Payment rails for African banks

Card acceptance, clearing, fraud detection, one API

Connect once to accept cards, settle funds, and catch fraud milliseconds before clearing. Built for Africa's payment stack.

Request API access See how it works

// Initialize enza payment
const enza = require('@enza/sdk');

const client = new enza.Client({
  apiKey: process.env.ENZA_API_KEY,
  region: 'africa-west'
});

const payment = await client.payments.create({
  amount: 50000,
  currency: 'NGN',
  scheme: 'verve',
  fraud_scoring: true
});

200 OK 38ms

200K+

transactions tracked

early-access pilots

<50ms

clearing fraud score

average, internal benchmark

98%

precision rate

pilot-data benchmark

Intake

Add card acceptance via one REST API. Supports Visa, Mastercard, Verve and African mobile money gateways.

Clear

enza clears and settles in real time, with FX, reconciliation, and reporting.

Guard

Our model scores each transaction milliseconds before clearing, catching fraud ahead of the chargeback.

Accept Cards

Take Visa, Mastercard, Verve and local African card schemes through one API endpoint.

Clearing, Settlement

Real-time clearing, same-day settlement, with multi-currency support.

AI Fraud Scoring

Fraud scoring at <50ms runs in the clearing window, with no separate API call.

Match Records

Daily reconciliation exports use standard bank formats, with no manual matching.

Africa's payment reality

Card schemes and mobile money rails customers use

African banking uses a distinct stack: Verve, M-Pesa, MTN MoMo, Airtel Money. enza is built around these rails. Compliance for Central Bank of Nigeria, Bank of Ghana, and other African regulators is foundational.

African schemes: Verve, GHLink, and more
Mobile money links across West Africa
Compliance for African banking regulators

For your developers

Connect your team in days, not months

One REST API, clear docs, and a test environment. The integration guide takes payments engineers from sandbox to production in one sprint.

Read the integration guide

POST /v1/payments Initiate card payment

GET /v1/payments/:id Get payment status

POST /v1/settlements Trigger settlement run

GET /v1/fraud/score Query fraud score

The integration was running in 4 days. We have had zero fraud chargebacks from our card stack since going live.

Taiwo Adesanya Head of Payments Engineering a digital bank in Lagos (early-access partner)

Explore customer stories

Connect your bank to Africa's payment stack

Ask for the integration guide, and we will guide your team through connection.

Request API access See pricing