NjiaPay, a South African Payments-as-a-Service (PaaS) provider born out of international calling app Talk360, has announced a successful oversubscribed pre-seed funding round, raising over $1 million.

The investment was led by HAVAÍC, a prominent venture capital firm, and saw participation from notable angel investors, including the founders of Anyfin, Banxware, and Maxidrive.

Launched in late 2024, NjiaPay is tackling the fragmented and often complex payments landscape in Africa. Operating currently in Nigeria, Kenya, and South Africa, the company offers a unified platform that aggregates multiple payment service providers (PSPs), simplifying payment management for businesses across the continent.

This single integration point provides access to intelligent routing, robust fraud protection, and consolidated reporting, addressing key challenges businesses face when navigating the diverse African payments ecosystem.

Led by former Adyen executive Jonatan Allback, NjiaPay has already demonstrated its effectiveness within Talk360, achieving a remarkable 25% increase in conversion rates. This success story highlights the platform’s potential to significantly improve payment performance for other businesses.

The newly secured funding will be instrumental in fuelling NjiaPay’s growth trajectory. The company plans to expand its team across its offices in Amsterdam and Cape Town, strengthening its operational capacity.

A significant portion of the investment will also be dedicated to further platform development, enhancing its capabilities and ensuring it remains at the forefront of payment innovation.

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NjiaPay has ambitious plans to scale its operations across Africa throughout 2025, bringing its streamlined payment solutions to a wider market.

A Unified Approach to Payments:

NjiaPay’s platform offers a streamlined checkout experience for customers, ensuring a smooth and seamless transaction process.

For merchants, the platform provides a consolidated merchant portal, simplifying payment operations and providing a centralised view of all transactions.

This unified approach not only improves the customer experience but also significantly reduces the operational burden on businesses.

Intelligent Routing and Robust Reliability:

NjiaPay’s platform utilises intelligent routing to direct transactions, optimising for cost and speed. Furthermore, built-in redundancy ensures high reliability, minimising the risk of transaction failures and downtime.

The platform also incorporates robust fraud protection features, safeguarding businesses and their customers from potential threats.

Empowering Businesses with Data and Insights:

Beyond simplifying transactions, NjiaPay provides centralised reporting and data management tools. These tools empower businesses to streamline back-office functions, including customer support and finance.

Access to comprehensive transaction data enables businesses to gain valuable insights into their payment flows, optimise their operations, and make informed decisions.

Industry Validation:

Rob Heath, a partner at HAVAÍC, a pan-African private equity firm, emphasised the challenges faced by businesses in managing payments across Africa. “We have observed first-hand the challenges faced by our portfolio companies in managing payments across the African continent,” he said.

“The need to integrate with multiple PSPs can significantly impede their product development timelines. Streamlining payment operations is crucial for the growth of the African digital economy, and we believe that NjiaPay is well-positioned to address this critical need.”

Currently operating in Nigeria, Kenya, and South Africa, NjiaPay has set its sights on expansion. In 2025, the company plans to broaden its product offerings within these existing markets, forging partnerships with additional PSPs.

This expansion will further enhance the platform’s capabilities and provide businesses with even greater flexibility and choice in payment processing.

Scaling operations across the African continent is also on the horizon, signalling NjiaPay’s commitment to serving a wider range of businesses.

Seamless International Calling with Talk360 and Njiapay Kenya

Talk360 app is a popular solution for affordable international calls, allowing users to connect seamlessly across borders. To get started, users can easily complete the Talk360 login process after downloading the Talk360 apk from trusted sources.

For those looking to install the app directly, the Talk360 download option is available on major app stores. Keeping your account active is simple with the Talk360 recharge feature, which ensures uninterrupted calling services.

Additionally, the Talk360 customer service is available to assist users with any issues, including enquiries about Talk360 international calls rates. Staying informed about Talk360 rates ensures you get the best value for your calls.

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For users in Kenya, the Njiapay kenya platform provides convenient payment options through the Njiapay app, making recharges and other transactions seamless.

Looking Ahead

NjiaPay’s emergence as a key player in the African fintech space comes at a crucial time. As businesses across the continent increasingly rely on digital transactions, the need for efficient and reliable payment infrastructure has never been greater.

NjiaPay’s innovative approach, coupled with the backing of experienced investors, positions the company for significant growth and impact in the years to come.

The company’s focus on simplifying a traditionally complex process promises to empower businesses across Africa, enabling them to focus on their core operations and drive economic growth.