Collect from anybody. Pay anybody. Reconcile everything.

The core

eTranzact Switch

The switching backbone beneath everything we do: processing, routing and connectivity between banks, mobile money operators, card schemes and regional systems such as PAPSS.

For banks, fintechs, institutions and money-transfer operators

Collections

XCEL Collect

Collect from banks and mobile money, identify every payer and reconcile automatically. Reconciliation is the product; payments are the rail. A school knows which student paid, for which term, and where the money is.

For schools, utilities, insurers, MFIs, distributors and businesses

Payouts

XCEL Disburse

Pay any bank account or mobile wallet, single or in bulk, with one consolidated report — salaries, claims, loans, grants and supplier payments.

For fintechs, lenders, insurers, NGOs and money-transfer operators

Cross-border

XCEL CrossBorder

Inbound from the world into African bank accounts, mobile wallets and cards; outbound from Africa to the UK, Europe, China, the USA and across the continent. One integration gives you the corridor.

For consumers, SMEs, corporates, fintechs and money-transfer operators

Cards

XCEL Card-as-a-Service

Global USD Visa cards funded in local currency, issued and distributed through partners — so a fintech, employer or university can give its people a card that works worldwide.

For fintechs, banks, employers, travel businesses and universities

Fintech-as-a-Service

XCEL Embedded

One API for wallets, collections, payouts, bank and mobile money connectivity, ledger, reconciliation, reporting and webhooks — with cards and cross-border as add-ons. Our partners keep their brand.

For fintechs, digital lenders, marketplaces and non-financial businesses

Workplace credit

FWP

Embedded, salary-secured credit for employees, funded by partner banks. We originate, collect and service, so employers can offer their people fairer credit.

For employers and lending banks