Cloud Modernisation & Payment Optimization of Kolekto on AWS
Kolekto
About Kolekto
Kolekto is a digital group payment platform that helps individuals and small teams collect contributions, payments, and participant details — from class dues to fundraising drives — serving churches, associations, families, student groups, and community organisations across Nigeria.
Industry
Financial Services
Location
Nigeria
Use Cases
Financial Services, Migration, Security, DevOps
Overview
Transnet Cloud partnered with Kolekto to modernize its group payment collection platform on AWS, strengthening security, scalability, and real-time payment tracking for communities and organisations running high-demand collection campaigns across Nigeria.
The Challenge
As demand grew across campuses, communities, and local organizations, Kolekto needed to reduce downtime during high-demand campaigns — such as church service hours and community meeting dates — protect its payment collection portal from automated bot attacks and scraping, simplify data aggregation and analytics, and remain cost-effective as scale increased.
Proposed Solution & Architecture
Transnet Cloud designed a secure, scalable AWS architecture purpose-built for high-demand payment collection campaigns.
Compute, Frontend & Modernization
Amazon EC2
Backend API distributed across two Availability Zones in a custom VPC
AWS Amplify
Managed frontend hosting with global CDN, automatic SSL, and CI/CD deployment
Serverless Roadmap
Ongoing evaluation of serverless components for cost optimization
Security & Payment Protection
AWS WAF
Managed rules for SQLi/XSS/bot detection plus custom rate-limiting on payment endpoints
AWS Secrets Manager
Automatic rotation for all payment API credentials
AWS KMS
Customer-managed encryption at rest across RDS and S3, TLS enforced in transit
Database, Monitoring & Availability
Amazon RDS (Multi-AZ)
Managed relational database with automated failover and point-in-time recovery
Amazon CloudWatch
Application, database, and WAF monitoring with SNS-routed alarms
Amazon Route 53
Health-checked DNS routing with automatic failover
Amazon S3
Payment receipts, collection records, and application backups
Outcomes & Success Metrics
Measurable results protecting community fundraising campaigns across Nigeria.
Zero successful bot submissions to active collection campaigns since deploying WAF with custom rate-limiting
Frontend deployment time reduced from hours to under 5 minutes with Amplify CI/CD
Continuous RDS Multi-AZ availability with zero collection campaigns disrupted by database failures
TCO Analysis
Transnet Cloud modelled cost across compute, database, frontend hosting, WAF, secrets management, encryption, monitoring, and storage.
$2,017.88
Estimated Monthly AWS Cost
$24,214.56
AWS Annual Recurring Revenue
Lessons Learned
Simple IP-based rate limiting was too aggressive — Nigerian mobile users commonly share carrier NAT IP addresses.
Combining IP-based rate limiting with session token validation lets legitimate contributors through even when their IP is flagged.
This WAF pattern is now reused across all future deployments for Nigerian consumer payment platforms.
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