Turn your
subscriber base
into a payments business.
Extend beyond airtime and wallets. Add card acquiring, merchant payments and value-added services to the mobile money rails you already run - monetising the subscriber base you already own.
One platform across every channel, fully reconciled.
The opportunity
Mobile money got you the base. Now monetise it.
You already move billions in airtime and wallet transactions. VantagePay adds merchant acquiring, card rails and value-added services on top - turning frequent, low-margin usage into deeper, higher-value revenue.
- Move beyond airtime and wallet top-ups
- Grow ARPU across the subscriber base
- One reconciled view across every channel
- Keep the customer relationship you own
Merchant acquiring
Add full acquiring to your rails.
Give the merchants in your network a real acquiring stack - SuperPOS on any device, card, QR, USSD and wallet acceptance, all settling into the same platform your mobile money already runs on.
- SuperPOS on any device, no hardware swaps
- Card, QR, USSD and wallet acceptance
- 20+ payment options from one interface
- Merchant portal and self-service
Onboard at scale
Agents and merchants, live in minutes.
Onboard agents and merchants across the network with self-service KYC and activation tracked against live SLAs - so distribution scales as fast as your subscriber base.
- Self-service agent and merchant onboarding
- Built-in KYC and document checks
- Activation tracked to live SLAs
- Bulk and API-driven onboarding
Value-added services
A VAS marketplace, ready to switch on.
Airtime, data, bill payment, vouchers and more - 100+ value-added services through an open plug-in architecture, sold across your channels and reconciled automatically.
- Airtime, data and prepaid
- Utility and government bill payment
- Vouchers, gift cards and remittance
- Open plug-in architecture
Consumer super-app
A super-app for your subscribers.
Give subscribers a branded consumer app and wallet - payments, transfers, bill pay, QR, virtual cards and spending insights - reconciled with the acquiring business behind it.
- White-label app and wallet under your brand
- Payments, transfers, bill pay and QR
- Virtual cards and spending insights
- Reach bank-only and unbanked users
Settlement & reporting
One reconciled view across every channel.
Automated multi-channel reconciliation across wallet, card and bank rails, with real-time settlement dashboards - no manual matching, no end-of-day surprises across the network.
- Automated reconciliation across every rail
- Real-time settlement dashboards
- Exception handling and dispute flagging
- Estate-wide reporting
Always-on reach
Payments everywhere your network reaches.
From dense cities to low-connectivity regions, terminals keep accepting payments offline and sync automatically on reconnection - and USSD extends reach to every feature phone.
- Offline payment acceptance on any terminal
- USSD reach to every feature phone
- Automatic sync and reconciliation
- Financial inclusion across the network
Oversight
One command centre for a fragmented estate.
Telcos run on disparate, siloed systems. The Control Centre gives you a single pane of glass across mobile money, acquiring, VAS and agents - with drill-down, reporting and SLA tracking over the whole ecosystem.
- Single view across disparate systems
- Drill-down: network → agent → merchant → transaction
- Live SLA and device-health monitoring
- Consolidated regulatory reporting
Security & compliance
Bank-grade security and compliance, built in.
KYC, fraud scoring, compliance controls and a full audit trail ship as standard - PCI DSS Level 1 and ISO 27001 - so your payments ecosystem meets regulator expectations without bolting on third-party tooling.
- Real-time fraud detection and scoring
- Built-in KYC and digital onboarding
- Compliance controls and regulatory reporting
- PCI DSS Level 1 and ISO 27001
Intelligence
Turn subscriber data into smarter decisions.
AI-powered insights, churn and anomaly detection and real-time analytics across the network - understand behaviour, spot upsell and optimise performance across your whole subscriber and merchant base.
- Predictive subscriber and merchant insights
- Churn and anomaly detection
- Real-time analytics across the network
- Actionable recommendations
Remittance
Remittance and cross-border, on your rails.
Move money across borders and corridors with multi-currency FX at the point of routing and hold-and-retry instead of hard failure - adding remittance revenue on the mobile money rails you already run.
- Multi-currency FX at the point of routing
- Remittance corridors across Africa
- Hold-and-retry instead of hard failure
- Settlement in local currency
Speed to market
Deploy in weeks, not years.
VantagePay's orchestration layer sits above your existing mobile money and billing systems - no big-bang programme, no multi-year freeze. Launch lean and expand progressively.
- Orchestration layer above your existing systems
- No big-bang programme or multi-year transformation
- Zero core changes - your systems stay as-is
- Production-grade from day one