NjiaPay has raised $2.1 million in seed funding to expand its payment orchestration platform across Africa, which was led by Newion. The company said the capital will be used to expand engineering and commercial teams, strengthen integrations and scale operations across the continent.
NjiaPay was spun out of Talk360 in Dec. 2024 as a standalone business. The company previously raised $1 million in pre-seed funding in Jan. 2025.
NjiaPay provides payments-as-a-service infrastructure that sits on top of a merchant’s payment service provider stack. Through a single API, the platform routes transactions across multiple providers in real time.
The system analyzes performance data and directs transactions to the best-performing provider to increase payment success rates.
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The platform also aggregates reporting and performance data into a single dashboard.
Clients include Talk360, Anytime Fitness and Melon Mobile.
Merchants operating in African markets often rely on several payment service providers to support different payment methods and maintain redundancy.
NjiaPay coordinates these providers rather than replacing them, helping businesses manage complexity in fragmented payment environments.
The company said the new funding will support product development and regional expansion.
Key Takeaways
Payment orchestration is emerging as a key layer in Africa’s digital payments infrastructure as businesses integrate multiple payment providers to support local payment methods and improve transaction reliability. Merchants often rely on several providers to maintain redundancy and reach users across mobile money, card networks and bank transfers, but this creates operational complexity and fragmented reporting. Payment orchestration platforms address this by routing transactions dynamically through different providers using a single API, allowing businesses to improve approval rates while simplifying integration and monitoring. These systems can also reduce payment failures, which are common in subscription businesses due to expired cards or provider outages. As digital commerce grows across African markets, infrastructure tools that coordinate payments across providers are becoming important for improving transaction performance and enabling companies to scale across different payment ecosystems.
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