Raiz Payins

Accept payments across Africa like a local.

Give your customers the payment methods they already use while Raiz handles collection, reconciliation, conversion and settlement. Increase your success rates using what works.

One integration. Multiple African markets. One settlement layer.

Talk to our team Explore coverage

Collections balance

USD 15,489.82

From NGN · GHS · KES · ZARReal-time tracking

Order ORDER-84921Lagos

₦50,000.00

Built for businesses growing across African markets

$15M+

processed

Multiple

currencies

One

integration

Local + global

settlement

Why local acceptance

Turn African demand into revenue.

Africa isn't one payment market.

Customers in Lagos, Accra, Nairobi or Johannesburg don't necessarily pay the same way and forcing them into payment methods designed for another market creates friction.

Raiz Payins combines local acquiring, trade networks and connects your business to the local payment infrastructure customers already know and trust.

They pay locally.

You manage everything through Raiz.

One integration instead of one integration per country.

Lagos

bank transfer

Accra

mobile money

Nairobi

mobile money

Johannesburg

cards & EFT

The old way

Expanding country by country

Entering a new African market can mean integrating another payment provider, opening another bank account, managing another currency and building another reconciliation process.

NGN

Nigeria

Local Provider

↓

Bank Account

↓

FX provider

↓

Settlement

GHS

Ghana

Another Provider

↓

Another Account

↓

Another Integration

KES

Kenya

Another Provider

↓

Another Settlement Process

NGN · Nigeria

Local Provider

Bank Account

FX provider

Settlement

GHS · Ghana

Another Provider

Another Account

Another Integration

Every market adds another operational layer.

With Raiz Payins

One payment infrastructure layer.

Integrate Raiz once and enable the payment methods and markets your business needs.

Your Business

↓

RAIZ PAYINS

↓

NigeriaGhanaKenyaSouth Africa+ More Markets

NigeriaGhanaKenyaSouth Africa

+ More Markets

↓

Bank TransferMobile MoneyCardsLocal Rails

Bank TransferMobile MoneyCards

Local Rails

One dashboard. One API. Unified settlement.

Explore our API

[Customer name]

[Title, Company]

Basic cross-border providers cost you the sale and more money on FX than you can imagine.

See how much you save and how fast your payments get with Raiz.

Talk to our team

Payment methods

Let customers pay the way they already pay.

Different markets require different payment experiences. Raiz brings those methods together behind a single integration.

BankRaiz Partner Bank

Account number0123 456 789

Amount₦50,000.00

ReferenceORDER-84921

Payment confirmed & matched to order

Let customers pay directly from their local bank.

Generate local payment instructions or collection accounts that allow customers to pay using familiar domestic bank transfers.

Raiz tracks the transaction, confirms payment and reconciles it back to your customer or order.

B2B paymentsHigh-value transactionsMarketplacesAccount fundingInvoices

Explore Bank Transfers

Collection to settlement

Your customers pay locally. You settle globally.

A customer shouldn't need dollars to buy from a global company. And a global company shouldn't need to manage African currencies just to serve African customers.

01
Customer pays
Your customer pays in their local currency.
NGNGHSKESZAR+ more
02
Raiz collects
Raiz processes the payment through available local infrastructure.
03
Raiz reconciles
Payments are matched to the appropriate customer, invoice, wallet or transaction.
04
You settle
Receive settlement in supported currencies based on your configuration.
USDGBPEURLocal currency+ more

With Raiz, the currency your customer pays in and the currency you settle in no longer have to be the same.

Talk to our team

Capabilities

Built for better payment acceptance.

Local payment experiences

Don't force every African customer through an international card checkout.

Present payment methods appropriate to the market they're buying from.

More familiar ways to pay. Less checkout friction.

Intl. card onlyDeclined · FX markup

Local bank transferFamiliar · Instant

Mobile moneyMobile-first

Intelligent payment routing

Raiz is designed as an orchestration layer across multiple payment providers and financial rails.

Where supported, transactions can be routed through the available infrastructure best suited to that payment.

Less dependency on a single provider. More resilient infrastructure.

Raiz

Rail ARail B ✓Rail C

Real-time payment visibility

Know what's happening with every payment.

Track:

PendingProcessingSuccessfulFailedReversedSettled

through your dashboard, API or webhooks.

Automated reconciliation

Stop matching transactions manually across multiple providers and bank statements.

Raiz connects payment references, customers, invoices and settlement records so your finance team has one view of incoming money.

Reference	Customer	Invoice	Status
ORDER-84921	cus_12345	INV-2291	Matched
ORDER-84922	cus_20871	INV-2292	Matched

Use cases

Built for the way your business operates.

Platforms and marketplaces in African local commerce

Platforms & Marketplaces

Collect from buyers. Pay sellers.

Accept payments from customers across your supported markets, maintain transaction-level visibility and connect Payins with Raiz Payouts to move funds onward to merchants, creators, drivers or other participants.

Raiz for Platforms

1CollectPayins

2ReconcileAutomatic

3SplitPlatform fees

4PayPayouts

PAYROLL & WORKFORCE PLATFORMS

Make funding local.

Allow businesses to fund payroll or contractor accounts using supported local payment methods while Raiz handles collection and reconciliation.

Raiz for Payroll & EOR

FINTECHS

Add local collection infrastructure without rebuilding it.

Use Raiz APIs to enable deposits, wallet funding, virtual accounts and payment acceptance within your own product. Your customers see your experience. Raiz powers the infrastructure underneath.

Raiz for Fintechs

SAAS & DIGITAL BUSINESSES

Let African customers pay without needing an international card.

Accept payment through local methods while receiving settlement according to your business needs.

Raiz for Digital Businesses

B2B TRADE

Collect locally. Pay globally.

Allow African businesses to fund transactions locally and connect collections with Raiz FX and global settlement infrastructure. Useful for supplier payments, procurement, imports and cross-border commerce.

NGN→RAIZ→USD · GBP · EUR · CNY

Explore Trade Payments

Developers

One API for African collections.

Your developers shouldn't have to learn a new payment API every time your business enters another market. Integrate once with Raiz.

payins.ts

const payment = await raiz.payins.create({

amount: 50000,

currency: "NGN",

reference: "ORDER-84921",

customer: {

id: "cus_12345"

payment_method: "bank_transfer"

});

webhook payin.successful · ORDER-84921 · reconciled

One API

Create and manage payments across supported markets.

Webhooks

Receive payment status changes automatically.

Idempotency

Safely handle retries without duplicate transactions.

Sandbox

Build and test before going live.

Unified reporting

Track transactions regardless of underlying payment rail.

Read the documentation Get API access

Coverage

Africa is local. Your payment infrastructure should be too.

Every African market has its own banking infrastructure, preferred payment methods, currencies and operating realities. Raiz brings those differences behind one platform.

NGN