One platform.
Every payment.
Fully reconciled.
Modern payment infrastructure for banks, telcos, fintechs and enterprises - connecting every payment rail, every channel and every customer journey through a single, API-first platform.
Modernise payment infrastructure and accelerate innovation without replacing the systems you already trust.
Real. Live. In production.
Live and in production across multiple African markets.
One platform
One platform. Every device.
From switching and acquiring to consumer apps, fraud and risk, infrastructure and AI - the whole payments stack on one reconciled platform, on every device.
The platform
Modular by design. Built around you. All in one stack.
We provide the platform, technology and expertise. Deploy only the capabilities you need today, with the flexibility to scale and evolve as your business grows.
Omni-Channel Switch
Connect every payment rail through a single, enterprise-grade platform with intelligent routing, orchestration and real-time processing across cards, accounts, mobile money and QR.
Learn more →Merchant Solutions
Everything merchants need to onboard, accept payments, manage operations and reconcile transactions through a unified merchant experience.
Learn more →Consumer Solutions
Create seamless digital payment experiences with wallets, QR, virtual cards, bill pay, loyalty and value-added services - all from one platform.
Learn more →Fraud & Risk
Detect threats, reduce fraud and strengthen compliance with intelligent risk management, authentication and real-time decisioning.
Learn more →Infrastructure
Enterprise-grade infrastructure providing observability, administration, security, monitoring and operational resilience for mission-critical payment systems.
Learn more →AI & Intelligence
Turn payment data into smarter decisions with AI-powered insights, automation, analytics and operational intelligence.
Learn more →The complete vertical
Most providers own one layer. VantagePay is the whole stack.
Core infrastructure, switching, gateway, merchant, consumer and agent - one platform, end to end, instead of a patchwork of single-layer vendors.
Omni-channel universal acceptance
One system. Every payment.
Capabilities
Every function, on one platform.
Omni-channel Acquiring
In-store, online, PED and SoftPOS - one reconciled view across every channel.
Payment Orchestration
One control plane balancing load and failing over across every rail and API.
Settlement & Reconciliation
Automated multi-channel reconciliation with real-time settlement dashboards.
Digital Wallets
Branded wallets to hold value, move money and redeem rewards across rails.
QR Payments
Interoperable merchant- and consumer-presented QR, reconciled in real time.
Merchant Onboarding & KYC
Digital, API-ready onboarding with KYC/KYB and activation tracked to live SLAs.
Identity & SSO
Keycloak-based SSO, MFA and federated identity - you own the auth data.
Observability & Monitoring
Dashboards, centralised logging, tracing and SIEM across the whole platform.
Cross-Border & FX
Multi-currency FX and remittance with hold-and-retry across African corridors.
Illustrative sector solutions
Built for how each sector actually operates.
Merchant acquiring for banks
Payments are a commodity. Merchant intelligence is the moat.
The institutions winning in African payments own the merchant's daily workflows, data and revenue - not just the transaction. VantagePay turns your terminal estate into a merchant intelligence platform.
- Real-time data on every merchant, regardless of device OEM
- Automated multi-channel reconciliation
- Self-service onboarding, statements and dispute resolution
- Cross-sell and VAS activation from a single pane of glass
Payments for telcos
Turn your mobile money base into a full payments business.
Extend beyond airtime and wallets. VantagePay adds card acquiring, merchant payments and VAS to your mobile money rails - monetising the subscriber base you already own.
- Wallet, card and bank rails from one integration
- Agent and merchant onboarding at scale
- Real-time settlement across every channel
- Bill pay, airtime and a VAS marketplace built in
Infrastructure for fintechs
Launch faster on rails you don't have to build.
Go to market in weeks, not years. VantagePay gives fintechs API-first access to acquiring, issuing, wallets and orchestration - fully certified and ready to scale.
- API-first access to every payment rail
- Card issuing and virtual cards on demand
- Built-in KYC, fraud and compliance tooling
- Usage-based pricing that scales with you
Payments for corporates & enterprise
One reconciled view across every store and channel.
From flagship stores to eCommerce checkout, VantagePay unifies acceptance, settlement and reporting - so finance teams close the books in real time, not weeks.
- In-store, online and app payments unified
- Automated multi-store reconciliation
- Real-time treasury and settlement visibility
- Loyalty, gift cards and VAS at the till
Payments for government
Collect and disburse public funds with full transparency.
Modernise revenue collection and social disbursements on secure, auditable infrastructure - reaching citizens through cards, wallets, USSD and cash-in networks.
- Multi-channel revenue collection
- Auditable, real-time settlement and reporting
- Bulk disbursements to wallets and accounts
- Financial inclusion via USSD and agent networks
Infrastructure for payment service providers
Switching and acquiring built for high-volume processing.
Payment service providers run on VantagePay’s switching, acquiring, gateway and QR rails - certified, multi-tenant and built to scale.
- Multi-tenant switching and acquiring
- Gateway and QR at high volume
- Certified, resilient processing
- White-label merchant tooling
Innovation without disruption
Modernise without replacing.
Your core banking platform isn't the problem - the complexity around it is. VantagePay's orchestration layer sits above your existing core. Zero core changes. Live in weeks, not years.
Ecosystem
Integrated with the rails, schemes and devices that matter.
Connected to the payment schemes, mobile-money networks, terminals and business tools your customers already use - real, connected and in production.
Industries
Built for your sector.
Each vertical has distinct payment workflows, compliance requirements and commerce patterns. One platform, configured to your sector.
Banks
Digital transformation without replacing the core - acquiring, channels, issuing and fraud.
Learn more →Telcos
Unlock mobile money - acquiring, QR, virtual cards and value-added services.
Learn more →Fintechs
Enterprise-grade rails without building it yourself. Launch faster, scale smarter.
Learn more →Corporates
Accept payments in-store, online and in-app through a single platform.
Learn more →Government
Secure, scalable collections, disbursements and citizen services.
Learn more →Payment Service Providers
Switching, acquiring, gateway and QR for high-volume processing.
Learn more →Security & compliance
Right today, better tomorrow.
Our certifications and security practices increase partner confidence as our products evolve to become safer, more reliable and of outstanding quality.
- PCI DSS v4.0.1 - Level 1 Service Provider: Certified
- ISO 27001:2022 - Information security: Certified
- ISO 22301:2019 - Business Continuity Management Systems: Certified
- ISO 9001:2015 - Quality management systems: Compliant
- ISO 31000:2018 - Risk management guidelines: Aligned
- ISO 27005:2022 - Guidance on managing information security risks: Aligned
Built by operators
Payments veterans who have built and licensed at scale.
VantagePay is led by a team that has run mobile networks, held e-money licences across dozens of markets, and built payment businesses acquired by global players.