PAYOS WORKING CAPITAL & EMBEDDED FINANCE
Finance Embedded
Where Business Happens
PayOs Solutions Limited builds Africa-first financial infrastructure that enables banks, fintechs, merchants,
insurers, SMEs, and governments to distribute financial services at scale, profitably and compliantly.
All PayOs products are powered by OneWallet, our Pan-African, multi-currency wallet infrastructure that works
seamlessly across African countries.
Product
Overview
PayOs Working Capital & Embedded Finance provides instant, data-driven financial services embedded directly into merchant
transaction flows.
Using real-time data from POS, softPOS, OneWallet, and PayOs BusinessHub, PayOs enables merchants and SMEs to
access working capital without traditional collateral.
Financial Products Offered
Here are some features that we offer for this product
Merchant cash advances
Short-term working capital loans
Inventory & supply chain financing
BNPL (Buy Now Pay Later)
Embedded savings & investments
Distribution Channels
Key demographic this product has been tailored specifically to
Retail merchants
Informal sector businesses
High-volume agents
SMEs underserved by banks
Key Features
Here are some features that we offer for this product
Automated credit scoring models
Seamless payment via your mobile devices
Instant loan approvals
Start accepting payments in minutes.
Dynamic credit limits
PCI-DSS compliant with encrypted transactions.
Auto-repayment from daily sales
Designed for real local business needs.
Risk-based pricing & monitoring
PCI-DSS compliant with encrypted transactions.
Why It Stands Out
Designed for Africa. Built to Scale.
No heavy paperwork or collateral
Uses real transaction data
Lower default risk
Highly scalable across Africa
Our Revenue Model
Here are some features that we offer for this product
Interest & fee income
Revenue sharing with lenders
Loan origination & platform fees
