Standards
Built on standards, not shortcuts.
Money only moves well when everyone speaks the same language. These are the 7 standards and practices the platform is built to — from how a payment message is shaped to how a short-code menu answers.
Payments and messaging
The formats money already travels in, so Sente connects to existing rails instead of replacing them.
- ISO 20022The global financial-messaging standard.
- Bank and settlement messages are read in ISO 20022 for three-way reconciliation.
- ISO 8583The card-authorisation message standard.
- Card authorisation, capture and refund are modelled on ISO 8583.
- PAPSSThe Pan-African Payment and Settlement System.
- Cross-border transfers are designed to settle through PAPSS in local currencies.
- VISAGlobal card-scheme rules.
- Card payments online and in store, settled next to mobile money and bank transfers.
- ISO 4217Currency codes and minor units.
- Every amount is a whole number of minor units with its currency. No floating point, no silent conversion.
- ISO 3166 & E.164Country codes and international phone numbers.
- Markets, residency and phone-number payments use the same identifiers everywhere.
- USSD (3GPP)Menus on any GSM phone, no data needed.
- Short-code menus are built to answer within 100 ms, from session state held in memory.
Listing a standard means the platform is designed and built to it. It is not a claim of certification or of a licence: those are granted per market, and we publish them as they are issued.