Device Financing & PayGo Locking

Phone Locking Mechanism

Remote device locking for financed assets — smartphones, PayGo solar, motor bikes, deep freezers and more. Lock and unlock via API with no physical access needed. Automatic unlock on payment completion.

125K+ devices secured < 50ms API response 99.9% uptime SLA
Product

Core Features

Remote Device Lock

Instantly lock any enrolled device via secure API. No physical access or user interaction required.

Real-time Secure
Automatic Unlock

Payment confirmation triggers immediate unlock. Configurable grace periods and retry logic built-in.

Automated Configurable
Tamper Detection

Detects root/jailbreak, SIM removal, factory reset attempts. Triggers alerts and enforces policies.

Monitoring Alerts
State Synchronization

Bidirectional sync with device. Offline queue with automatic reconciliation when connectivity restores.

Offline-first Reliable
Portfolio

Asset Management

ZiraLock's remote lock/unlock extends beyond smartphones to any financed asset. Protect collateral, enforce pay-as-you-go terms, and auto-unlock on repayment — across your entire portfolio.

Phones & Smartphones

Remote screen lock via API. Emergency-calls-only overlay. Unlocks automatically on repayment.

Pay-As-You-Go
PayGo Solar

Lock the inverter/controller until top-up is paid. Power restores automatically on payment.

Energy Access
Motor Bikes

Immobilize financed motorcycles on default. Reactivate on repayment to protect fleet collateral.

Fleet Collateral
Deep Freezers

Lock compressor/power for cold-chain asset financing. Pay-per-use unlocking by schedule.

Cold Chain
Solar Cookers

Pay-as-you-go cooking units. Remote enable/disable based on payment status.

Clean Cooking
Process

How It Works

1
Enroll Device

Register device IMEI, associate with customer account and payment plan via API or dashboard.

2
Activate Lock

Device receives lock command. Screen overlay activates, restricting access to emergency calls only.

3
Collect Payments

Automated STK Push or manual collection. Each payment updates device status in real-time.

4
Auto Unlock

Final payment triggers instant unlock. Device returns to full functionality without user action.

5
Monitor & Manage

Real-time dashboard shows lock status, payment history, device health across entire portfolio.

6
Reporting

Export compliance reports, audit trails, and portfolio analytics for partners and regulators.

Impact

Platform Statistics

15K+
Devices Secured
99.5%
Uptime SLA
350K
Transactions Processed
< 100ms
API Response Time
Integration

API Capabilities

Device Management
  • Enroll / Update / Remove devices
  • Lock / Unlock / Status query
  • Bulk operations (batch API)
  • Device tagging & grouping
  • IMEI-based lookup
Payment Integration
  • M-PESA STK Push callbacks
  • Payment status webhooks
  • Repayment schedule management
  • Grace period configuration
  • Refund & adjustment handling
Monitoring & Analytics
  • Real-time lock state tracking
  • Payment collection dashboards
  • Overdue & default reporting
  • Agent performance metrics
  • Export to CSV / PDF
Access Control
  • Role-based permissions
  • Organisation isolation
  • Branch & agent hierarchies
  • Audit logging
  • API key management
Get Started

Ready to Secure Your Device Portfolio?

Join partners using ZiraLock to protect 125,000+ financed smartphones across East Africa.

Get Started