Financial infrastructure for Africa
Financial systems should interoperate by default.
PulaPay is the payment orchestration and interoperability layer connecting banks, mobile-money operators and payment infrastructures across domestic and cross-border payment ecosystems.
01 / The fragmentation problem
Independent systems. Shared opportunity.
Africa’s financial infrastructure evolved across independent systems. Banks, mobile-money operators and payment infrastructures have different interfaces, operating models and settlement processes. Bilateral integration adds complexity each time an institution needs to reach another system.
Bank systems
Mobile-Money systems
Payment infrastructures
Independent systems. Shared opportunity.
02 / The interoperability layer
One orchestration layer. Multiple financial systems.
PulaPay connects participating financial institutions and payment infrastructures through a common orchestration layer, expanding the reach of existing financial relationships without requiring institutions to replace the infrastructure they already operate.
Financial institution
Existing customer / account / wallet
PulaPay orchestration layer
Banks
Mobile-money operators
Payment infrastructures
The PulaPay network
03 / What you keep
Keep your customer. Keep your infrastructure. Reach further.
Your customer remains your customer.
Your existing customer relationship stays with your institution.
Your infrastructure remains your infrastructure.
PulaPay connects to the financial infrastructure you already operate and extends its reach across additional payment journeys.
Your institution remains at the centre.
Your operating model, customer relationship and institutional framework remain yours.
Your reach expands.
PulaPay creates additional connectivity across participating banks, mobile-money operators and payment infrastructures.
04 / The customer’s door
Familiar channels. Existing financial relationships.
PulaPay enables customers to access participating payment journeys through familiar channels while remaining connected to the financial institution they already use.
USSD
Existing bank or wallet relationship
Customer access through familiar channels
One governed PulaPay transaction
One transaction. Multiple access channels.
05 / Engineering principles
Built like infrastructure.
01
Attributable
Every transaction is designed to remain identifiable and traceable throughout its lifecycle.
02
Observable
Transaction and system activity are designed for operational visibility.
03
Reconcilable
Transaction records are designed to align with institutional records and settlement information.
04
Governed
Critical transaction activity operates within defined controls and institutional permissions.
05
Channel-independent
Different customer channels can connect to the same underlying payment journey.
06
Regulator-aligned
PulaPay is designed for participation within the regulatory frameworks governing each market.
06 / Institutional audiences
Infrastructure for institutions that move value.
Banks. Mobile-money operators. Cross-border payment institutions. Enterprises. Public-sector institutions. PulaPay helps institutions extend the reach, utility and connectivity of the financial infrastructure they already operate.
07 / Regulatory alignment
Within the framework.
PulaPay is designed for institutional participation within the regulatory frameworks governing payments and financial infrastructure in each market. We engage the relevant institutions and stakeholders as we establish participation across new markets and corridors.
Institutional participation
The future of African finance is not more payment rails. It is interoperability.
Discuss your institution’s systems, customer journeys and participation requirements with PulaPay.