Real-time payment reconciliation for the Pacific.
Lali detects payments across Fiji's six commercial banks, Vodafone M-PAiSA, and Digicel MyCash — matches each to the correct biller record, and confirms to both sides in under 30 seconds.
API-first · NPS-integrated · Built for Fiji
The product
One API between every payment rail and your ledger.
Lali sits between acquirers, mobile money providers and your core banking system — turning fragmented files into a single, real-time source of truth.
Real-time matching
Stream transactions in via REST or webhook. Lali matches against settlement files the moment they land — sub-second on most rails.
Exception routing
Unmatched items go to typed queues with the right team, the right SLA, and a full audit trail. No more shared spreadsheets.
Built for regulators
RBF-aligned reporting, immutable audit logs, and SOC 2-ready controls — designed with Pacific compliance in mind.
Multi-currency, multi-rail
FJD, AUD, NZD, USD and XPF. Cards, bank transfer, and mobile money normalised into one canonical ledger.
Edge-deployed in the region
Hosted close to your operations so latency stays low — even when undersea cable conditions don't cooperate.
End-of-day in minutes
Replace overnight batch jobs with continuous reconciliation. Close books before staff log off, not after.
From payment detected to confirmed — in under 30 seconds.
Payment detected
Lali monitors all NPS-integrated payment channels — six banks, M-PAiSA, and MyCash — in real time.
Matched to biller
Each inbound payment is matched against the biller registry using reference data, amount, and channel metadata.
Both sides confirmed
A confirmation fires to both the biller and the payer's channel within 30 seconds. No manual reconciliation.
curl https://api.lali.fj/v1/transactions \
-H "Authorization: Bearer $LALI_KEY" \
-d '{
"rail": "mpaisa",
"currency": "FJD",
"amount": 1240.00,
"reference": "INV-48201",
"occurred_at": "2026-05-01T14:02:11+12:00"
}'Every major payment channel in Fiji — one API.
- ANZ Fiji
- BSP Fiji
- HFC Bank
- Bred Bank
- Westpac Fiji
- MyCash
- M-PAiSA
- Bred Bank Fiji
- Bank of Baroda
NPS-integrated · RBF-aligned · API-first
Who it's for
Built for banks, billers, and the businesses that move Pacific money.
For Commercial Banks
- Eliminate manual reconciliation queues
- Real-time confirmation to your core banking system
- Single API integration across all NPS channels
- Reduce exception rates and customer complaints
For Billers & Utilities
- Know the moment a payment lands — not end of day
- Match payments to the correct invoice automatically
- Reduce failed allocations to near zero
- Works across all Fiji payment channels from day one
For the Pacific
Designed where it runs — Suva, not Silicon Valley.
Pacific finance is its own discipline: cash-rich economies, high mobile money penetration, intermittent connectivity, and regulators with specific reporting needs. Lali is built around those realities, not adapted from a tool that ignores them.
- RBF and PFTAC reporting templates out of the box
- Offline-tolerant ingestion for branch operations
- Local FJD support engineers, business hours in FJT
- Data residency options in Fiji and Australia
“We closed our first day on Lali at 4:47pm. The previous month, the same close took until 11 the next morning.”
Ready to reconcile the Pacific?
Request API access or talk to the Lali team about a pilot programme.