Lipa Payments is a fintech company transforming merchant payments across Africa through its SoftPOS technology—a secure and cost-effective solution that turns smartphones into contactless payment terminals. By leveraging Near Field Communication (NFC) capabilities, Lipa eliminates the need for dedicated POS hardware, enabling enterprises and SMEs to accept tap-to-pay card transactions using Android mobile devices.
Designed for scalability and financial inclusion, Lipa Payments empowers banks, acquirers, telcos, and payment service providers to expand merchant acceptance affordably across formal and informal markets.
Key Products
- SoftPOS Application – tap-to-pay mobile app that accepts contactless Visa, Mastercard, and NFC-enabled cards
- White-Label SoftPOS SDK – APIs and SDKs for banks, fintechs, and PSPs to integrate into their merchant apps
- Acquirer Integration Layer – compliant with EMVCo and PCI standards for direct integration with acquiring banks
- Real-Time Transaction Reporting – dashboards for monitoring merchant activity, settlements, and trends
- PIN on Glass Support – enhanced security for higher-value transactions using mobile screen PIN entry
Core Services
- Merchant Onboarding Platform – digital KYC, activation, and lifecycle management
- White-Label Customization – branding and feature customization for banks and aggregators
- Certification & Compliance Support – EMV, PCI CPoC, and scheme-compliance advisory
- Deployment & Field Support – rollout strategies for large-scale merchant acquisition
- Training & Enablement – merchant education and channel partner training tools
Target Customers
- Acquiring banks and payment service providers
- Digital wallet operators and super apps
- Micro, small, and medium enterprises (MSMEs)
- NGOs, cooperatives, and informal merchant groups
- Retail, logistics, and field sales teams
Relevance to African Markets
Lipa Payments addresses Africa’s need for affordable, scalable merchant acceptance infrastructure, enabling merchants in Kenya, South Africa, Nigeria, and Ghana to accept card payments using only their mobile phone. This supports financial inclusion, agent banking, and cashless ecosystem growth across urban and rural markets.
Website: https://www.lipapayments.com
