Marketplaces
Buyers pay. Sellers get paid.
Connect both sides of your marketplace through one infrastructure layer.
Raiz for Marketplaces →- 1CollectLocal checkout
- 2SplitCommission
- 3HoldSeller balance
- 4PaySeller payout
Raiz for Platforms
Move money between every side of your platform.
One integration. Every side of the transaction.
Collect from customers. Onboard sellers and partners. Split transactions. Convert currencies. Pay users locally. Integrate with one financial infrastructure layer for managing multi-party payment flows across African markets.
Participants ready to transact
12,480
Sellers · Drivers · CreatorsLive participants
Order ORDER-28492Lagos
₦100,000.00
Seller ₦90,000Fee ₦7,000Partner ₦3,000✓ Done
Built for multi-party payments
MarketplacesCreator PlatformsMobility & Fintech
- Both sides
- of the transaction
- Multi-party
- payment flows
- Multiple
- currencies
- Local + global
- settlement
The challenge
Your platform shouldn't become a payments company
just to operate in Africa.
Platforms have more complex payment flows than traditional businesses. You aren't just collecting money. And then repeat the process across multiple countries, currencies and payment methods.
Raiz brings those flows behind one integration.
One platform. Many participants. One payment layer.
Collect
payins
Split
allocations
Convert
FX
Pay
payouts
Without Raiz
Separate stacks for every part
Your team manages separate infrastructure for every part of the transaction. Then another stack for another country. And another for the next.
NGN
Nigeria
Payment gateway
↓Local bank
↓FX provider
↓Payout provider
GHS
Ghana
Another gateway
↓Another bank
↓Another payout provider
KES
Kenya
Another gateway
↓And another...
With Raiz
One infrastructure layer connecting everyone.
Across multiple African markets.
Customers↓Raiz Platform Infrastructure↓
Explore our APINigeriaGhanaKenyaSouth Africa+ More markets
↓PayinsAccountsFXSplit PaymentsPayoutsReconciliation
Two-way flows
Real platforms aren't always one-directional.
“Your users can be both payers and payees.”
A user might buy today and sell tomorrow. Raiz helps platforms build financial flows around the actual relationships between users rather than treating every transaction as an isolated payment.
Talk to our teamBuilding blocks
Build the money flow your platform needs.
Raiz provides the building blocks for complex payment workflows.
Customer pays₦100,000
Seller₦90,000
Platform Fee₦7,000
Service Partner₦3,000
Split across 3 participants and reconciled
Let customers pay locally.
Accept payments using supported local payment methods such as:
Customers pay using familiar methods in their local currency.
Bank TransfersMobile MoneyCardsVirtual AccountsOther local rails
Explore PayinsExample flow
One customer payment can power the whole transaction.
Imagine a marketplace operating in Nigeria.
01
Customer pays
A buyer pays ₦250,000 using a local bank transfer.
Order #28492LagosBank transfer₦250,000
02
Raiz collects
Raiz confirms and reconciles the payment to Order #28492.
03
Platform economics are applied
Seller: ₦225,000. Platform fee: ₦20,000. Logistics partner: ₦5,000.
04
Funds are distributed
Seller and logistics partner receive payouts according to your platform's configured workflow.
Seller ₦225,000Fee ₦20,000Partner ₦5,000
One order. One payment record. Multiple financial movements. Unified reporting.
Talk to our teamCapabilities
Built for multi-party platforms.
Participant management
Onboard the people who power your platform.
Every platform depends on participants. Raiz can support infrastructure for onboarding and managing sellers, merchants, contractors and other recipients within supported payment workflows.
Create participantsSellers · workers · businesses
Store payout detailsBank · ****6789
VerificationBusiness · Beneficiary
Platform economics
Build platform economics into the payment flow.
Your business model shouldn't live in spreadsheets outside your payment system. Raiz can support transaction structures where your platform needs visibility into every layer of value.
₦100,000 collected
Seller ₦90,000Fee ₦7,000 ✓Partner ₦3,000
Real-time visibility
Know what's happening to every transaction.
Platform payments generate a lot of events. Raiz gives you visibility across the payment lifecycle.
PendingAllocatedDeliveredFailedConvertingSettled
Automated reconciliation
See collections, allocations, FX and payouts together.
One transaction, one record — with every participant movement connected to the order.
| Reference | Participant | Amount | Status |
|---|---|---|---|
| ORDER-28492 | seller_482 | ₦90,000 | Delivered |
| ORDER-28492 | logistics_18 | ₦3,000 | Delivered |
Business models
Built for every platform business model.
CREATOR PLATFORMS
Collect globally. Pay creators locally.
Allow brands or customers to fund your platform while creators receive earnings using supported payment methods in their home markets.
Explore Payouts →
FINTECHS
Embed African payment infrastructure into your product.
Build wallet funding, withdrawals, virtual accounts, cross-border transfers, merchant settlements, local collections and payouts without integrating separate providers for each feature and market.
Raiz for Fintech →
PAYROLL & WORKFORCE PLATFORMS
One payroll product. Multiple African markets.
Allow employers to fund payroll centrally while employees and contractors receive supported local currencies. Your platform manages workforce operations. Raiz manages the payment infrastructure underneath.
Raiz for Payroll & EOR →
MOBILITY & DELIVERY
Move money as fast as your platform moves people.
Collect customer payments and distribute earnings to drivers, riders, couriers, fleet partners and agents.
Raiz for Mobility →
B2B Platforms & Trade Networks
Connect buyers and suppliers across borders.
Platforms connecting African businesses with global vendors can use Raiz infrastructure to collect local currency, track buyer payments, convert funds, pay suppliers and manage cross-border settlement. This is particularly useful for procurement platforms, automotive marketplaces, logistics networks and B2B commerce.
Explore Trade Payments →- 1CollectLocal currency
- 2TrackBuyer payments
- 3ConvertFX
- 4PaySuppliers
Developers
One API for multi-party payments.
Your developers shouldn't have to stitch together a gateway, FX API, banking API and payout provider just to launch one marketplace.
platform-payment.ts
const payment = await raiz.platforms.payments.create({
amount: 100000,
currency: "NGN",
reference: "ORDER-28492",
customer: "cus_12345",
allocations: [
{ participant: "seller_482", amount: 90000 },
{ participant: "platform", amount: 7000 },
{ participant: "logistics_18", amount: 3000 }
]
});webhook payment.allocated · ORDER-28492 · 3 allocations
Participants
Represent sellers and other users within your platform.
Allocations
Associate transaction value with the appropriate participants.
Webhooks
Receive payment and payout events automatically.
Idempotency
Safely manage retries.
Sandbox
Test complex money flows before going live.
Coverage
Expand to another market without rebuilding your platform.
Africa is not one payment market. Your product shouldn't require a separate payment architecture for every country. With Raiz, your core integration stays the same while supported payment methods, payout rails and currencies change underneath it.
+ More markets
Francophone Africa (XOF · XAF) and global settlement in USD, GBP, EUR and CNY.
Why platforms choose Raiz
01
One integration
Use one infrastructure layer across supported markets instead of rebuilding payments country by country.
02
Payins + Payouts
Manage both sides of the transaction.
03
Multi-party payment flows
Connect one customer transaction to multiple participants.
04
Local payment methods
Let users transact using payment methods familiar to their market.
05
Multi-currency infrastructure
Connect local African currencies to global currencies.
06
Unified reconciliation
See collections, allocations, FX and payouts together.
07
API-first
Embed payment infrastructure directly into your application.
08
Operational tools
Give finance and operations teams visibility without relying entirely on engineers.
09
Infrastructure built around Africa
Expand into markets where payment infrastructure is often fragmented.
The Raiz platform
One integration from checkout to payout.
One infrastructure layer for the entire platform.
Built for the complexity between the payment and the payout
The hard part isn't accepting the money.
Who owns the funds?What is the platform's fee?Which seller should be paid?What currency should they receive?
It's everything that happens next.
Which local rail should deliver the payment? Has the recipient actually received it? How does finance reconcile everything at month-end?
Raiz brings those questions into one payment infrastructure layer so your team can focus on building the platform itself.
Get started
Your platform connects people. Raiz connects the money between them.
One platform. One API. Multiple markets.
Accept payments, manage multi-party flows, convert currencies and pay users across African markets through one integration.
01
Collect.
02
Split.
03
Convert.
04
Pay everyone.
FAQ
Frequently asked questions
Every platform's fund flow is different. Our team can map yours to the markets you want to enter.
Raiz for Platforms provides payment infrastructure for businesses that need to collect, manage and distribute money between multiple participants.
It combines capabilities such as Payins, Payouts, FX, accounts and transaction-level reporting through one integration.
Raiz can support payment infrastructure for use cases such as: marketplaces, creator platforms, gig economy platforms, mobility and delivery, payroll and workforce products, fintechs, B2B marketplaces, procurement platforms, SaaS products and other multi-party business models.
Availability depends on your specific payment flow, geography and regulatory requirements.
Subscribe to Raiz Insights
A monthly briefing on payments, trade and financial infrastructure across Africa.