Rivo reads mobile money SMS alerts from your agents' phones and shows you every transaction, float balance, and alert in one live view. No manual entry. No spreadsheets. No chasing people for balances.
No credit card required · Cancel anytime · Works on all major Zambian mobile money networks
If you manage mobile money agents, you already know the problem is not transactions. The problem is trust, reconciliation, and not knowing your true balance until it is too late.
You call agents every evening to ask for their balances
The numbers do not always match what you expect
You suspect small leakages but cannot prove it
You waste evenings reconciling transactions manually
One delayed top-up can cost you sales for the whole day
No hardware. No complicated integrations. If your agents receive mobile money SMS, you can start today.
Log in once and the phone is linked to that agent. No manual transaction entry is needed. Download the app ↓
They keep using Airtel Money, MTN MoMo, or Zamtel the same way they always do. Rivo reads the SMS alerts in the background.
Transactions, balances, and alerts appear within seconds so you always know what is happening — without calling anyone.
Your agents install this app on their phones. It reads mobile money SMS in the background and sends the data to your dashboard — automatically.
Free to install. Works on any Android phone running Android 7.0 or higher. No data plan required for most networks.
Android may flag the APK because it was not installed from the Play Store. This is expected while we wait for Play Store approval. Here is how to bypass it safely:
🔒 Re-enable Play Protect after installation. Rivo does not transmit any data other than mobile money SMS to your own dashboard.
Need help installing? WhatsApp us and we will walk your agent through it.
Rivo helps you monitor agents, catch issues early, and make faster decisions without waiting for end-of-day reports.
See new deposits, withdrawals, and transfers within seconds of the SMS being received.
Get notified the moment an agent's float drops too low so you can top up before business slows down.
See balance patterns over time so you can predict busy days and prepare better.
Download your transaction records anytime for reconciliation, reporting, or sharing with your accountant.
If an SMS cannot be auto-read, it goes to a review queue so nothing important is missed.
Manage Airtel Money, MTN MoMo, and Zamtel agents from one place.
If there is no signal, transactions queue safely on the phone and sync automatically when connectivity returns. Nothing is ever lost.
Whether you manage two agents or fifty, Rivo gives you live visibility without standing over anyone.
See every transaction your booth agent processes — live. Know your real float without calling anyone.
Manage agents across multiple locations from one place. Get alerts before a booth runs dry.
Give your cashier a company SIM and see every transaction they process without standing over them.
Track disbursements and collections across field agents in real time — no Excel required.
Reconcile mobile money payments from retailers automatically and catch shortfalls before they escalate.
Airtel Money, MTN MoMo, and Zamtel Kwacha — all supported in one place. Rivo detects the network from each SMS automatically.
All plans include a 14-day free trial. No credit card required to start.
One small daily leakage can cost more than Rivo.
All plans billed monthly via Airtel Money, MTN MoMo, or bank transfer. · Need more than 10 agents? Contact us
Rivo is built for the way business is actually done here — across booths, networks, and busy trading days.
Before Rivo I had to call each agent every evening to get their balances. Now I check on my phone and I am done in 30 seconds. I can finally see what is actually happening.
The float alerts are a lifesaver. My agent in Chelston ran out of float on a Friday once — never again. I get notified and top up before business slows down.
I have 4 agents across Ndola and Kabwe. Rivo is the first tool that actually works with Zambian mobile money — not some foreign app adapted badly for here.
See every transaction your agents process, catch float issues early, and run your mobile money business with more control.
No credit card required · Cancel anytime · Works on all major Zambian mobile money networks