Payments. Education. Africa.
We build payment infrastructure African businesses need and teach people how to grow their money — right inside the app.
What We Build
Everything your business needs to accept and manage money
Payment Infrastructure
One API for mobile money, cards, and bank transfers. Stop juggling five providers — accept every payment method from day one.
Digital Wallet
A mobile-first wallet for everyday Africans. P2P transfers, bill payments, and QR merchant payments — no bank account needed.
AI Fraud Detection
Real-time fraud monitoring on every transaction. Pattern recognition and automated alerts keep your business protected 24/7.
Financial Education
Investing lessons and budgeting tools embedded directly into the app. Users learn how to grow their money while they transact.
Built for every industry
From e-commerce checkout to government disbursements — our payment infrastructure adapts to your sector.
E-Commerce
Checkout flows that accept MTN, Airtel, cards, and bank transfers from day one.
Fintech & Banking
White-label payment rails, virtual accounts, and real-time settlement for digital banks.
Retail & POS
In-person payment terminals, QR code payments, and instant merchant settlement.
Remittance
Cross-border payout APIs, multi-currency wallets, and FX conversion at scale.
SaaS & Platforms
Platform payment orchestration, marketplace splits, recurring billing, and payouts.
Government & NGO
Disbursement APIs, bulk payout automation, and transparent fund tracking.
Our Products
Innovative FinTech solutions designed for Africa
Payment Gateway
Secure and seamless online transaction processing for businesses of all sizes
- Multi-currency support
- Real-time processing
- Advanced security
- API integration
Digital Wallet Platform
Comprehensive digital wallet solution with automated reconciliation tools
- P2P transfers
- Bill payments
- Merchant integration
- Analytics dashboard
AI Fraud Detection
Machine learning-powered fraud detection and transaction monitoring system
- Real-time monitoring
- Risk scoring
- Pattern recognition
- Custom alerts
Trusted by businesses across Africa
See why companies choose our platform to power their payments.
Before Gemmy Pay, we maintained separate integrations for MTN MoMo, Airtel Money, cards, and bank transfers. Now it's one API. Our checkout conversion went up 23% in the first month.
Jean-Pierre Kagame
CTO, KigaliMart
The financial education module transformed how our users interact with money. People aren't just transacting — they're learning to save and invest. That's powerful.
Amina Sylla
Product Lead, YenePay
We needed a payment partner that understood African markets. Gemmy Pay's mobile money coverage and AI fraud detection made them the obvious choice.
Chidi Okonkwo
CEO, LagosTech
Transparent pricing, no surprises
Start free, scale as you grow. No hidden fees, no long-term contracts.
Starter
Perfect for testing and small-scale deployment.
- Sandbox environment
- Up to 500 transactions/mo
- Mobile money & cards
- Email support
- Basic dashboard
Growth
For growing businesses with volume needs.
- Everything in Starter
- Unlimited transactions
- Bank transfers included
- Priority support
- API analytics
- Dedicated account manager
Enterprise
Tailored solutions for large-scale operations.
- Everything in Growth
- Custom SLA
- On-premise option
- 24/7 dedicated support
- White-label ready
- Volume discounts
Trusted Partners
Backed by industry leaders
Frequently asked questions
Everything you need to know about our platform.
Latest news & insights
Thoughts on payments, financial education, and building for Africa.
Why Every Business Needs a Payment API in 2026
If your business is not using a payment API, you are leaving money on the table. Here is why modern payment infrastructure is no longer optional for African businesses.
The Rise of Fintech in Africa: A Story of Resilience and Innovation
From M-Pesa's $295 billion in transactions to Flutterwave's 1 billion payments processed — African fintech is rewriting the rules of financial services.
Understanding Blockchain and Its Role in Africa's Financial Future
Beyond the hype and the crypto volatility — blockchain technology has real use cases for African financial infrastructure.
Let's build together
Ready to simplify payments for your business? Fill out the form and our team will get back to you within 24 hours.
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