Raiz Finance
One Integration, Multiple Markets, Money Moves Where Your Business Needs It

Financial infrastructure for business across Africa.

Say bye to payment complexity in Africa. Connect once and give your businesses access to local African payment rails and global financial infrastructure through one platform and one API.

Talk to our teamExplore our solutions

Built for businesses moving money across borders

Providus BankPalmPayWeChatAliPayCopartIAAIProvidus BankPalmPayWeChatAliPayCopartIAAI

One integration. Multiple markets.Money moves where your business needs it.

See how it works

$20M+

Processed through Raiz

30+

Payment methods supported

Local + global rails

Banks, PSPs, mobile money & global networks

1

Infrastructure for collecting, paying, converting & settling

Why Raiz

Africa is growing. Its financial infrastructure is still fragmented.

Doing business across African markets often means stitching together:

  • local banks
  • payment processors
  • FX providers
  • payout partners
  • international settlement rails
  • manual reconciliation
Raiz as one integrated platform across local banks, processors, FX providers, payout partners, settlement rails, and reconciliation
Solutions

One infrastructure layer for money movement.

Explore all solutions

Accept payments across Africa like a local.

Unlock new and extended access to Africa with dynamic FX conversion, seamless cross-border transaction, support for instant payment and multiple payment methods. Let customers pay through supported bank transfers, mobile money, cards, virtual accounts, and other local payment methods. Collect in local currency while managing reconciliation and settlement through Raiz.

Explore Payins
One API. Multiple Financial Rails.

Your business should not depend on one bank, PSP, or FX provider to keep operating.

Raiz is being built as an orchestration layer across multiple underlying financial partners and payment rails.

One integration. Multiple rails underneath.

You integrate with Raiz. We manage the complexity underneath.

Explore our API

Local payments in. Global value out.

Your customers and partners should be able to transact using the currencies and payment methods they already use.

Your business should be able to settle where it needs to operate.

Collect Locally

Accept supported local currencies and payment methods.

Market stall representing local payment collection

Supported intake

NGN · GHS · KES · ZAR · XOF · XAF · + more

Raiz Finance
Collect.
Reconcile.
Convert.
Route.

Settle Globally

Manage supported settlement in currencies such as:

Hands and a world map representing global settlement

Supported intake

NGN · GHS · KES · ZAR · XOF · XAF · + more

One infrastructure layer connecting local African money with global finance.

Coverage

Africa is not one payment market. We make it feel like one.

Each country has its own banks, currencies, regulations, payout rails, and payment behaviors. Raiz gives businesses a consistent infrastructure layer across supported markets.

Africa and the Middle East

Local collections, payouts, FX, trade payments, and settlement across Nigeria, Ghana, Kenya, South Africa, and supported Francophone markets — through one Raiz relationship.

Explore Coverage
Global settlement infrastructure

Africa to the world. The world to Africa.

Teams operating across African and global markets

One infrastructure layer. Five essential corridors.

Raiz is built around the corridors businesses usually use.

Explore Global Settlement

Process payments with ease and access african market

Contact sales
Industries

Built for the businesses shaping Africa’s next decade.

Raiz infrastructure supports businesses where payments are part of the product, not just the checkout. From retail to machinery, logistics to remittances — one integration, built to handle local payments, compliance, and FX for growing businesses and industries.

Platforms & marketplaces

Buyers pay. Sellers get paid.

Connect both sides of your marketplace through local collections, multi-party payment flows, FX, payouts, and reconciliation.

Explore Platforms & Marketplaces

Fintech

Build the product. Let Raiz power the rails.

Use Raiz underneath wallets, remittance products, merchant fintech, lending platforms, treasury tools, and other financial products.

Explore Fintech

Payroll & workforce

Hire globally. Pay locally.

Fund centrally and pay employees, contractors, freelancers, and distributed teams across supported African markets.

Explore Payroll & Workforce

Mobility & logistics

Payments that keep business moving.

Collect from customers and pay drivers, couriers, fleet operators, merchants, and logistics partners. From ride hailing to food delivery, Raiz covers all.

Explore Mobility & Logistics

B2B trade

Collect locally. Pay suppliers globally.

Connect African businesses to global suppliers through local funding, FX, international settlement, and reconciliation.

Explore B2B Trade

More industries

Raiz also supports payment infrastructure for:

RemittanceProcurementFreight & LogisticsCar ImportersCreator PlatformsSaaS & Digital Businesses
Explore all industries
Payment Methods

Let customers pay the way they already pay.

Different markets use different payment methods. Raiz connects businesses to supported local and global rails through one platform.

Bank Transfer

Accept or deliver money through supported domestic bank rails.

Mobile Money

Reach customers and recipients in mobile-first markets.

Cards

Support eligible local and international card payments.

Virtual Accounts

Create dedicated payment destinations for easier collection and reconciliation.

Real-Time Payments

Connect to supported instant payment infrastructure.

ACH

Support eligible US funding and settlement workflows.

Wire

Move higher-value commercial payments across supported corridors.

AllPay & WeChat Pay

Support eligible China-related commercial payment flows where available.

Stablecoins

Use supported digital settlement rails where eligible.

Explore Payment Methods

Built for developers.Useful for everyone else.

Your developers need powerful APIs.
Your operations team needs visibility.
Your finance team needs reconciliation.
Raiz is designed for all three.

Explore Developer Tools

For developers

  • REST APIs
  • Webhooks
  • Sandbox
  • Idempotency
  • Metadata
  • API logs
  • Developer documentation

For operations

  • Transaction search
  • Payment tracking
  • Beneficiary management
  • Failed payment review
  • Batch processing
  • Status visibility

For finance

  • Reconciliation
  • Settlement reporting
  • FX visibility
  • Transaction exports
  • Customer references
  • Supplier references

One API

One API for African financial infrastructure.

Build once. Enable additional supported markets and payment capabilities through the same Raiz infrastructure.

Read the DocsGet API Access
const payout = await raiz.payouts.create({
  amount: 250000,
  currency: "NGN",
  reference: "PAYOUT-48291",
  beneficiary: {
    id: "recipient_284",
    type: "bank_account",
  },
  metadata: {
    customer_id: "CUS-8821",
  },
});
African city skyline at dusk along the waterfront
Ready To Expand?

Africa is your next market.

Whether you’re entering your first African market or scaling across several, Raiz gives your business one infrastructure layer for the money movement underneath it.

One integration. Multiple markets. Built for growth.

Talk to our team Explore the API

Subscribe to Raiz Insights

A monthly briefing on payments, trade, and financial infrastructure
across Africa.