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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

Built for businesses building financial products

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

01

Fintech Startups

Launch faster with access to payment infrastructure, wallet capabilities, collections, payouts, and...

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Launch faster with access to payment infrastructure, wallet capabilities, collections, payouts, and bill payment services without managing multiple provider integrations.

02

Remittance Platforms

Support cross-border collections, FX conversion, local settlement, and payout workflows through AfriPay's...

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Support cross-border collections, FX conversion, local settlement, and payout workflows through AfriPay's business infrastructure.

03

Digital Banks and Microfinance Platforms

Extend your financial service offerings with virtual accounts, customer wallets, transaction flows,...

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Extend your financial service offerings with virtual accounts, customer wallets, transaction flows, bill payment services, and API-driven account operations.

04

Bill Payment and Utility Platforms

Offer airtime, data, electricity, TV, and other utility services to your customers...

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Offer airtime, data, electricity, TV, and other utility services to your customers with settlement, commission, and transaction reporting support.

05

Marketplaces and Aggregators

Collect payments, manage payouts, reconcile transactions, and support multi-party financial flows for...

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Collect payments, manage payouts, reconcile transactions, and support multi-party financial flows for vendors, agents, merchants, or end users.

06

Businesses Expanding Into Fintech

Add financial services to your existing product without becoming buried in provider...

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Add financial services to your existing product without becoming buried in provider management, integration overhead, and operational complexity.

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 Businesses Choose AfriPay Business

We help you launch financial services without rebuilding the infrastructure yourself

AfriPay Business gives B2B teams the infrastructure, provider access, and operational model required to launch quickly and scale sustainably.

One Integration, Multiple Capabilities

Instead of managing separate integrations for bill payments, payouts, FX, virtual accounts, and collections, AfriPay Business gives you access to multiple capabilities through one structured platform.

Commercially Flexible

Our commercials are designed around your actual product scope, transaction categories, projected volume, and required infrastructure. You only structure your commercial engagement around the services your business needs.

Built for B2B and Embedded Finance

AfriPay Business is designed for companies that want to serve their own customers, not just businesses looking for a basic payment button.

Faster Go-Live

We support discovery, scoping, sandbox access, API integration, testing, and go-live readiness so your team can move from idea to market faster.

Provider Access Without Provider Complexity

AfriPay helps abstract multiple provider relationships, technical requirements, and operational dependencies so your business can focus on product growth.

Scalable Infrastructure

Start with one product category and expand into more services as your customer base, transaction volume, and business model grow.

Commercials Section

Commercials built around your product scope

AfriPay Business commercials are structured to reflect the services your business wants to activate, the infrastructure required, and the expected transaction volume.

We do not force every business into a one-size-fits-all pricing model. Instead, we assess your use case and provide a commercial structure based on your selected product modules, integration requirements, provider dependencies, and settlement model.

How our commercial model works

1. Product Scope

We first identify the financial services your business wants to offer.

This may include:

  • Bill payments
  • Wallets
  • Virtual accounts
  • Cross-border collections
  • FX conversion
  • Local payouts
  • Gateway access
  • White-label fintech services
  • API-based service vending

2. Integration and Infrastructure Requirement

We assess the level of integration your business requires.

This may include:

  • Sandbox access
  • API keys
  • Webhook configuration
  • Custom workflows
  • White-label implementation
  • Dashboard access
  • Settlement reporting
  • Reconciliation support
  • Compliance and onboarding review

3. Transaction and Usage Model

Your pricing is then shaped around the transaction types your business will process.

This may include:

  • Per-transaction charges
  • FX margins
  • Payout fees
  • Utility vending commissions
  • Provider pass-through fees
  • Settlement charges
  • Volume-based pricing
  • Custom enterprise rates

4. Support and Go-Live Model

For businesses that require deeper support, AfriPay can provide onboarding, integration guidance, technical support, and go-live coordination.

Commercial Models

Choose the right AfriPay Business model for your growth stage

API Access Model

For businesses with an existing product or technical team that want to connect to AfriPay Business APIs and activate specific financial service modules.

Best for:

  • Existing fintech platforms
  • Wallet apps
  • Marketplaces
  • Bill payment platforms
  • Digital financial products

Includes:

  • API access
  • Sandbox environment
  • Developer support
  • Product module activation
  • Transaction-based pricing
  • Reconciliation support
Request API Commercials

Embedded Finance Model

For businesses that want to offer multiple financial services inside their own platform without directly managing several provider integrations.

Best for:

  • Startups launching fintech features
  • Platforms expanding into financial services
  • Businesses adding wallets, payments, or bill services
  • Remittance or cross-border platforms

Includes:

  • Product scoping
  • Multi-service infrastructure
  • Wallet and payment workflows
  • FX and settlement support
  • Utility services
  • Provider access coordination
  • Custom commercial proposal
Speak With Sales

White-Label or Managed Platform Model

For businesses that want AfriPay to support a broader fintech launch, including branded financial service flows, multi-product setup, and deeper implementation support.

Best for:

  • New fintech ventures
  • Businesses launching a branded finance product
  • Companies entering payments, remittance, or utility services
  • Organizations that need business and technical guidance

Includes:

  • Product configuration
  • Integration support
  • Commercial advisory
  • White-label service structure
  • Technical onboarding
  • Go-live support
  • Custom pricing based on scope
Request a Proposal

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

AfriPay Business is API-first, making it easier for your developers to integrate financial services directly into your platform.

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
Request Sandbox Access

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-focused infrastructure for financial service businesses

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 model, product scope, transaction flows, and required service categories before activation.

Customer Verification Support

Where required, AfriPay Business can support KYC, KYB, and enhanced due diligence workflows depending on the product and regulatory requirement.

Secure API Access

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

Transaction Monitoring

Track transaction status, identify failed or pending transactions, and support reconciliation across different payment flows.

Operational Control

Support settlement tracking, provider performance review, transaction reporting, and issue resolution.

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 review the right commercial model for your business?

Tell us what you want to build, the services you need, your expected transaction volume, and your preferred go-live timeline. Our team will review your requirements and recommend the most suitable AfriPay Business commercial structure.

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

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