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AfriPay Business

AfriPay Business is not just a bill payment provider

AfriPay Business is a gateway aggregation and embedded financial infrastructure platform. We help businesses offer financial services to their users by connecting them to the right payment, wallet, utility, FX, and settlement capabilities through one structured platform.

Whether you are launching a fintech product, expanding an existing wallet, adding cross-border payment capabilities, or offering utility services to your customers, AfriPay Business provides the infrastructure and commercial structure to support your growth.

Who We Serve

Build financial services faster

AfriPay Business supports operators across the financial ecosystem with infrastructure built for scale, control, and product expansion.

01

Accept Payments

Collect funds through supported payment and account-based channels.

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Collect funds through supported payment and account-based channels.

02

Move Money

Support payouts, settlements, and business transaction flows.

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Support payouts, settlements, and business transaction flows.

03

Offer Utilities

Enable airtime, data, electricity, cable TV, and other bill payment services.

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Enable airtime, data, electricity, cable TV, and other bill payment services.

04

Power Wallets

Support balances, funding, debits, transaction history, and user wallets.

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Support balances, funding, debits, transaction history, and user wallets.

05

Enable Cross-Border Flows

Support FX, foreign currency collections, and local settlement models.

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Support FX, foreign currency collections, and local settlement models.

06

Integrate Through APIs

Connect your platform to AfriPay Business through secure APIs and webhooks.

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Connect your platform to AfriPay Business through secure APIs and webhooks.

Core capabilities

Our Core Capabilities

Collections

Accept payments from customers, businesses, or partners through supported collection channels.

Payouts

Move funds to approved recipients, wallets, accounts, or settlement destinations based on your business model.

Wallets

Support stored value, balances, funding, debits, transaction history, and wallet-based user experiences.

Virtual Accounts

Enable account-based collections and automated payment matching for your users or merchants.

Bill Payments

Offer airtime, data, electricity, cable TV, and other utility services inside your platform.

FX and Multi-Currency Flows

Support currency conversion and cross-border transaction flows where applicable.

Reporting and Reconciliation

Track transactions, settlements, commissions, provider responses, and operational records.

Developer APIs

Connect AfriPay Business into your application, dashboard, website, or backend system.

Why AfriPay Business

One partner. Multiple financial capabilities.

Reduce multiple provider integrations

Launch faster with API-ready infrastructure

Access payment, utility, FX, and settlement rails

Structure commercials around your actual use case

Scale from one product module to multiple services

Commercials Section

Commercials built around your business model

AfriPay Business pricing depends on the services you need, your transaction types, integration requirements, and expected volume.

How our commercial model works

1

Product Scope Assessment

We identify the specific financial services your business needs to offer, tailoring our approach to your unique requirements.

Bill Payments Wallets Virtual Accounts FX Services Cross-border White-label
2

Integration & Infrastructure Setup

We configure the necessary technical infrastructure and integrations based on your business complexity and scale requirements.

API Access Sandbox Environment Webhooks Custom Workflows Dashboard Compliance
3

Transaction-Based Pricing Model

Pricing is customized according to your transaction volume, types, and business model to ensure cost-effectiveness and scalability.

Per-Transaction FX Margins Volume Pricing Enterprise Rates Settlement Fees Commissions
4

Ongoing Support & Optimization

We provide comprehensive support from onboarding through go-live and beyond, ensuring your success with continuous optimization.

Onboarding Technical Support Go-live Coordination Performance Monitoring Reconciliation 24/7 Support
Commercial Models

Choose the right AfriPay Business model for your growth stage

Select the perfect partnership approach that aligns with your business needs and technical capabilities

Most Popular

API Access Model

Perfect for businesses with existing products or technical teams looking to integrate AfriPay Business APIs and activate specific financial service modules.

Best for

  • Existing fintech platforms
  • Wallet applications
  • Digital marketplaces
  • Bill payment platforms

Includes

API Access Sandbox Support Pricing
Request API Commercials
Recommended

Embedded Finance Model

Ideal for businesses wanting to offer multiple financial services within their platform without managing complex provider integrations.

Best for

  • Growing startups
  • Expanding platforms
  • Fintech innovators
  • Cross-border services

Includes

Multi-service FX Support Wallets Custom
Speak With Sales
Enterprise

White-Label Platform Model

Comprehensive solution for businesses launching branded financial services with full AfriPay support for implementation and operations.

Best for

  • New fintech ventures
  • Branded products
  • Full-service needs
  • Strategic partnerships

Includes

Full Support White-label Onboarding Custom
Request a Proposal

Not sure which model fits your needs?

Our experts will help you choose the perfect partnership approach for your business goals.

Get Personalized Consultation

Not every business needs the same AfriPay Business setup

Some businesses only need one service, while others need a complete financial infrastructure layer. AfriPay Business is best suited for companies that want more than a single standalone bill payment integration.

If your business wants to build, expand, or power a fintech platform with multiple financial service possibilities, AfriPay Business gives you the infrastructure and commercial flexibility to do it properly.

Built for technical teams

Integrate collections, wallets, utilities, payouts, FX, and transaction updates through secure APIs and webhooks.

Developer capabilities

  1. Sandbox access for testing
  2. API keys for secure integration
  3. Webhooks for transaction updates
  4. Transaction status tracking
  5. Payment and payout workflows
  6. Wallet and account operations
  7. Reconciliation endpoints
  8. Technical onboarding support
Explore Developers

Your team can test core workflows before going live, validate transaction scenarios, and configure the services required for your business model.

Compliance and Security

Compliance-conscious financial infrastructure

Financial services require more than APIs. AfriPay Business supports structured onboarding, business verification, transaction visibility, and operational controls that help businesses manage financial service delivery responsibly.

Key areas

Business Onboarding

We review your business, use case, product scope, and transaction model before activation.

Customer Verification Support

Where required, AfriPay Business can support KYC, KYB, and enhanced due diligence workflows.

Secure API Access

API keys, authentication, controlled access, and webhook-based updates help your team manage transactions securely.

Transaction Monitoring

Track transaction status, failed transactions, pending transactions, and reconciliation issues.

Operational Control

Support controlled access, secure APIs, transaction records, and operational visibility.

How AfriPay Business works

Step 1: Share your business use case

Step 2: We review your product and commercial requirements

Step 3: Receive a tailored commercial proposal

Step 4: Complete onboarding and compliance review

Step 5: Integrate through sandbox and APIs

Step 6: Test and go live

Use Cases

Common implementation patterns across AfriPay Business clients

Deploy services independently or combine capabilities to support full embedded finance journeys.

Collections + Virtual Accounts

Automate account-based collections and reconciliation for merchants, users, or institutional clients.

Wallet + Bill Payments

Enable funding, balances, and utility payments inside consumer or business-facing platforms.

Cross-Border + FX

Support inbound/outbound transaction flows with conversion and local settlement handling.

Show more use cases

Marketplace Split Flows

Collect from customers, route disbursements to vendors, and track platform-level commissions.

Remittance-like Journeys

Create sender-to-recipient flows with controlled payout and transaction monitoring capabilities.

Embedded Finance Extensions

Add financial features to existing non-fintech products without rebuilding the rails layer.

Request Commercials Form

Ready to power your fintech platform?

Tell us what you want to build. We will review your use case and recommend the right AfriPay Business setup.

Start your commercial review
Request Commercials
Schedule with our business team
Book a Business Call

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