A compelling alternative to Visa and MasterCard...
Global Low-Cost Payments Network Imagine It. Build It.
...with a robust library of pre-built digital banking, multi-level agency network, payments and fintech enabling technologies that can be mixed and matched on-the-fly to build 5x better Banks and FinTechs in days.
Talk to an Expert View All SolutionsTransform 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
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:
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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.”
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:
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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.
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.
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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.
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.
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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.
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.
Payments-as-a-Service (PaaS) is becoming increasingly popular in some countries, particularly in the United States, Canada, most parts of Europe, and in the Asia region. It's projected that it will become more mainstream in 2030.
Payments-as-a-Service (PaaS) Industry Trends
Based on the GlobalView Research report, the PaaS market size valued at US$ 13.88 billion in 2022. The market is projected to increase at a compound annual growth rate (CAGR) of 15.2% from 2023 to 2030.
Advances in technology and the growing demand for digital payment methods are major driving forces of PaaS in the global market. COVID-19 has also intensified the behaviour of both consumers and businesses in paying for their goods and services.
With PaaS, companies have a number of options to process payments on their transactions. Financial institutions can use this system to make their customers' lives easier when paying bills or making other payments with merchants. But how important is PaaS in financial technology organisations?
The Importance of PaaS in your Fintech Company
Payment-as-a-service solutions are designed to provide a more personalised customer experience by enabling financial institutions to customise and configure their services to meet the needs of their customers.
As more and more people are getting comfortable with digital payments, companies are now building new payment-as-a-service (PaaS) solutions to help them spend their money more smartly. Next, we’ll discuss why PaaS is important for your financial institution:
1. Helps Your Fintech to be Cost-Effective
Building a payment processing infrastructure from the ground up can be costly and time-consuming. PaaS suppliers provide a cost-effective solution for fintech organisations by granting access to payment processing capabilities without requiring huge upfront investments.
2. Supports Your Global Payments Processing
PaaS providers can enable organisations to handle payments in numerous currencies and across borders, which is especially significant for businesses with global customers.
3. Increased Customer Trust and Confidence
PaaS suppliers frequently feature extensive fraud protection and security measures, which can help organisations create confidence with their consumers while protecting against financial loss.
4. Provides valuable customer data and insights
PaaS providers can provide useful data and insights into consumer payment behaviour, allowing businesses to streamline payment processing and boost customer retention.
5. Keeps Your Business Scalable and Flexible
As fintech companies expand, they must be able to handle the rising transaction volumes. A trusted and professional PaaS third-party provider offers scalability and flexibility for increasing demand for PaaS solutions.
Conclusion
In conclusion, Payments-as-a-Service (PaaS) is a vital component for many organizations, particularly fintech firms, because it provides cost-effective, scalable, and fast payment processing capabilities while allowing businesses to focus on their core goods and services. PaaS providers offer many benefits such as better customer data and insights as well as increased consumer trust.
Our expert PaaS team ensures that your payment platforms are designed with your company's needs in mind, meaning that your payment infrastructure will be simple and easy to use. We'll set up everything from the point of sale to the back-end processing so you don't have to worry about anything at all! For more information, get in touch
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
Speak to an Expert