NjiaPay, a payments performance platform helping African businesses improve payment reliability and revenue, announced that it has raised $2.1 million in seed funding. The round was led by European B2B SaaS investor Newion.
The funding follows a period of commercial traction for the company, during which it expanded its merchant base across high-growth startups and established global franchises including Talk360, Anytime Fitness, and Melon Mobile.
Founded to address the fragmented payments infrastructure across Africa, NjiaPay enables businesses to manage multiple payment service providers through a single orchestration layer. Companies operating across the continent often rely on several PSPs to maintain authorization rates and offer local payment methods, which can create operational overhead, technical complexity, and reconciliation challenges.
NjiaPay addresses these issues by acting as a central control tower for a merchant’s payment stack. Through a single API, the platform intelligently routes transactions in real time and aggregates data from multiple providers into a unified dashboard. This approach is designed to improve approval rates and eliminate the need for manual reconciliation across different payment systems.
The platform’s impact has been demonstrated through its work with Talk360, an international calling application used by millions of users globally. After integrating NjiaPay’s orchestration technology, Talk360 consolidated six PSP integrations into one and improved checkout conversion rates in key markets.
The company plans to use the new funding to expand its engineering and commercial teams as it continues building solutions for merchants operating in Africa’s rapidly growing digital economy.
A key focus area will be the subscription and recurring payments sector, where transaction failures remain a persistent challenge. According to the company, approximately one in five recurring payments fail due to expired or stolen cards, leading to lost revenue and customer churn.
To address this issue, NjiaPay is introducing infrastructure tools such as Card Account Updater to the South African market. The technology automatically refreshes stored card credentials when cards expire or are replaced, reducing involuntary churn and improving payment success rates.
By bringing global payments infrastructure capabilities to local markets, NjiaPay aims to help African digital businesses scale without being constrained by fragmented payment systems.
KEY QUOTES:
“NjiaPay has taken on the complexity of the African payment ecosystem, allowing Talk360 to focus on growing its business. They are a true partner, and the results speak for themselves.”
Hans Osnabrugge, CEO Of Talk360
