Our vision
To be Africa’s most trusted technology partner, building the systems that move money, serve citizens and grow enterprises, designed and engineered in South Africa.
100% Black Owned
Product and services offering 2026
Engineering trusted technology for fintech, the private sector and every sphere of government.
Payments, procurement, digital platforms and data, designed and engineered in South Africa by the team behind some of the country’s most talked-about digital innovations.
Download the 2026 product offering (PDF)8service lines, one accountable partner
72hfrom brief to a working demo
7products launched to the public
POPIAprivacy and security by design
Who we are
Technology partners for the work that can’t fail.
TOS & Partners is a 100% Black-owned technology company based in Pretoria. We design, build and run the software organisations depend on: payment systems, procurement platforms, digital channels and the data behind them.
We also build products of our own and launch them to the public. Our work in digital document certification, disposable NFC cards and interbank payments has drawn wide public attention across social platforms. That discipline keeps our teams sharp, and it means the people on your project have already shipped under real-world pressure.
See the innovation portfolio →Mission & vision
Why we exist, and where we are going.
A 100% Black-owned South African company, building technology people can trust with their money, their data and their public services.
Our mission
To engineer secure, dependable technology that fintechs, businesses and every sphere of government can trust with their money, their data and the people they serve.
Fintech
Payment processing, digital wallets, reconciliation and fraud controls for payment providers and financial services.
Private sector
Procure-to-pay, digital platforms, custom software and data analytics for organisations that need systems they can rely on.
Government
Citizen services, transparent procurement, digital documents and secure data for national, provincial and local government.
What we do
Eight service lines, one accountable partner.
From first workshop to live support.
Procure to Pay
Automate the full cycle from purchase request to supplier payment. Approvals, supplier onboarding, invoice matching and payment release run in one controlled workflow, with a complete audit trail.
IncludesRequisition and approval workflows, supplier portals, three-way invoice matching, spend dashboards
Payment Processing
Fintech infrastructure for collecting, disbursing and reconciling money across cards, EFT, instant payments and digital wallets. Built for regulated environments where uptime and accuracy are non-negotiable.
IncludesGateway and bank integrations, bulk payouts, automated reconciliation, fraud and risk controls
Websites & Digital Platforms
Corporate websites, customer portals and e-commerce platforms designed, built and maintained for the private sector. Fast, accessible, and easy for your own team to keep current.
IncludesBrand-led web design, self-service portals, online stores and checkout, content management and hosting
Custom Software Development
Software shaped around how your organisation actually works. Web and mobile applications, internal tools, and integrations with the systems you already run.
IncludesWeb and mobile apps, API and ERP integration, legacy modernisation, discovery and prototyping
Data Analytics
Turn operational data into decisions. We connect your sources, clean and model the data, and deliver dashboards and reports that leadership uses every week.
IncludesData pipelines and warehousing, executive dashboards, automated reporting, forecasting
Cybersecurity Services
Protect your systems, data and people. We assess, harden and monitor your environment, aligned to POPIA and recognised security frameworks, so your organisation stays compliant and resilient.
IncludesVulnerability assessments and penetration testing, security architecture and hardening, identity and access management, monitoring and incident response, POPIA compliance reviews
Cloud Services
Plan, migrate and run your workloads in the cloud. We design secure, cost-aware environments on AWS, Microsoft Azure and Google Cloud, and keep them optimised long after go-live.
IncludesCloud strategy and migration, infrastructure as code, DevOps and CI/CD pipelines, backup and disaster recovery, cost optimisation and managed cloud operations
Managed Support & Governance
Contracted on-call support, help-desk services and formal governance after go-live. Clear service levels, regular reporting and a named team that knows your system.
IncludesService-level agreements, on-call incident response, help desk, change control, governance reporting
Innovation portfolio
Built by us. Tested by the public.
Every product in our portfolio was conceived, designed and engineered in-house. These are the innovations South Africans talked about most.
Documents and identity
Digital Document Certification
Takes the certification of important documents online, replacing queues and paper stamps with a secure digital process.
Payments
Disposable NFC Card
A disposable contactless card designed for controlled, low-risk spending that limits exposure when a card is lost or compromised.
Payments
Airtime, Cash & Interbank Transfers
Converts airtime to cash and back, and moves cash-send funds to accounts at other South African banks.
Latest project · Education
Forma
One workspace for South African students, with a document editor, a spreadsheet tool and assignment briefs from school.
Watch the walkthrough →
Latest project · Documents
Folio
Converts files to and from PDF, cleans up scans, makes scanned text searchable and emails finished files to verified addresses.
Watch the film →How we deliver
A clear path from idea to live system.
1
Discover
Workshops with your stakeholders to define the problem, the users and what success looks like.
2
Design
Service design, architecture and clickable prototypes you can test before production code.
3
Build
Agile delivery in short sprints, with working software demonstrated at every sprint review.
4
Deploy
Security testing, data migration, user training and a controlled go-live.
5
Support
On-call support, help desk and governance reporting under an agreed service level.
Why organisations choose TOS & Partners
Proven in public
Our products are launched to the public and judged in the open. The team on your project has already shipped under real pressure.
Built for South Africa
We design for local banks, payment rails, mobile networks and data costs, and for how South Africans actually transact.
Secure by design
Privacy and security are part of the architecture from day one, designed around the Protection of Personal Information Act (POPIA).
One accountable partner
Strategy, design, engineering and long-term support from a single team, so nothing is lost in hand-offs.
Let’s talk about your project.
Request a working demo in 72 hours, or book a discovery session with our team. We will map your requirements, recommend the right approach and return a clear, costed proposal.
Download our 2026 product offering (PDF)