Platform

Africa's card payment stack

One connection to accept, process and settle cards across Africa

enza in your payments stack

enza runs between your banking core and card networks. Banks and fintechs connect once through the enza API. Each transaction then passes through acceptance, real-time fraud scoring, clearing and settlement in one pipeline.

  • One API credential for every card operation
  • No per-scheme integrations
  • Fraud detection runs inline before clearing
Bank Core enza API Fraud Engine Card Networks Settle ment

Card Payments

Accept cards across African schemes

Visa, Mastercard, Verve, GHLink and other local card schemes connect through one acceptance endpoint. No separate scheme integrations.

  • Visa and Mastercard networks
  • Verve (Nigeria), GHLink (Ghana) and other African schemes
  • West African mobile money gateways
Request API access

Clearing and Settlement

Real-time clearing, same-day settlement

enza clears directly with card networks. Funds settle to your local-currency account the same business day in most African corridors.

  • Real-time clearing on every transaction
  • Multi-currency support and automated FX
  • Daily reconciliation exports in bank formats
See pricing

Fraud Scoring

Fraud scoring within the clearing window

No bolt-on: the model scores each transaction inline within the clearing pipeline before it clears. Under 50ms.

How fraud detection works

<50ms

fraud scoring latency

99.95%

early-access clearing uptime

4 days

API key to first live transaction, median

Connect your bank to Africa's card stack?

Request an integration guide and we will take your team through the connection.

Request API access Integration guide