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NjiaPay

Your Payment Performance Partner.

Basic Information

NjiaPay is a South African-founded payment management and orchestration platform designed to simplify how African businesses handle multiple payment providers (PSPs). Instead of being a PSP itself, it acts as a “control tower” that sits above your existing payment systems to optimize performance.

Founder Name
Jonatan Allback
Role
CEO
LinkedIn URL
https://nl.linkedin.com/in/jonatan-allback
Location
Innovation City, Cape Town, South Africa.
Revenue Range
Pre-revenue
Startup Stage
Idea
Business Model
B2B
Funding Status
Bootstrapped
Product & Offering
NjiaPay provides a payment management and orchestration platform that acts as a central control tower for a business's online payment stack. Its primary service is to unify multiple payment service providers (PSPs) into a single, high-performance integration.

Core Services
Intelligent Payment Routing: Uses AI and real-time data to automatically send each transaction to the payment provider most likely to succeed, maximizing successful checkouts.
Unified Checkout Experience: Consolidates various payment methods, including cards, mobile money, and bank transfers, into one streamlined, branded flow for customers.

Centralized Analytics & Reporting: Aggregates fragmented data from all connected PSPs into a single dashboard, providing a "unified source of truth" for tracking revenue and performance.
Automated Reconciliation: Simplifies month-end financial tasks by generating comprehensive reports across all providers, reducing manual operational load.
Subscription & Churn Management: Specifically supports recurring billing and includes tools like a Card Account Updater to automatically refresh expired card details and reduce failed charges.

Strategic Benefits for Merchants
Increased Conversions: By optimizing routes and methods, businesses like Talk360 have seen up to a 25% increase in checkout conversion rates.
Operational Simplicity: Replaces multiple individual integrations with a single API, allowing businesses to add or switch providers without extensive new coding.
Redundancy: If one payment provider goes down, the system automatically redirects transactions to a backup provider, ensuring business continuity
Key Features
PCI-DSS Level 1 Compliance, 3D Secure (3DS) Authentication, End-to-End Encryption (E2EE), Tokenization, AI-Powered Fraud Detection, Real-Time Risk Scoring, Multi-Factor Authentication (MFA), DDoS Protection, Secure API Gateways, Web Application Firewall (WAF).

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