Leading Payment

Gateway in Africa
Who

Are We?
Payaza is a sophisticated merchant-enabling application
crafted to facilitate seamless transactions for merchants
through mobile money and banking institutions. We offer
various payment methods, including card payments, USSD,
QR codes, virtual accounts, and mobile money, which are
suitable for online and offline merchants. These methods
facilitate easy integration on digital platforms or direct
transactions.

We prioritize rapid execution and efficiency to meet the

dynamic needs of the marketplace, striving to improve the
customer experience and set industry standards.
 Our

History
Payaza Africa Limited, founded in 2022 and based in Lagos, Nigeria, with
a secondary headquarters in the United States, emerged from a team of
visionaries aiming to establish the company as Africa's leading trusted
provider of payment solutions. This initiative facilitates smooth and
seamless transactions worldwide, underscoring our commitment to
excellence and innovation. With a significant presence across East and
West Africa, Payaza is strategically positioned to address the increasing
demand for modern, user-friendly payment platforms.

We are dedicated to enabling businesses of all sizes to process payments

securely and efficiently, thereby empowering them to thrive in the global
market

Mission
To be the most trusted African payment gateway
Vision
Empowering seamless secured transactions
across Africa through innovation, reliability,
prioritizing employee growth and
satisfaction.
Growth Tractions
Payaza has experienced significant growth by rapidly expanding
its global customer base, fueled by a commitment to customer
satisfaction and innovative payment solutions.
10,000+ $1.2million+
onboarded business Avg. transaction volume/month (6 months)

Launched in March 2022

2023

i nn ovat ion

$10M TPV, $1 Billion TPV

t isfa ct ion a n d
y c u stom e r sa
Dri ve n b

Payaza's global exp

ansion heralds significant
H1 2024

$7.5 Billion TPV

Certifications and Licenses
Licenses

PSSP License Finance house License

IMTO Nigeria
MSB US
50 states MSB Canada MTCN US
Washington DC
MSO Certified
Partner
PayFac certified
Partner

ISO Certifications in Nigeria

Our presence
Zimbabwe Namibia
United States

of America Cote d’ivoire

Tanzania

DRC
Canada United Kingdom
Liberia

Bahrain
Zambia Nigeria

Rwanda Ghana
Kenya Benin Republic
Uganda
Core Values
& Culture
Accountability Passion
Speed No limit We value transparency and We're passionate about what
We streamline processes, We think beyond the take our responsibility to we do, and we believe that our
optimizing workflows, and obvious and explore protect money and personal enthusiasm is contagious.

leveraging technology to uncharted territories.

information seriously by We strive to create innovative
accomplish tasks quickly We innovate, and always committing to the highest solutions that exceed our
and effectively. challenge the status quo. standards of security and customers' expectations.

privacy.

Unlocking the Payaza Promise: Our Value

Proposition
We understand that payments are a critical component of any business, and we are committed to making our merchants’ customers'
payment experience seamless and stress-free. Here's how we help our merchants unlock the Payaza promise:

When businesses Integrate with us, they empower their customers to pay however they want.

Mobile

Cards Transfers QR Code USSD

Money
We accept all major debit and credit Enhance payment versatility and Mobile money offers a payment Our QR code payment option allows We are continuously expanding our
cards, making it easy for our merchants' convenience for users by integrating facilitator a convenient and widely customers to make payments by simply payment channels, and soon, USSD will be
customers to make payments from seamless fund transfers between accessible option for reaching unbanked scanning a code. It's fast, secure, and available as an additional payment option.
anywhere, at any time. accounts, empowering efficient and underbanked populations. convenient.
This feature will make payments accessible
transactions within a unified platform, to everyone, regardless of their access to
the internet.
Our

people
Our success is not just the result of individual efforts but is deeply
rooted in the dedication and determination of our entire team. It is
this collective commitment that enables us to consistently serve
our clients with excellence. We recognize that our clients come
from diverse backgrounds with unique needs and preferences.

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Product Overview

Payouts

Payaza accounts
Bulk Payout Single Payout Sub accounts
(Local & International)

Collections Card acquiring Transfer Branches Mobile money Payment links

Treasury Services

End - End

Payment Gateway Checkouts APIs Web Checkout & SDK (Flutter, React Native, Java, IOS)

Payaza Boost

Stride by Payaza

Eventporte
Our Powerful Payment Features

User friendly dashboard Settlements

Our powerful

Collections & Payouts Reconciliation

payment solutions

Mobile SDKs APIs

Product Lineup: The Ultimate Payment
Solutions Suite
Our suite of products is designed to make payments as seamless and efficient as possible and is tailored to meet the needs of businesses of all
sizes, from small startups to large enterprises.

Payout (Local and International)

"Payout" is a powerful product designed to empower our merchants with the capability to efficiently transfer funds from their designated

account numbers to recipients. These transfers can be executed as individual transactions or in bulk, using a convenient CSV file. "Payout" is a

versatile tool that streamlines the process of disbursing funds to multiple recipients, saving time and effort.

Key features

Single and Bulk Transfer

Dashboard Acces

API Integratio

Sub Accounts (new feature)

Use Cases

Funds disbursemen

Payroll managemen

Remittance Service Provider

Lending Institution

Real Estate Companie

Event Management Platforms

Subaccounts
“Subaccounts”, in our payment processing system, are mini-wallets designed to empower businesses with flexible fund management
capabilities. These subaccounts act as virtual compartments within the main account, allowing merchants to segregate and manage funds
efficiently. These accounts would act as wallets and be tied to a merchant’s Payaza account.

Key features
Dashboard Acces
Fund Segregatio
Wallet Managemen
Transfers from subaccount
Real time balance monitorin
API Integration

Use Cases
E-Commerce platform
Financial Institution
Manufacturing companie
NGOs
Collections
Our payment collection products enable merchants to instantly receive payments from their customers (Locally and Internationally). Payaza’s collections
are the all-in-one solution that empowers businesses to effortlessly collect payments from customers worldwide. With our cutting-edge technology
supported by card acquiring, we've revolutionized the way businesses receive payments and elevated the platform to an international scale.
Branches
"Branches" is a specialized collection tool designed to empower our merchants, particularly those with multiple physical stores, with the
capability to create and manage multiple branches for streamlined fund collection. With "Branches", business owners can efficiently receive
payments and monitor collections from various locations through a centralized dashboard.

Key features
Multi-Branch Managemen
Dashboard Acces
Branch Member Invitation
Collections and Payments

Use Cases
Franchise Businesse
Retail Chain
Service Center
Restaurants and Cafe
Healthcare Facilities
Payment Links
With just a link, merchants can sell anywhere, anytime, and receive instant payments without any coding knowledge. Our Payment Links feature
allows merchants to easily create and customize payment pages and send them to their customers, who can pay with various payment options,
including cards and bank transfers. Plus, they can convert our Payment Links to QR Codes for seamless payments.

Here’s how it works

First, merchants create a link for their product or service, subscription, or
donation. They can add their logo and colors to match their unique brand style

Next, merchants can share the link anywhere - on their website, mobile app, social
media, and more. The same link can be shared with many customers and used
across multiple channels

Finally, they get paid! Use the Dashboard or email to be notified of successful
payments, and have the funds deposited directly into their bank account.
Web Checkout & SDK (Card, Transfer, & Mobile money)
Our Checkout tool gives merchants the tools and technology to receive payments easily and securely on their digital platforms. They can create
a beautiful checkout form that displays their brand and gives their customers a seamless experience on their app or website. With multiple
payment methods, recurring payment/card saving options, and smart suggestions of other payment methods in case of failed transactions, our
Checkout product keeps customers on the same page and enhances their experience.

Problem
The customers of Payaza merchants with internationally-issued cards cannot make
payments to them due to the absence of this infrastructure in Payaza.

Our Solution
Open up a new payment rail by integrating a Mastercard payment gateway to
accept internationally issued cards, with Providus Bank as the acquiring bank

Integration to Mastercard’s Dynamic Currency Conversion service that would allow

us to display real-time quotes to payers with international cards

3D secure authentication to verify payers who initiate transactions worth N100,000

and above from international cards.
Treasury Services
Venturing into foreign exchange markets can be a maze. Payaza's Treasury Services serve as a trusted guide, offering instant access to competitive
exchange rates. Businesses can tap into the potential of their cross-border transactions and effortlessly manage exchange rate risks.
 End-End Payment Gateway
With a fully integrated platform, you can reduce costs, grow revenue, and run your business more efficiently. We can help you manage your
revenue operations, launch (or invent) new business models, and handle all your payments-related needs through Payaza Africa.

Real-time transaction insights

Merchants can get a comprehensive view of their business's transaction volume and value across all outlets with just a glance at our
intuitive dashboard. Our dashboard provides a breakdown of payments made through various channels such as POS, OTC, and transfers.

Faster payment confirmation

With our User-friendly Dashboard, merchants can reduce customer wait times by getting instant notifications when a payment is
confirmed. No more delayed transactions or frustrated customers!

Efficient role management

Our Role Management System allows merchants to distribute payment alert notifications among their staff without losing control. This way,
everyone can stay informed and in charge, without getting overwhelmed by notifications.

Secure and easy to use

Our dashboard is designed with your security in mind, with features like two-factor authentication to keep the merchant's data safe. Plus,
it's easy to use and requires no technical expertise.
Payaza Boost
Payaza Boost is a financial service exclusively for registered businesses using Payaza's Branches and Payment Links. Its eligibility requires signing up for
Payaza, completing KYC, and consistent payment collections for three months.

Businesses can access up to 25% of their average monthly collections, providing quick short-term capital without traditional loan complexities.

Stride by Payaza
Stride by Payaza is a specialized platform designed to streamline the process of international tuition payments, with a focus on catering to the
needs of students from Africa studying abroad.

Benefits
Effortless Payment Proces
Fast and Secure Transaction
Currency Conversion Service
Competitive Rates and Transparent Fee
Comprehensive Customer Suppo
Integration with Educational Institutions
Eventporte
An innovative Ticketing Platform built on the Payaza infrastructure, a cutting-edge solution designed to empower event creators with the tools they
need to organize, promote, and sell event tickets effortlessly. With this product, event planners or creators can seamlessly create and customize event
listings, manage ticket sales with ease, and provide a seamless payment processing experience for both event creators and attendees.
Thank you