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.
Four products. One payment platform.
POSaaS — POS-as-a-Service
A single device that accepts payments across multiple banks, multiple card schemes and multiple mobile-money operators. Merchants pay a low monthly subscription and earn a share of merchant-discount revenue. Designed to replace the cluttered one-terminal-per-bank reality that defines African retail today.
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, instant EFT, all under one integration.
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.
Treasury and settlement
Multi-currency settlement, automated reconciliation, working-capital management for merchants — the back-office work that turns transaction processing into a fully managed payments service.
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. That changes how the platform is designed: the things that other payment companies treat as edge cases — reversed fares, delivery disputes, driver payouts, multi-leg settlement — are core flows in Verico Pay.
Volume that proves the platform works.
A payment platform serving the Group — and the wider market.
Verico Pay is unusual among African payment companies in that it 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. It means Pay carries real volume on day one, and it means the platform is tested by an unforgiving operator-customer before it is sold to anyone external.
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, every delivery payment, every digital-goods purchase on Verico On Demand runs through Verico Pay. That single relationship provides the base load that makes Pay viable at scale, and gives external Pay customers confidence that the platform is battle-tested 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. Without Pay, Credit would be slower and more expensive; 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.
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.