Customers
African banks and fintechs building cards
enza runs a controlled early-access program with partners across digital banking, consumer lending, and cross-border payments.
Early access profiles
Partner profiles
Digital bank
West Africa
A licensed digital bank launching its first consumer Visa debit product needed card acceptance and same-day settlement without separate scheme integrations.
Sandbox to first live transaction in 4 days, with chargebacks below 0.04% during the pilot.
Consumer lending fintech
East Africa
A fintech issuing prepaid cards to loan disbursement recipients needed one settlement account for card activity across multiple East African corridors.
One dashboard runs multi-corridor settlement. Fraud alerts appear before clearing, not after chargeback.
Cross-border payments platform
North Africa
A B2B platform handles card payments for SME merchants in three North African markets and needed real-time fraud scoring across corridors with varied risk profiles.
Tuning fraud thresholds by corridor cut false positives by a material margin during the first 30 days of the pilot.
4 days
Median time from API key to first live transaction
<0.05%
Chargeback rate across early-access partners during the first three months
Drawn from early-access transaction data. Results vary by product type, corridor, and fraud settings.
Case study
Launching a debit card without a scheme integration team
A West African digital bank had planned its Visa debit product for two years. The obstacle was technical integration, not card design or product planning. Direct scheme connectivity called for specialist staff the bank lacked and could not recruit quickly.
The bank connected to enza, whose API handled scheme connectivity, clearing file generation, and fraud scoring. Its existing payments team had no prior scheme integration experience, yet completed sandbox integration and production review in under two weeks.
The debit product launched on schedule. From the enza dashboard, the bank's payments team manages card acceptance, fraud thresholds, and settlement reporting. No scheme engineering team was needed.
Request early access
We review every application ourselves. If you are building a card product at an African bank or fintech, get in touch.