Transform your business model
Supercharge and innovate your entire customer lifecycle, move faster than competitors, and create 10x better financial services experiences on our digital financial services ecosystem.
Digital Banking and Mobile Money
Supercharge your entire customer lifecycle, create a 10x better digital Banking platform in a matter of days.
Payment processing, gateway, and remittance
Start, run and grow your merchant acquiring, payment processing, payment gateway and remittance
Multi-Level Agency Banking
Extend your presence and increase the penetration of your network for financial services delivery in less time
FinTech-as-a-Service
Embed financial capabilities into your existing products to boost revenues and improve customer retention.
Unleash The Power Of an All-In-One Platform
Whether you are launching a Digital Bank, Mobile Money or you would like to embed financial capabilities to your existing product and services, the OrbitOS All-In-One Financial Services Platform will always give you a way to exceed expectations and become the main provider for your customer's needs.
One unified platform, all business lines
One unified platform designed to orchestrate all financial services capabilities, unify all channels, and create a seamless digital experience that your customers will love.
Banks, Microfinance Banks And Credit Union
Supercharge your entire customer lifecycle and create the 10x better banking and money management experience they deserve
Mobile Money, Wallet And FinTech Operators
Engage your customers with digital banking and payment experiences that they love, all packed into a single mobile app
PSPs, Merchant Acquirers And Card Issuers
Start, run and grow your card issuing, merchant acquiring, processing, settlement, and payment gateway
Why choose Paymenex?
Orchestrate all of your unique propositions, launch digital products and services in a matter of days, be part of a low-cost alternative payment network and tap into new markets and the best FinTech capabilities to stay ahead of your competitors.
Digital ecosystem
Tap into a financial technology ecosystem with a wide range of financial services capabilities
Own The Experience
Bring your own unique look and feel, apply the style that best suits your brand. Have it all your way
Global Developer Engine
Everything developers need to build innovative banking and payment integrations - APIs, SDKs and more.
Fast Time To Market
Quickly create and launch your unique digital financial services proposition in just a matter of days.
Cost efficiency
Reduce cost of developing new technologies and markets by tapping into existing ones to stay ahead.
Customer experience
User centric technologies, engage and delight with user-driven instead of tech-led innovation
Alvin — Your Autonomous AI Payment Agent
Alvin is your personal AI-powered financial assistant, managing payments and transactions on your behalf. It follows your rules, optimizes payment timing, and finds the best rates for every transfer. Alvin proactively detects fraud and protects your accounts before threats occur. Designed for individuals and businesses alike, it gives you smarter, safer, and effortless money management.
Intelligent Money Management
Alvin automates your bills, transfers, and payments according to your preferences. From scheduling payments on the cheapest day to ensuring your balance never drops below a set limit, Alvin keeps your finances on track with precision.
Fraud Prevention That Knows You
Alvin understands your unique financial behaviour. It detects unusual activity before it happens, blocks unauthorized attempts, and ensures only you or your trusted delegates can authorize transactions.
Smart Assistance for Everyone
Alvin is designed for every kind of user — individuals, business owners, travellers, and people with disabilities. It provides easy-to-understand summaries, alerts, and confirmations, giving you complete control while automating your financial tasks.
Stay ahead of Emerging risks and threats
Countering risk goes beyond preparing for a response. Ideally, you’d be able to identify threats before they have a major impact, and we'll always have your back
Automated Fraud Monitoring System
Our AI/ML-powered automated Fraud-Monitoring system detects and automates decisions to proactively stop fraudulent behaviour.
Three-tier security architecture
Built on three-tier security architecture, we follow the best practices and use industry-leading innovative technologies
Our Platform is SCA PSD2 Compliance
OTP and facial or fingerprint biometric at every access point to comply with PSD2 directive for Strong Customer Authentication
Trusted By Banks, Loved By A Variety Of Market Players
ECOBANK
Ecobank launched mSavings digital banking and agency network to improve financial inclusion in Ghana
COPTAVANZA MICRO FINANCE BANK
Coptavanza launched Micro Finance banking and agency network to improve financial inclusion in Panama
CAMPOSTMONEY
Cameroon Postal Services launched digital banking and agency network for financial services delivery across Cameroon.
MTN
MTN leveraged our curated APIs to access Cameroon's eSchool invoicing and payment for the Ministry of Secondary Education
ORANGE
Orange leveraged our curated APIs to access Cameroon's eSchool invoicing and payment for the Ministry of Secondary Education
VODAFONE
Vodafone leveraged the power of Paymenex MultiCard to deliver the Vodafone Swipe Card and Agency Network for airtime distribution
MULTICHOICE - DStv
Multichoice Ghana increased the penetration of cable TV subscription distribution and bill payment with Paymenex
EXPRESS EXCHANGE
Express Exchange made one integration and unlock many of the best domestic bill payment capabilities
EXPRESS UNION
MTN leveraged our curated APIs to access Cameroon's eSchool invoicing and payment for the Ministry of Secondary Education
LAKOOS
Lakoos launched an easy, affordable and better way to manage, convert and move their money globally just like a local in United Kingdom
Latest Blog and highlights
Check out some of our recent highlights, company blog, and success stories
People with disabilities face real, everyday barriers when managing money: inaccessible apps and websites, complex multi-step payment flows, physical limitations that make typing or tapping hard, cognitive overload from juggling bills, and a higher exposure to fraud or scams. Alvin — the autonomous AI payment agent built into Paymenex xTransNET — is designed to remove those barriers and give people back independence, control and dignity over their finances.
With Alvin, money doesn’t just move — it thinks before it moves. For people with disabilities this isn’t a marketing line: it’s a practical change in how money is managed, verified, protected and explained.
Why Alvin matters for accessibility
Alvin turns manual, repetitive money tasks into hands-free, rule-driven actions. Instead of needing to log into multiple apps, complete multi-step forms or remember exact payment dates, users define preferences and risk thresholds once — and Alvin executes them safely and transparently. That single capability produces powerful outcomes for accessibility:
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Independence: fewer manual interactions needed to pay bills, send money, or manage subscriptions.
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Safety: proactive fraud detection and owner verification reduces risk of scams — a major concern for many disabled and elderly people.
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Simplicity: plain-language summaries and one-step confirmations reduce cognitive load.
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Inclusion: works across devices, networks and channels so it can adapt to assistive technologies people already use.
Core Alvin features that help people with disabilities
Below are the Alvin capabilities most relevant to accessibility, explained in practical terms.
Voice-first control & natural language
Users can set rules, ask questions, and approve transactions using voice (speech-to-text) or natural language. No tapping through tiny buttons or entering long passcodes.
Smart summaries & one-tap confirmation
Before important actions, Alvin generates a concise, plain-language summary of what it intends to do (amount, recipient, reason, timing) and asks for a single confirmation — via voice, screen reader, large text, haptic feedback or a single accessible button.
Rule-based automation
Create persistent rules like:
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“Pay rent first. Never let balance fall below £500.”
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“When FX > X, hold transfers and notify me.”
Rules let Alvin act autonomously while respecting user limits and priorities.
Strong owner verification & fraud prevention
Alvin uses device recognition, biometrics (where available), behavioural signals and transaction context to confirm the owner. It flags and blocks suspicious activity before it executes — reducing exposure to social engineering and account takeover.
Multi-channel accessibility & low-bandwidth support
Alvin works across smartphone apps, voice assistants, SMS/USSD fallbacks and web interfaces built for screen readers. This spectrum means people who depend on specific assistive tech are not left out.
Caregiver & delegated access with consent
Designated caregivers, family members or trusted agents can be granted controlled access (e.g., to review alerts, confirm payments, or act in emergencies). All actions are logged and auditable to protect the user’s rights and privacy.
Explainability — plain reasons, not black boxes
When Alvin makes a decision, it provides a simple explanation: “I scheduled your electricity bill today because your balance is above £500 and this is the cheapest date this month.” This builds trust and reduces anxiety about autonomous decisions.
Emergency overrides & safe fallbacks
If Alvin detects an ambiguous or risky request, it can pause, ask for confirmation, route to a human trusted contact, or use an emergency protocol — ensuring autonomy without sacrificing safety.
Concrete use-cases
1) Visually impaired user — hands-free bill management
Maria is blind and uses a screen reader and voice controls. She tells Alvin: “Pay my bills but keep £200 buffer.” Alvin speaks a monthly summary, schedules payments automatically, and reads a short confirmation before sending. No manual navigation required.
2) Mobility-impaired user — fewer taps, more control
James has limited hand mobility and finds multi-step forms painful. Alvin handles subscriptions, sends a weekly digest, and asks for a single voice confirmation for bigger payments. James regains time and reduces physical strain.
3) Cognitive disability — reduce overwhelm with rules
Amina struggles with executive function and forgets payment dates. Alvin automates priorities (rent, utilities first), postpones non-essentials when funds are low, and sends short, actionable alerts — reducing stress and missed payments.
4) Deaf / hard-of-hearing user — visual & haptic confirmations
Ola prefers visual notifications and vibration. Alvin provides clear visual summaries, color-coded urgency flags, and haptic prompts for immediate attention — removing reliance on audio cues.
5) Older adults with dementia risk — safe delegated support
When memory becomes a concern, a trusted caregiver can be granted limited, auditable permissions to review Alvin’s proposed payments and approve or pause them. Alvin preserves user consent while offering practical support.
6) Small business owner with disability — automated supplier payments
A micro-business owner who uses a wheelchair can rely on Alvin to schedule supplier payments, optimize timing for cash flow, and send reconciliations — freeing up time to run the business.
Design and UX patterns to ensure real accessibility
Alvin’s usefulness depends on inclusive design. Recommended patterns:
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Multi-modal interaction: voice, text, large UI controls, keyboard navigation, screen reader semantics, and haptic signals.
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Plain language summaries: short sentences, clear outcomes, and easy reject/approve choices.
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Configurable alerts: choose channel (voice, SMS, in-app) and frequency to avoid overload.
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High-contrast, scalable UI: big buttons and resizable fonts by default.
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Short onboarding flows: step-by-step setup that guides through permissions, rule creation, and caregiver delegation.
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Audit trails & receipts: downloadable logs that show what Alvin did and why — useful for bookkeeping and legal protection.
Security, privacy and ethical safeguards
Autonomy must be balanced with safety and user rights. Important measures:
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Consent first: all automation and delegation are opt-in, with clear consent flows.
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Transparent logs: every automated action and human confirmation is recorded and reviewable.
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Explainable decisions: Alvin explains rationale for each decision in understandable language.
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Data minimization & encryption: only the data needed for decisions is stored, with strong cryptography.
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Emergency controls: users and designated guardians can quickly pause Alvin or revert actions if needed.
Implementation and adoption — what organizations should consider
For Banks, Fintechs and disability organisations adopting Alvin, recommended next steps:
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Pilot programs with disability advocacy groups to co-design onboarding and voice flows.
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Integrate with assistive tech vendors and platform accessibility APIs.
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Train support teams on how Alvin’s caregiver delegation and audit logs work.
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Provide localized options (languages, currency, regional payment rails) and low-bandwidth fallbacks.
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Measure outcomes: tracking reduced missed payments, fewer fraudulent incidents, and improved user satisfaction.
The bigger impact: independence, dignity, financial inclusion
Autonomous finance like Alvin can do more than speed up payments — it can change lives. For people with disabilities, financial independence is linked to dignity, opportunity and safety. Alvin reduces reliance on third parties for routine transactions, lowers the cognitive and physical effort of money management, and provides layered protections against fraud.
This is not just a feature set — it’s a pathway toward real financial inclusion.
Closing: Alvin as a companion for accessible finance
Alvin is designed to act like a trusted companion: it learns, it protects, and it explains. Built inside Paymenex xTransNET, Alvin combines cross-border reach with intelligent, accessible interactions — making autonomous finance available to people who most need it.
With Alvin, money doesn’t just move — it thinks before it moves . For people with disabilities, that decision can mean more independence, fewer risks, and greater control over daily life.
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“Pay all my bills, but never let my account balance fall below £500.”
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“Pay my credit card on the lowest interest day.”
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“If funds are short, prioritize rent and utilities first, postpone streaming subscriptions.”
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“When I travel, always secure the lowest FX rate available.”
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It knows its owner. Alvin uses biometrics, device recognition, and behavioural analysis to make sure the right person is always behind a transaction.
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It detects anomalies instantly. Unusual activity, suspicious requests, or fraud attempts are flagged and blocked before they’re executed.
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It keeps learning. The more you use Alvin, the smarter it becomes — recognizing your spending patterns and building stronger defences over time.
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For Consumers
Alvin helps people avoid overdrafts, manage bills intelligently, and stay financially healthy. Instead of micromanaging every payment, you simply set your preferences and let Alvin do the work. -
For Businesses
Finance teams can automate repetitive workflows like payroll, vendor payments, and reconciliations. Alvin even optimizes the timing of payments to save costs or maximize efficiency. -
For individuals, Alvin means financial peace of mind.
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For businesses, it means efficiency and trust at scale.
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For Banks and Fintechs, it offers a way to leap ahead — delivering smarter, safer, and more inclusive services.
For years, payments have been stuck in a cycle of cards, apps, and approvals. You log into your banking app, schedule a bill, double-check a transfer, or try to get the best FX rate. Businesses do the same on a larger scale, with finance teams juggling payrolls, supplier invoices, and reconciliations across borders.
This system works, but it’s far from intelligent. It’s manual, repetitive, and vulnerable to fraud.
At Paymenex, we saw an opportunity to change that. What if payments could be managed by an autonomous agent — one that listens, learns, and acts on behalf of its owner?
That’s why we built Alvin, the world’s first AI-powered autonomous payment agent, fully integrated into the Paymenex xTransNET network.
Alvin is not just another fintech tool. It’s the start of a new era: one where money doesn’t just move — it thinks before it moves.
🤖 Meet Alvin: Your Virtual Financial Agent
Think of Alvin as the Siri or ChatGPT of your finances, but smarter and with real transaction power.
You tell Alvin what matters, and it handles the rest.
For example:
Alvin works quietly in the background, following your rules and adapting to your needs. And importantly, before executing key actions, Alvin sends you a smart summary alert, so you’re always informed, and always in control.
🔐 Security That Protects Before Fraud Happens
Fraud is one of the biggest threats in digital payments, especially as financial services go online and cross-border. Most networks only detect fraud after the damage is done.
Alvin is different. It has fraud prevention built into its intelligence.
Here’s how:
This makes Alvin more than a convenience tool. It’s a guardian of financial trust, protecting money proactively.
⚙️ Alvin’s Core Features
Alvin isn’t just about automation — it’s about intelligent decision-making. Here are some of its standout features:
1. Rule-Based Payments
Set your own rules — from minimum balances to bill priorities — and Alvin enforces them consistently.
2. Smart Alerts & Summaries
Before big moves, Alvin provides clear summaries so you know exactly what will happen, and when.
3. Adaptive Fraud Shield
Powered by AI, Alvin constantly evolves to detect new fraud tactics before they succeed.
4. Cross-Border Intelligence
Alvin leverages xTransNET’s reach to secure the best FX rates and enable fast, low-cost global transfers.
5. Business Automation
From payrolls to supplier settlements, Alvin takes repetitive finance tasks off business teams, ensuring accuracy and saving time.
6. Learning Over Time
Unlike static systems, Alvin grows with you. The more you interact, the smarter it becomes at predicting your needs.
👥 Who Is Alvin For?
Alvin is designed to serve both individuals and businesses.
In both cases, Alvin acts as a financial partner — one that’s available 24/7 and never makes emotional mistakes.
🌍 Why Alvin Matters for the Future of Finance
The financial industry is full of apps and tools, but most still require manual effort. Visa and Mastercard pioneered global payments, but they weren’t built for autonomy.
Alvin represents a new generation of payment networks: one that is intelligent, secure, and user-driven.
Integrated into Paymenex xTransNET, Alvin connects markets across Africa, Europe, and beyond, offering a compelling alternative to traditional card networks.
🚀 The Vision Ahead
Alvin is more than a product — it’s the beginning of a movement toward autonomous finance. A world where your money doesn’t just sit in accounts or wait for your approval, but actively works for you, guided by intelligence and security.
At Paymenex, our mission is simple: to remove friction, build trust, and empower people everywhere. Alvin is our boldest step yet in making that vision real.
Because with Alvin, money doesn’t just move.
👉 It thinks before it moves.
Integrated Product and Service Management
OrbitOS Commerce 1.0 makes it easy to manage inventories, bookings, sales and customer interactions - all from one intuitive dashboard. Whether you're selling physical products, offering professional services, or a mix of both, this platform is designed to simplify and enhance your operations.Omni-Channel Capabilities
Meet your customers wherever they are. With OrbitOS Commerce 1.0, you can unify web, mobile, and in-store experiences to create a seamless journey that boosts customer satisfaction and loyalty.Scalability Built-In
From small businesses to enterprise-level operations, OrbitOS Commerce 1.0 is engineered to grow with your ambitions. Its modular design and advanced infrastructure ensure that your marketplace can handle increasing demands without breaking a sweat.Customizable and Modular
Your business is unique, and so are your needs. OrbitOS Commerce 1.0 allows you to tailor the platform with modular components, extensive customization options, and a rich API framework that adapts to your business model.- Expand your market reach.
- Enhance customer experiences.
- Streamline operations with cutting-edge tools.
- Retail and e-commerce.
- Professional services.
- Hospitality and event management.
- Multi-vendor marketplaces.
We’re thrilled to announce the official release of OrbitOS Commerce 1.0, the ultimate platform for building dynamic, scalable, and user-friendly Electronic Commerce. Whether you’re running a boutique business, managing a large-scale enterprise, or launching a new Marketplace for products and services, OrbitOS Commerce 1.0 has been designed to revolutionise the way you connect with your customers, manage your operations, and scale your business.
What is OrbitOS Commerce 1.0?
OrbitOS Commerce 1.0 is a robust, modular electronic commerce platform that enables businesses to seamlessly manage both products and services across various channels. Designed for versatility, it provides all the tools needed to create a fully customised digital electronic commerce, empowering businesses to unify customer experiences across web, mobile, and in-person interactions.
Key Features That Set OrbitOS Commerce 1.0 Apart
Why OrbitOS Commerce 1.0 is a Game-Changer
In a fast-paced digital world, businesses need tools that are flexible, powerful, and reliable. OrbitOS Commerce 1.0 is not just a software solution; it’s a strategic partner designed to help you:
Who is OrbitOS Commerce 1.0 For?
OrbitOS Commerce 1.0 is perfect for businesses in various industries, including:
Whether you’re launching a new marketplace or upgrading an existing one, OrbitOS Commerce 1.0 delivers the innovation and reliability you need to thrive in today’s competitive market.
Get Started Today
The future of marketplaces starts now. With OrbitOS Commerce 1.0, you can transform your business operations, deliver exceptional experiences, and unlock new growth opportunities.
Are you ready to revolutionise your marketplace? Contact us today to schedule a demo or learn more about how OrbitOS Commerce 1.0 can power your vision.
Unleash the power of an all-in-one platform
We've a robust library of pre-built banking, payment and enabling technologies that can be mixed and matched on-the-fly to build Banks and FinTechs
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