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eTranzactGlobal

Payment infrastructure · since 2003

The quiet rails
Africa runs on.

eTranzact Global connects banks, mobile money operators and payment systems across Africa — and links Africa to the world. Built in Africa. Working since 2003.

Explore the platformRead the founder’s story
LONDONLAGOSACCRAFREETOWNYAOUNDÉKAMPALAKIGALIJOHANNESBURGDUBAI→ CHINAUSA ←
650Mtransactions processed across the eTranzact group in 2025
US$89bnvalue moved across the eTranzact group in 2025
23 yearsbuilding payment infrastructure, since 2003
PAPSSparticipant in the Pan-African Payment and Settlement System

Why it matters

Africa moves enormous value. Too much of it still moves slowly, and at a cost.

Sub-Saharan Africa remains the most expensive region in the world to send money to. The flows are vast, and they are moving onto instant rails now. The question is whose rails they will run on.

8.78%average cost of sending US$200 to sub-Saharan Africa, against the UN’s 3% targetWORLD BANK · Q1 2025
US$56bnin remittances received by sub-Saharan Africa2024 · [SOURCE]
US$214bnin intra-African trade, much of it still settled offshore2025 · [SOURCE]
US$1.4tnin mobile-money value — the wallet is where Africa transacts2025 · [SOURCE]

What we build

One integration. Every bank, every wallet, every corridor that matters.

We build the infrastructure behind the transaction — so banks, fintechs, businesses and governments can serve their own customers under their own brands.

01

Instant corridors to the world

Live instant rails between Africa and the UK, Europe, China and the USA — with the UAE coming next.

02

Payments that land in wallets

Cross-border flows that terminate in mobile money as easily as in bank accounts — because that is where Africa transacts.

03

Embedded finance for everyone

Wallets, payouts, cards and workplace credit, delivered through partners under their own brand.

04

The institutions rails forgot

Connecting MFIs, SACCOs and credit unions to each other and to the wider system, on infrastructure they could never afford alone.

The product family

All products
eTranzact SwitchProcessing, routing and connectivity between banks, wallets and payment systems.XCEL CollectCollect from banks and mobile money, identify every payer, reconcile automatically.XCEL DisbursePay any bank account or wallet, one at a time or in bulk, with one report.XCEL CrossBorderSend into Africa and out to the world, landing in banks, wallets or cards.XCEL Card-as-a-ServiceGlobal USD Visa cards, funded in local currency, issued through partners.XCEL EmbeddedWallets, payouts, ledger and reconciliation through one API, under your brand.FWPEmbedded workplace credit for salaried workers, funded by partner banks.

All products

Developed by eTranzact. Owned by eTranzact Global, which holds all eTranzact IP, patents and trademarks.

The network

From connecting banks to connecting economies.

Every bank in Nigeria, Ghana and Sierra Leone is reachable through our rails. Mobile money operators are connected in five countries. As a PAPSS participant, we terminate pan-African payments in our markets and let partners send into PAPSS countries.

See the full network
Operating
Nigeria · Ghana · Uganda · Sierra Leone · Cameroon (NPSI)
Passporting
Rwanda, through Ghana
Partner reach
Kenya · Tanzania · South Africa · Zambia
Global corridors
United Kingdom · Europe · China · United States · UAE (in progress)
Next frontiers
Kenya · Tanzania · South Africa · Ethiopia · Egypt
Dr. Valentine Obi, Founder and Group CEO of eTranzact

From the founder

“In 2003, we saw the future of payments before much of the market was ready for it. We spent the following years building the infrastructure and proving the vision. Today, our ambition is to connect Africa to the world. And after 23 years, I believe we are only just beginning.”
Dr. Valentine ObiFounder and Group CEO
Read the story, 2003 to now

Who we serve

Infrastructure for the institutions that serve Africa.

Banks & financial institutionsReach every bank and wallet in our markets, and the world beyond, through one connection.FintechsLaunch across countries without years of separate bank and mobile money integrations.BusinessesCollect, pay and reconcile at home, and pay suppliers across the world.Governments & regulatorsNational switching and formal, traceable flows on licensed rails.MFIs, SACCOs & credit unionsConnection to rails they were locked out of, and to each other.

Leadership

Regional depth. One group.

Meet the team

East Africa

Evode RusagaraUganda · Rwanda · Kenya · Tanzania

West Africa

John ApeaNigeria · Ghana · Sierra Leone

SADC

Rotimi AdebanjoSouth Africa · Zambia

Build on the rails Africa runs on.

Talk to usFor developers