Modern financial infrastructure for real-world commerce

Run every layer of your financial operations, from offline payments and smart checkout to reconciliation and embedded finance. All-in-one modular stack. Built for Africa.

CBN Licensed & Regulated | Powered by P-UP Microfinance Bank
People making payments online
CBN Licensed
PCI DSS Ready
NIBSS NIP Integrated
NDPR Compliant
RC 8760310

Everything you need to build, run, and scale commerce systems

Whether it's agent payments in remote areas or real-time accounting in the cloud, our modular suite adapts to every layer of your business needs -- online or offline.

15 purpose-built modules that work independently or together
Offline-first architecture for low-connectivity environments
White-label ready for banks, fintechs, and aggregators
Bank-grade security with AES-256 and TLS 1.3
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BaaSey platform overview

Checkout that works like you do

Built with logic-based routing, embedded flows, fee handling, commissions, and more. Designed to simplify merchant experiences while maximising conversion.

Payment links with custom branding and expiry
Multi-channel: bank transfer, card, USSD, wallet
Commission splitting and fee routing built in
Webhook callbacks for real-time integration
Try Smart Checkout
Smart Checkout

Stay connected even without internet

AirVend lets merchants and agents accept, sync, and reconcile payments offline -- so business never stops when the internet does. Seamless offline-first infrastructure for markets where connectivity can't be counted on.

BLE (Bluetooth) payment between phone and POS terminal
QR code generation and scanning -- fully offline
Local transaction storage with auto-sync on reconnect
Built for rural agents, markets, and field operations
Explore AirVend
AirVend offline market setting

Reconciliation that handles itself

No more spreadsheets or second-guessing. ReconcileX automatically matches payments to the right invoices, orders, or accounts across bank transfers, wallets, and offline channels.

Auto-match across NIP transfers, wallet payments, and POS
Real-time reconciliation -- not end-of-month
Exception handling with audit trails
Multi-entity support for holding companies
View ReconcileX
Managing finances across devices

Smart payouts, built into your flow

Move money exactly how your business needs -- with programmable, rules-based payouts that eliminate manual work and power new financial experiences. Virtual accounts, wallets, escrow, and settlement in a single API.

Virtual account generation for every merchant
Programmable settlement rules and splits
Wallet-to-bank, bank-to-wallet, wallet-to-wallet
Escrow and holdback for marketplace models
Explore BankBox
Professional using embedded finance tools

Everything you need to build, run, and scale commerce.

Whether it's agent payments in remote areas or real-time accounting in the cloud, our modular suite adapts to every layer of your business -- online or offline.

Smart Checkout

Logic-based routing, embedded flows, fee handling, commissions, and split payments. Designed to simplify merchant experiences.

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ReconcileX

Automatically matches payments to invoices, orders, or accounts across bank transfers, wallets, and offline channels. No more spreadsheets.

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AirVend Offline

BLE-powered offline payment terminal. Accept, sync, and reconcile payments without internet. Business never stops when connectivity drops.

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BankBox

White-label embedded finance. Launch savings, wallets, lending, and payment products under your own brand with programmable, rules-based payouts.

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UniTap & SnapTag

QR code and NFC tap-to-pay infrastructure. Generate dynamic QR codes, accept contactless payments, and confirm transactions instantly.

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UniPouch Wallets

Universal wallet infrastructure for merchants, agents, and consumers. Multi-currency, escrow-capable, and programmable fund management.

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AgentIQ

End-to-end agent management platform. Onboard, monitor, assign territories, track performance, and manage commissions at scale.

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InvoIQ

Smart invoicing with payment tracking, automatic reminders, partial payments, and real-time reconciliation built in. Send, track, get paid.

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ClariFi Dashboards

Real-time BI analytics for every transaction, agent, and channel. Custom reports, trend analysis, and revenue intelligence at your fingertips.

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VaultIQ

Secure card tokenization, encrypted storage, and PCI-DSS compliant data management. Your customers' sensitive data, locked down.

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SafeHands Escrow

Programmable escrow accounts for marketplace transactions. Funds held securely, released automatically when conditions are met.

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GateLite Gateway

Lightweight payment gateway kit for developers. Plug into NIP, cards, USSD, and bank transfers with a single integration.

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Up and running in minutes

01

Register & KYC

Create your account, verify your business with BVN and documents, and get your API keys in under 10 minutes.

02

Activate Modules

Choose the modules you need -- payments, invoicing, wallets, checkout, offline, or all of them. Each works independently.

03

Go Live

Start accepting payments, reconciling transactions, and managing your entire financial operation from one platform.

Built for the real world. Ready for any condition.

From smart checkout to embedded banking and offline sync, every layer is built to perform even in low-connectivity, high-traffic, or remote environments.

Offline QR + Bluetooth Sync
Empower agents and merchants to process payments on the go. Use QR codes and Bluetooth sync to confirm and share transactions -- even without internet.
Field Agent to Merchant Wallet
Allow field agents to collect and sync payments directly to wallets, even without connectivity. Transactions are confirmed on the spot using secure QR scans.
Sync & Reconcile Engine
Once back online, all offline transactions are automatically synced, matched, and reconciled with your ledgers -- no manual steps needed.
15+
Purpose-Built Modules
<100ms
API Response Time
99.9%
Platform Uptime
10K+
TPS Capacity
24/7
Monitoring

Simple, transparent. No hidden fees.

No locked-in contracts. Start free and scale as your business grows. Only pay for what you use.

Cloud
1% per collection, capped at ₦1,000
Full-stack financial infrastructure for businesses of every size. Pay only when you collect.
  • Smart Checkout with payment links
  • ReconcileX auto-matching
  • AirVend offline stack (BLE + QR)
  • UniPouch wallets & escrow
  • AgentIQ field management
  • InvoIQ smart invoicing
  • ClariFi BI dashboards
  • UniTap & SnapTag (QR + NFC)
  • Virtual accounts & collections
  • CivicFlow KYC & compliance
  • CartLink multi-merchant checkout
  • SafeHands escrow
  • VaultIQ card tokenization
  • CrediFind lending rails
  • Instant settlement (T+0)
  • Priority support
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Enterprise / On-Premise
Bespoke
For banks and institutions needing white-label deployment, dedicated infrastructure, and on-premise hosting.
  • Everything in Cloud
  • BankBox white-label embedded finance
  • GateLite payment gateway kit
  • Dedicated environment
  • On-premise deployment option
  • Custom SLA (99.99%)
  • Dedicated account team
  • Custom integration support
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Designed for every operator in the financial stack

Whether you're a merchant, agent, aggregator, or platform provider, each module fits smoothly into your operations.

Female merchant at point of sale
Agent banking officer in the field

Let's Build the Future of Financial Infrastructure

Start building on P-UP today. Get your API keys, activate your modules, and go live in minutes.

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