MTN MoMo + Orange Money,
as a native payment method.
B2B payments up to 500K FCFA, customer collections, 44 employee sub-wallets, automatic reconciliation. The only tool that treats MoMo like a bank account — not a personal wallet.
2 corporate wallets · 44 sub-wallets · real-time reconciliation
Built for B2B, not P2P.
4 capabilities absent from personal MoMo wallets — exclusive to FRiQ.
3-layer architecture
Corporate Wallet (1) → Employee sub-wallets (44) → payment methods (dedicated card/SIM). Clear accounting separation.
Auto reconciliation
Every MoMo transaction matched in real time with its journal entries. No statement to paste manually into Sage.
BEAC anti-fraud
Max tx limits 1M FCFA, supplier 500K, daily limit 5M. Recipient whitelist, anti-self-payment, 10-year OHADA audit trail.
SAGA payments
Resilience4j circuit breaker, exponential retry, automatic compensation if MoMo is down. 99.6% MTN + 98.9% Orange SLA preserved.
5 automated MoMo flows
From bank funding to the final SYSCOHADA journal entry.
Bank → Corporate Wallet
Corporate → Employee/Supplier
Customer → Corporate Wallet
Corporate → Supplier (> 500K)
Sub-wallet → Merchant
Activate Mobile Money in 48h.
Express MTN + Orange KYB · Integrated API onboarding · no queue at the branch.