Abridgebetweenbankcardsandmobilemoney.
Sending money, collecting payment from a customer, topping up an account: every payment method still runs in its own silo. NaziaPay connects bank cards, mobile money, e-wallets and bank accounts in a single application, relying on partnerships with licensed payment aggregators across West Africa.
The money already exists everywhere. What is missing is a bridge that lets it move without friction.
NaziaPay is not trying to replace existing payment rails — mobile money, cards, bank accounts. It connects them. The same logic NOVORA applies to code and LuxMail applies to email: own the orchestration, rely on specialised, licensed partners for the regulated execution.
The problem
What NaziaPay wants to change.
Three frictions anyone juggling several payment methods faces across West Africa, in the UEMOA zone.
A mobile money account on one side, a bank card on the other, with no simple bridge between the two.
→One wallet that receives and sends from a card, mobile money and a bank account.
A merchant forced to multiply terminals and accounts to accept every payment method.
→One collection point, whatever payment method the customer uses.
Transfers that stop at the border of a single operator or a single country.
→Infrastructure designed from the start to extend across the whole UEMOA zone.
How it connects
Four rails, one entry point.
NaziaPay is not a fifth payment method: it is the layer that makes the other four talk to each other.
Hover a rail to see how it connects to the rest.
What NaziaPay will enable
Four everyday uses.
The features planned for launch — built, not yet open to the public.
Top up your wallet
By bank card (Visa / Mastercard) or mobile money, in seconds.
Transfer across every rail
Mobile money, e-wallet and bank account, without going through a third party each time.
Collect payments easily
For merchants and very small businesses, one collection point for every payment method their customers use.
Expand across the UEMOA zone
The architecture is designed from the start for the whole UEMOA zone, not for a single national market.
Rigour and compliance
We are not building NaziaPay alone.
A payment bridge is not improvised. NaziaPay relies on licensed payment aggregators for the regulated execution, and applies the same security principles internally as the rest of the group.
NaziaPay is not itself a licensed payment institution today. It operates, and will operate, through partners who are — that is the very structure of the bridge we are building.
No card data stored by us
Bank card data processing belongs to the licensed aggregators NaziaPay integrates with — not to our infrastructure.
The same security agent as NOVORA
The team that audits NOVORA’s code — injection, exposed secrets, authentication, CORS — applies the same checklist to NaziaPay’s code before any deployment.
Data minimisation by design
The same rules published in our security policy: no data collected without a written purpose, none kept without a defined period.
Compliance built alongside, not after
The regulatory file is built in parallel with the product, with our licensed partners — not bolted on once the product is finished.
Status
Where NaziaPay stands today.
The same transparency as for NOVORA and LuxMail: what is done, what remains.
Architecture and partnerships
Technical architecture design and ongoing discussions with licensed payment aggregators across the UEMOA zone.
Product build
Development of top-up, transfer and collection features, with the same rigour as NOVORA and LuxMail.
Regulatory file
Compliance file built with our licensed partners, a prerequisite before launch.
Launch across West Africa
Gradual rollout across the UEMOA zone, first to individuals and merchants, in the coming months.
Who it is for
Three audiences, one infrastructure.
NaziaPay is built for people who move money every day, and for those who make those movements possible.
Individuals
A wallet that talks to their card and their mobile money, without juggling several apps.
Merchants and small businesses
A collection flow that accepts every payment method their customers use, without multiplying accounts.
Aggregators and payment partners
A rigorous technical integration, run by a team already holding NOVORA and LuxMail to verifiable security standards.
Aggregators and partners
Do you operate a payment rail in West Africa?
NaziaPay is looking for partnerships with payment aggregators, mobile money operators and banking institutions licensed across the UEMOA zone. We bring a technical team already holding NOVORA and LuxMail to verifiable security standards, and a clear ambition: industrialise one product at a time, without rushing.
The bridge is under construction. Let’s talk before it opens.
Whether you are a payment aggregator, a potential partner, or simply curious about what is next, write to us — the form offers “Partnership” as a dedicated subject.
Product in development, operated by Axelonia.