Verico Pay & Fintech · Financial Technology
The payment platform built for African commerce.
Acceptance, settlement and merchant infrastructure engineered for the volume, speed and regulatory complexity of operating across multiple African markets. Used by the Verico Group as our internal payment rail, and offered to banks, merchants and operators as commercial infrastructure.
How we are different
Built by an operator, for operators.
Most payment platforms in Africa were built by software companies that imagined what merchants need. Verico Pay was built by an operator running ride-hailing, lending and commerce businesses that need payments to actually work. We tested our own platform against our own transaction volume before we offered it to anyone else. The things other payment companies treat as edge cases — reversed fares, delivery disputes, driver payouts, multi-leg settlement — are core flows in Verico Pay.
4
Products. One platform.
What we do
Four products. One payment platform.
01
POSaaS — POS-as-a-Service
A single device that accepts payments across multiple banks, card schemes and mobile-money operators. Merchants pay a low monthly subscription and earn a share of merchant-discount revenue, replacing the cluttered one-terminal-per-bank reality of African retail.
02
Payment gateway
Online and in-app payment acceptance for digital merchants. Built to handle the payment-mix realities of African e-commerce: cards, wallets, mobile money, bank transfers and instant EFT, all under one integration.
03
Infrastructure-as-a-Service
API-level access to payments, KYC, fraud scoring, BIN sponsorship and switching, for banks and fintechs that need to ship new products faster than their legacy infrastructure allows.
04
Treasury and settlement
Multi-currency settlement, automated reconciliation and working-capital management for merchants — the back-office work that turns transaction processing into a fully managed payments service.
The Group Operating System
A payment platform serving the Group — and the wider market.
Verico Pay has two customers from day one: the Verico Group itself, and the broader regional market. That dual-use architecture is a feature, not an accident. Pay carries real volume from On Demand fares, Credit disbursements and Mobility battery-swap subscriptions, and the platform is tested by an unforgiving operator-customer before it is sold externally.
Verico Mobility — battery-swap and charging
Mobility's Battery-as-a-Service subscriptions, charging-network fees and aftermarket revenue all collect through Verico Pay. Drivers pay one consolidated bill into their Pay wallet, with money routed to the right Mobility cost centre automatically.
Verico On Demand — the largest internal customer
Every ride fare, delivery payment and digital-goods purchase on Verico On Demand runs through Verico Pay. That relationship provides the base load that makes Pay viable at scale, and proves the platform against the most demanding consumer workload in the Group.
Verico Credit — closes the lending loop
Credit disburses loans into customer wallets on Verico Pay and collects repayments through the same platform. The reconciliation, default tracking and credit-scoring data flow back into Credit's underwriting models. With Pay, Credit moves at the speed of the platform.
Verico Intelligence — builds and secures Pay
Intelligence provides the core technology platform Pay runs on, the fraud-detection AI that protects every transaction, and the analytics layer merchants use to understand their own businesses. Pay is the rail; Intelligence makes the rail intelligent.
The result: a payment platform with the volume of an operator-scale fintech, the discipline of a regulated financial institution, and the ambition to serve far more than the Group that built it.
Engage
Use Verico Pay.
Banks, merchants, e-commerce operators, fintechs and other platforms looking for a payment partner that has already proven itself at scale — our team will scope an integration with you.