Accept everywhere
Omni-channel Acquiring
In-store, online, eCommerce, PED and SoftPOS - one acquiring capability across every channel and integrated payment experience.
Whether a customer taps a card in-store, scans a QR at the till or checks out online, every transaction lands in one reconciled view - no channel-specific silos, no separate reporting to stitch together.
What you get
- In-store, online and eCommerce acceptance
- PED and SoftPOS on any device
- Card, QR, mobile money, USSD and cash
- One reconciled view across every channel
- Consistent checkout across every touchpoint
Accept anything
Acceptance Breadth
Accept every method your customers use - bank accounts, cards, wallets, the full QR set, loyalty, gift cards, cryptocurrency and cash - merchant- or consumer-presented, online and offline.
Bank accounts via EFT (manual and instant), PayShap push and direct-debit pull; digital wallets including Apple, Google and Samsung Pay; a full QR set - Universal QR, EMVCo, mVisa, MasterPass, GhQR, Zapper, SnapScan and AliPay (static, dynamic and offline-dynamic); loyalty and split payments; gift cards (discretionary and ring-fenced); cryptocurrency via QR; and cash management (change, float and deposit slips).
What you get
- Bank accounts - EFT, PayShap push, direct-debit pull
- Cards and digital wallets (Apple, Google, Samsung Pay)
- Full QR set - Universal QR, EMVCo, mVisa, GhQR, Zapper, SnapScan, AliPay
- Static, dynamic and offline-dynamic QR
- Loyalty, split payments and gift cards
- Cryptocurrency via QR and cash management
Everyday money
Digital Wallets
Issue and operate digital wallets your customers actually use - top up, send, pay and redeem across every rail.
Launch a branded wallet in weeks and give customers a place to hold value, move money and redeem rewards - all reconciled with your acquiring business.
What you get
- Wallets across cards, mobile money and bank rails
- P2P transfers and payments
- Top-up, send, pay and withdraw
- Loyalty and rewards redemption
- Fully white-labeled under your brand
Scan to pay
QR Payments
Interoperable QR acceptance and generation for merchants and consumers, reconciled in real time.
Generate merchant-presented QR at the terminal or accept consumer-presented scans - interoperable across schemes and settled in real time, on any device with no extra hardware.
What you get
- Merchant- and consumer-presented QR
- Interoperable across schemes
- Instant settlement visibility
- Works on any device, no hardware
- Reconciled alongside every other rail
Wallet rails
Mobile Money
Direct integrations into the mobile money wallets your customers already use - MTN, Airtel, M-Pesa and more.
Plug directly into mobile money for both collections and payouts, with country-specific rails and reconciliation handled automatically - one integration, every provider.
What you get
- Direct wallet integrations
- Collections and disbursements
- Real-time reconciliation
- Country-specific rails supported
- One integration, every provider
One control plane
Payment Orchestration
Orchestrate every rail, carrier and API from a single control plane - balancing load and handling failover automatically.
The Orchestrator balances load across every connected carrier, rail and API, and fails over automatically when a route degrades - giving operations one control plane for the whole estate.
What you get
- One integration, every rail
- Dynamic load balancing
- Automatic failover
- Centralised settlement
- Full audit trail from issuing to acquiring
Every transaction finds a path
Payment Routing
Intelligent routing across connected rails, re-queuing to the next available path when a route degrades.
Every transaction is routed on success-rate and cost, and automatically re-queued to the next path when a route fails - so customers see completions, not declines.
What you get
- Least-cost and success-rate routing
- Automatic re-queue on failure
- Configurable routing rules
- Consistent settlement regardless of route
- Full audit trail
Fully reconciled
Settlement & Reconciliation
Automated multi-channel reconciliation across every rail, with real-time settlement dashboards - no manual matching, no end-of-day surprises.
Reconciliation runs continuously across cards, mobile money and bank rails, with real-time dashboards and automated exception handling, so finance teams close the books in real time.
What you get
- Automated multi-channel reconciliation
- Real-time settlement dashboards
- Exception handling and dispute flagging
- Full transaction lifecycle visibility
- Scheduled and on-demand settlement
Live faster
Merchant Onboarding & KYC/KYB
Digital, API-ready merchant onboarding with KYC/KYB verification and activation tracked against live SLAs.
Merchants self-onboard with built-in KYC/KYB and document checks, link to their device via QR + OTP, and every activation is tracked against live SLAs so operations teams stay ahead of the queue.
What you get
- Digital, API-ready registration and verification
- Built-in KYC / KYB and document checks
- Merchant-to-device linking via QR + OTP
- Activation tracked to live SLAs
- Bulk and API-driven onboarding
- Role-based approvals
Secure by default
Tokenisation
Replace sensitive card data with tokens to reduce scope and protect every transaction.
Sensitive card data is replaced with tokens at capture, cutting PCI scope and protecting recurring, card-on-file and cross-channel payments.
What you get
- Network and platform tokenisation
- Reduced PCI scope
- Secure recurring and card-on-file
- Cross-channel token reuse
- Vaulting and lifecycle management
Issue on demand
Virtual Cards
Issue virtual and physical cards programmatically for consumers and businesses.
Spin up virtual cards instantly via API with spend controls and limits, or issue physical cards - for consumers, businesses and disbursements alike.
What you get
- On-demand virtual card issuing
- Physical card issuing
- Controls and spend limits
- Card-on-file and recurring
- Instant issuance via API
Reward & retain
Loyalty
Rewards, vouchers and loyalty redeemed in real time at the point of payment.
Points, rewards, vouchers and discounts are applied and redeemed right at the point of payment, and reconciled with every sale.
What you get
- Points, rewards and vouchers
- Redemption at the till and in-app
- Discounts applied at checkout
- Reconciled with every sale
- Campaign and tier management
Share the value
Split Payments
Split a single transaction across multiple parties automatically at settlement - for marketplaces and platforms.
Divide a single payment across multiple beneficiaries automatically at settlement - built for marketplaces, platforms and franchise networks, reconciled per party.
What you get
- Automated multi-party splits
- Marketplace and platform ready
- Reconciled per beneficiary
- Configurable split rules
- Franchise receivables auto-deducted
Collect anything
Bill Payments
Utility, government and service bill collection from any terminal or app.
Collect utility, government and service bills from any terminal or app, with real-time confirmation, automatic settlement and a centrally-managed biller catalogue.
What you get
- Utilities, government and services
- Any terminal or channel
- Real-time confirmation
- Reconciled and settled automatically
- Biller catalogue managed centrally
New revenue
VAS Vending
100+ value-added services ready to switch on - airtime, data, prepaid, cash-out and remittance - from the same device.
Switch on 100+ value-added services through an open plug-in architecture and turn every terminal into a new revenue line, activated commercially in days.
What you get
- Airtime, data and prepaid
- Cash-out and remittance
- Bill payment and vouchers
- Open plug-in architecture
- Rapid commercial activation
No signal. No problem.
Offline Payments
Terminals keep securely accepting payments during connectivity interruptions, syncing and reconciling automatically when connectivity returns.
When connectivity drops, terminals keep accepting payments into a cryptographically secure queue, then sync and reconcile automatically on reconnection - with risk-bounded limits per merchant tier.
What you get
- Applies to any terminal - peel, stick, test
- Cryptographically secure offline queue
- Automatic sync and reconciliation
- Risk-bounded offline limits per tier
- Card-present rails to minimise cost
Know your estate
Reporting & Analytics
Real-time operational visibility and reporting across your entire estate.
Real-time dashboards and exportable reports give operators and merchants a single, live view of sales, settlement and disputes across the estate - with scheduled statements and a custom report builder.
What you get
- Real-time dashboards
- Estate-wide reporting
- Exportable and API-accessible
- Scheduled statements
- Custom report builder
Build on us
Open APIs
API-first access to every capability - documented, versioned and ready to integrate.
Every capability is exposed through documented, versioned REST APIs and webhooks, with a sandbox for every endpoint and SDKs - build and go live in weeks.
What you get
- REST APIs and webhooks
- Versioned and documented
- Sandbox for every endpoint
- SDKs and integration guides
- Usage-based, scalable
Across corridors
Cross-Border & FX
Multi-currency FX and remittance across major African corridors, with hold-and-retry instead of hard failure.
In live African corridors where competing switches fail up to 40% of transactions, Omni-Channel Switch holds, re-routes and completes - with FX conversion at the point of routing and settlement in local currency.
What you get
- Multi-currency FX at the point of routing
- Remittance corridors across Africa
- Hold-and-retry instead of hard failure
- Real-time FX rate management
- Settlement in local currency
Data-driven credit
Lending
Merchant and SME lending built on the transaction intelligence flowing through the platform.
The transaction intelligence flowing through the platform becomes underwriting data - extend embedded credit to merchants and SMEs, repaid automatically from settlement.
What you get
- Transaction-data-driven scoring
- Embedded lending offers in the portal
- Automated repayment via settlement
- SME and merchant credit
- Risk-based limits
Authenticate once
Identity & Access Management (SSO)
A full identity and access layer - Keycloak-based single sign-on so merchants, customers and employees authenticate once, with MFA, federated identity and granular role management.
Because it is built on open-source Keycloak, you retain ownership of all authentication data - even if you later migrate. Federated across LDAP, Azure AD, OAuth 2.0, SAML and OpenID Connect, with identity brokering and social login.
What you get
- Single sign-on across merchant, customer and employee
- MFA - OTP, biometric and smart-card
- Federated: LDAP, Azure AD, OAuth 2.0, SAML, OpenID Connect
- Granular role and permission management
- Session management and user auditing
- You own the authentication data
Operational maturity
Support, SLA & Ticketing
End-to-end self-service ticketing built on Jira, with a full SLA framework and automated alerting - the operational backbone enterprise buyers expect.
Priority 0-3 service codes, automated job-failure alerting to NOC, Slack and on-call engineers, partner webhook integration for SLA and job-failure events, helpdesk integration and admin impersonation for fast merchant support.
What you get
- Self-service ticketing on Jira
- SLA framework with Priority 0-3 service codes
- Automated job-failure alerting (NOC, Slack, on-call)
- Partner webhooks for SLA and job-failure events
- Admin impersonation for fast support
- Plugs into Salesforce, ServiceNow and more
Engineering-led
Observability & Monitoring
A serious observability stack - real-time dashboards, centralised logging, distributed tracing and SIEM - so the platform is monitored end to end.
Azure Monitor, Prometheus with Alertmanager, SEQ centralised logging, OpenTelemetry tracing and Microsoft Azure Sentinel (SIEM), with alerting to Slack and Teams.
What you get
- Azure Monitor and real-time dashboards
- Prometheus + Alertmanager
- SEQ centralised logging
- OpenTelemetry distributed tracing
- Azure Sentinel (SIEM)
- Alerting to Slack and Teams
Every touchpoint
Channels
Reach customers on every channel - from feature-phone USSD to online, eCommerce plugins, and proximity- and camera-based payments.
Feature-phone USSD with static and dynamic menus; online via hosted page, embedded or self-designed components; eCommerce plugins for Shopify, WooCommerce and BoxCommerce; proximity and location-based payments; and camera-based payments - such as auto-deduct at a fuel forecourt.
What you get
- Feature-phone USSD - static and dynamic menus
- Online - hosted page, embedded or self-designed
- eCommerce plugins - Shopify, WooCommerce, BoxCommerce
- Proximity and location-based payments
- Camera-based payments (e.g. forecourt auto-deduct)
- PED, SoftPOS and in-app
Settle your way
Settlement Models
Choose how and when funds settle - Instant, On-Demand, Next-Day or nominated-day, and On-Delivery - with customised settlement profiles and prioritisation rules.
Instant settlement; On-Demand (batch-on-request); Next-Day or nominated-day; and On-Delivery (pre-auth/hold until delivery is confirmed). Customised settlement profiles, prioritisation rules, closed-loop/on-us processing, and a single settlement across multiple channels.
What you get
- Instant settlement
- On-Demand - batch on request
- Next-Day or nominated-day
- On-Delivery - pre-auth/hold until confirmed
- Customised profiles and prioritisation rules
- Single settlement across every channel
Data stays home
On-Soil Hosting & Data Residency
In-country data residency with the flexibility to deploy on private cloud, public cloud or on-premise - so transaction data can remain in-market while only aggregate metadata travels up.
Deploy on Microsoft Azure, AWS, on-premise or local providers to meet each market’s exchange-control and regulatory requirements. On-soil hosting keeps sensitive data in-country; only aggregate metadata crosses borders for a group-wide view.
What you get
- In-country data residency
- Private cloud, public cloud (Azure/AWS) or on-premise
- Local providers for country compliance
- Transaction data stays in-market; metadata travels up
- Meets exchange-control and regulatory requirements
Reach everyone
Financial Inclusion Acceptance
Reach customers with no smartphone and traders with no terminal - USSD on a feature phone, a printed QR lanyard, and SoftPOS on any Android device.
Feature-phone USSD brings payments to the unbanked without an app; printed static QR lanyards let the smallest traders accept scan-to-pay with zero hardware; and SoftPOS turns any NFC Android phone into an acceptance device for merchants who cannot take a terminal.
What you get
- Feature-phone USSD - no smartphone required
- Printed QR lanyards for the smallest traders
- SoftPOS on any NFC Android device
- No terminal, no hardware cost to accept
- Reach the unbanked and cash-first customers
The moat
Sector-Tailored Merchant Intelligence
Merchant intelligence configured to how each sector actually trades - so the data means something to a restaurant, a fuel forecourt or a retailer, not just a generic sales total.
A restaurant sees tips, table turnover and spend per head; a forecourt sees pump-level reconciliation and shrinkage; a retailer sees basket mix and peak-hour throughput. Payments are a commodity - owning the merchant’s sector-specific workflows and data is the moat.
What you get
- Sector-specific dashboards and KPIs
- Restaurants - tips, table turnover, spend per head
- Forecourts - pump-level reconciliation and shrinkage
- Retail - basket mix and peak-hour throughput
- Turns raw transactions into decisions merchants act on