Transit authorities and municipalities process high volumes of small payments — fares, rates, levies, and permits — against an obligation to account for every cent to auditors, councillors, and the public. LedgerFlow handles the volume, enforces the controls, and produces the audit trail.
Public sector finance operates at an intersection that is uniquely difficult: very high transaction volumes, very small individual amounts, very high accountability requirements, and very limited IT budgets. LedgerFlow was built to live in that space.
Transit & Municipal Pain Points
High-volume, low-value fare processing
Tens of thousands of tap-in/tap-out events daily. Each one a debit. Most systems batch these overnight and reconcile the next day. Discrepancies surface weeks after the ride.
Multi-fund accounting complexity
Capital reserves, operating funds, grant receipts, and ring-fenced service levies must be kept separate. Co-mingling of funds is a MFMA violation. Manual fund allocation is error-prone.
Audit qualifications on cash handling
AG reports frequently cite weaknesses in cash collection, revenue recognition, and reconciliation of tariff revenue. Controls exist on paper but not in the system.
Customer account management at scale
Hundreds of thousands of ratepayer accounts. Statement generation, prepaid balance tracking, arrears management, and indigent subsidies — all requiring reliable double-entry balances.
How LedgerFlow Addresses Them
466 TPS — handles fare bursts
Tested at 466.9 average TPS with 11ms core latency. Rush-hour tap storms processed in real time. No overnight batch required. Balances always current.
Hierarchical fund accounting
Account tree supports capital/operating/reserve fund separation. Automatic recursive balance aggregation ensures no commingling. Fund balances available in real time.
AG-ready audit trail
Trigger-based audit on every table change. Actor identity, IP address, and full before/after JSON for every posting. Auditor-General access without application credentials.
Scalable ratepayer accounts
Each customer maps to a multi-currency account with real-time balance, velocity limits, and KYC status. Statements generated on demand. Arrears and credits tracked automatically.
Built for Public Sector Scale
The Financial Platform That Survives an AG Examination
PayShap Real-Time Payments
South Africa's PayShap instant payment network integrated for fare top-ups and rate payments. Funds reflected immediately, no T+1 lag, no float management required.
Automated Bank Reconciliation
Configurable CSV templates for any bank's statement format. Multi-account matching with tolerance rules. Exception report drives action rather than spreadsheet trawling.
Rule-Based Revenue Allocation
Rate payments split automatically across operating, capital, and ring-fenced accounts based on configurable rules. No manual journal entries. Allocation audit trail included.
Dual-Auth for Expenditure
Section 78 MFMA-aligned maker-checker on all payment runs. No payment executes without a second authorised official. Approval trail captures names, roles, and timestamps.
Real-Time Revenue Dashboards
Grafana dashboards show live fare revenue, rate collection rates, arrears ageing, and fund balances. CFO and treasury reporting available without analyst intervention.
On-Premises Deployment
17-service Docker Compose runs in any data centre or private cloud. No residency concerns, no SaaS vendor holding public finance data. Fully owned and controlled by the municipality.
Build a clean audit. Every year.
See how LedgerFlow handles your transaction volumes. Free 30-day trial.