Non-custodial payment orchestration

Payment infrastructure for Africa's informal economy

ReePaya helps informal businesses build verified financial identities through digital payments, orchestrating licensed banks, gateways and payout rails into one interoperable platform.

MVP live at reepaya.vercel.app — v0.1.0

0Custody of customer funds
1Orchestration platform
Interoperable rails
Licensed bank
ReePaya orchestration
Payout destination

// funds move directly — ReePaya never touches them

"Payments settle directly to your chosen payout destination through licensed financial partners. ReePaya never holds, stores, or controls customer funds."
Non-custodial by design
Active partners

Live today

Organisations with a current, active relationship with ReePaya.

Business banking

FNB

Cash-in infrastructure

OTT Voucher
Proof of concept · live pilot

Built for the taxi industry

Accept fares digitally. No hardware. No monthly fees. Track daily income and build a verified financial profile in 90 days.

  • Accept fares via QR or USSD
  • Same-day settlement to your bank account
  • 90 days of verified income unlocks working capital loans
Apply for the Pilot →
Taxi association pilot

Fare to financial profile

01 — Driver accepts fare via QR or USSD
02 — Funds settle same-day to bank account
03 — Income history builds automatically
04 — 90 verified days unlock working capital

No ID? No problem. Users with no identification can transact using a 1Voucher PIN — no bank account, no smartphone, no app required.

Architecture roadmap

Designed for interoperability

The categories of infrastructure ReePaya's platform is architected to connect to. Listed items represent design scope, not active partnerships.

□ = planned integration category · not yet active
Licensed banks

Regulated custodians securing every payout destination.

FNB
Standard Bank
Absa
Nedbank
Capitec
Payment gateways

The rails that move approved transactions across networks.

Stitch
Ozow
Peach Payments
PayFast
National payment rails

Country-level infrastructure connecting banks and wallets.

PayShap
Instant EFT
RTC
Card networks

Global acceptance for card-based payments.

Visa
Mastercard
Mobile wallet & payout services

Cash-out options built for how Africa actually gets paid.

eWallet
CashSend
Mobile Money
Merchant ecosystem

The businesses ReePaya was built to serve.

Taxi associations
Informal traders
Street vendors
SMEs
Consumer ecosystem

Every user, regardless of banking status.

Banked users
Unbanked users
Migrants
Cross-border infrastructure

Extending verified identity beyond one border.

SADC payment corridors
Mobile money networks
Licensed remittance partners
One connected system

The ReePaya ecosystem

Every layer plugs into the next through a single orchestration platform.

01
Licensed banks
Regulated custody of funds
02
Payment gateways
Transaction routing
03
National payment rails
PayShap · Instant EFT · RTC
04
Card networks
Visa · Mastercard
05
Wallets & mobile payout
eWallet · CashSend · Mobile Money
06
Taxi associations
Transport operators
07
Merchants
Informal traders · SMEs
08
Consumers
Banked · unbanked · migrants
09
Cross-border payouts
SADC corridors · remittance
One orchestration platform. One interoperable ecosystem.
Who's building it

Our team

Erickson M. Baya

Erickson M. Baya

Founder, CEO & Product Lead
Mulovhedzi Gidimisani

Mulovhedzi Gidimisani

Managing Director
Corporate Affairs & Compliance
Samuel Gicho

Samuel Gicho

Technical Co-Founder
Advisors
Monametsi Olebile

Monametsi Olebile

Strategic Advisor
SADC Market & Partnerships
Otsile Nchingane

Otsile Nchingane

Strategic Finance & Growth Advisor
Robert Mutai

Robert Mutai

Strategic Advisor
East Africa | Diaspora Market
Watata C. Nyambura

Watata C. Nyambura

Legal Advisor
Positioning

ReePaya is a non-custodial payment orchestration platform built for Africa's informal economy.

We connect licensed financial infrastructure to merchants, transport operators, informal businesses and consumers, enabling secure digital payments while helping businesses build verified financial identities.

ReePaya does not replace banks or payment providers. It orchestrates them through one unified, interoperable platform.