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Enterprise Payment Gateway for Ethiopia

Accept every Ethiopian payment rail through one secure API, on a gateway platform your bank, payment operator or business runs and brands.
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Enterprise Payment Gateway for Ethiopia

Overview
Benefits
Case Study
FAQ

Payment Gateway Software and Integration in Ethiopia

360Ground’s Enterprise Payment Gateway is payment gateway software that Ethiopian banks, payment operators, government portals and enterprises deploy to accept and reconcile payments through one API. It connects websites, portals, apps and ERPs to the rails you are authorised to use, such as telebirr, CBE Birr, M-Pesa, bank transfers, EthSwitch and cards, and posts every payment to your ledger. We built it on real delivery: telebirr fee payments on the National Business Portal for MInT, investment payments on the Ethiopian Securities Exchange’s crowd-investment platform, and centralised reconciliation for Dashen Bank’s Amole POS, which has processed over 100 billion ETB.
Enterprise Payment Gateway for Ethiopia – overview

Top Organizations Trust 360Ground

Awash Bank logo
zemen bank Web Design & Development
Amole logo
Ethiopian Securities Exchange
Mastercard Foundation logo
Ethiopian Capital Market Authority logo

Our Offerings

Unified Payments API

  • One API and SDKs for every payment rail you use
  • Checkout, status checks, refunds and webhooks

telebirr Integration

  • telebirr checkout, merchant and mini-app flows
  • As used for fees on the National Business Portal

CBE Birr & M-Pesa Connectors

  • Wallet payments through each provider's API
  • Push-to-pay and payment request flows

Bank Transfer & EthSwitch Rails

  • Account-to-account transfers and card payments
  • Interbank routing via your bank's EthSwitch link

Licensed Aggregator Connectors

  • Connect the licensed payment aggregators you use
  • Add or switch providers without re-coding apps

Checkout & Payment Links

  • Hosted checkout for websites, apps and e-services
  • Invoices, payment links and QR codes

Automatic ERP Reconciliation

  • Matches every payment to its invoice or order
  • Posts to Odoo, ERPNext and Dynamics 365

White-Label Gateway Platform

  • Deploy and brand the gateway as your own
  • For banks and licensed payment operators

Security, Fraud & Audit

  • Encryption, role-based access and audit trails
  • Fraud rules, limits and transaction monitoring

Why 360Ground ?

Tell us which payment rails, systems and volumes you need. We will map the integration and send a fixed-scope plan and quote.
  • telebirr fee payments live on the National Business Portal
  • Payments built into ESX's crowd-investment platform
  • Amole POS reconciliation: 100+ billion ETB processed
  • Odoo and Microsoft Dynamics 365 implementation partner
  • Software for licensed banks and payment operators
  • $1B+ annual transactions on platforms we built

Case Studies

Every project is a journey, and we measure success by the results our clients achieve. From MVPs that disrupt industries to enterprise solutions that scale globally, these stories show how we transform ideas into market-leading solutions.

Boosting Commerce with Ethiopia’s National Business Portal

Client

View Project

Revolutionizing Retail with Dashen Bank’s Amole Mobile POS

Client

Amole logo
View Project

Meda The Ethiopian Super App for Chat, Banking, and Commerce

Client

View Project

Questions? Answers.

1. What payment methods are available in Ethiopia?

Most digital payments in Ethiopia run over mobile money wallets such as telebirr, CBE Birr and M-Pesa, bank mobile and internet banking, interbank transfers through EthSwitch, cards on POS terminals, and payment aggregators licensed by the National Bank of Ethiopia. Cash is still common, so many organisations also need cash reconciliation. Our Enterprise Payment Gateway lets you offer several of these methods at one checkout and see every payment in one report.
An enterprise payment gateway sits between your systems and the payment rails. Your website, portal, app or ERP calls one API; the gateway routes each payment to the right wallet, bank or card network, confirms the result and records it for reconciliation. Unlike a single-provider checkout, it lets you add or change payment providers without rebuilding every application, and it gives finance one view of all collections across channels and branches.
You need a telebirr merchant account and API credentials from Ethio telecom, then a server-side integration that creates the order, sends the customer to pay, verifies the signed callback and records the result. With our gateway your developers call one API, and we handle the telebirr connection, callbacks, retries and reconciliation. We integrated telebirr fee payments for the National Business Portal, so we know the onboarding and testing steps.
It depends on your role. Operating a payment system or issuing payment instruments needs a National Bank of Ethiopia licence under the National Payment System Proclamation No. 718/2011, as amended by Proclamation No. 1282/2023. A business collecting its own payments normally works through licensed banks and payment operators. 360Ground provides the gateway software: licensed banks and operators run it under their own licence, and enterprises use it to connect to licensed providers.
Direct integration usually means lower fees and a direct relationship with each wallet provider, but you repeat the onboarding and development for every rail. An aggregator gives several payment methods through one contract, typically at a higher fee and with less control over settlement. Our gateway lets you combine both behind one API: connect directly where volume justifies it and use an aggregator for the rest, then change the mix later without rebuilding your apps.
Cost depends on how many payment rails you need, whether the gateway runs on your own servers or a cloud environment you choose, how many systems it must connect (website, app, portal, ERP, core banking), and your reconciliation and reporting needs. Transaction fees are set by each bank, wallet or aggregator and are separate from our fee. After a short scoping call we send a fixed-scope quote in birr, split into setup and ongoing support.
Yes. Each confirmed payment is matched to its invoice, order or customer reference and posted to your ledger, so finance no longer reconciles bank statements by hand. 360Ground is an Odoo official implementation partner and a Microsoft Dynamics 365 implementation partner, and we also implement ERPNext, so ERP posting is a standard part of our gateway projects. Other ERPs and core systems connect through their APIs, and unmatched payments go to an exception queue.
Yes. Banks and licensed payment operators can deploy the Enterprise Payment Gateway as a white-label platform, with their brand on checkout pages and merchant portals, their settlement accounts, and their own licence and risk policies. We provide the software, merchant onboarding and admin tools, integration with their core banking and switch connections, and ongoing support. It comes from the team that engineered Dashen Bank’s Amole POS ecosystem and its centralised reconciliation.

Talk to a Payments Engineer

Tell us which payment rails, systems and volumes you need. We will map the integration and send a fixed-scope plan and quote.
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Top Ethiopian software company portfolio – 360Ground