About Payve · pre-licence, through regulated partners
Why Payve exists.
Every payment arrives.
Money across Africa should move fast, at a rate you see before you send, to the right person — and you should be able to watch it land. We are building that road.
The problem we are fixing
Anyone who has sent money across an African border knows the screen: a spinner, the word “pending”, and no answer to the only question that matters — where is it? The sender does not know. The recipient does not know. Often the company in the middle does not know either, because the payment went to a partner and the partner has not said.
Payve is built around one promise: every payment arrives. Each payout is priced before it moves, the recipient’s name is checked first, and the payment leaves on the best road we have to them. You see a plain status at every step, and your webhook says the same thing your dashboard does.
Underneath, every movement is a balanced double-entry pair. There is no balance field to edit, no spinner without a ledger row behind it. A finance team can reconcile against entries, not against hope.
How it arrives
Three mechanics make the promise true. All three are in the engine, not the brochure.
Always the best road.
Every payout is scored across the rails that can carry it — cost, speed, recent performance — and leaves on the best one. Should that road slow, the payment moves to the next-best lane on its own, within limits you set. You do nothing.
See the rate. See the fee. Then send.
The quote you accept is the quote we settle — held for five minutes, with the fee and the amount the recipient gets shown before you confirm. No mid-trip tolls.
Every kobo, cedi and shilling on the books.
Each movement posts as a balanced double-entry pair or the ledger refuses it. Signed webhooks tell your systems what happened, and the customer sees a plain status, not a spinner.
What we’ve built so far
The modules in the codebase, and where each one stands.
- PayoutsBank transfer and mobile money across NGN, GHS and KES, with ZAR and USD coming soon. Name check first, the best rail chosen for each one, a balanced ledger entry for every one.Live
- CollectionsVirtual accounts that credit your wallet when money lands, with a signed webhook telling your systems it did.Live
- ConversionsQuote, hold the rate for five minutes, convert. The rate you accept is the rate we settle.Live
- WalletsMulti-currency balances, every movement on a double-entry ledger that refuses an unbalanced entry.Live
- Mobile appOne app with a personal mode and a business mode. Send, convert, hold, and watch it arrive.Early access
- Admin controlsMaker-checker on every manual movement, transaction limits, fraud and sanctions checks, a reconciliation view the finance team can read.Internal
Status as of 18 Sep 2026. Currencies and corridors →
Regulation
No licence of our own yet. Here is exactly how the money moves in the meantime.
Payve is pre-licence and operates through regulated partners. We are building toward our own authorisations across our target African corridors, and we design the platform to meet the regulatory and compliance requirements of each market we enter.
- NigeriaLive through a licensed partner
- GhanaLive through a licensed partner
- KenyaLive through a licensed partner
Who is building it
We would rather show you an honest gap than an invented team.
A small team in Lagos building Payve. Names, roles and photos go here once they are published — and not before.
Want to be part of it? Build the road with us →
Send one payment. Watch it arrive.
No setup fee. Sandbox keys on signup. Fee and rate in every quote.