Mission
Making Africa's B2B transactions reliable
PentaPay is on a mission to power Africa’s business growth by making B2B payments faster, reliable, and more inclusive.
We help merchants and SMEs verify customers, offer credit confidently, and automate collections using AI, so they can grow without chasing payments.
By driving financial inclusion and resilience in underserved markets, we’re contributing to a stronger, more connected economy across the continent, aligned with SDG 8, SDG 9, SDG 1O & SDG 5.
01
FMCG & Wholesale Distribution
This sector involves thousands of distributors and micro-retailers who transact daily on tight margins, with a high dependency on informal credit and mobile payments.
Key Pain Point: Distributors offer goods on credit without data, risking defaults and slow payments.
03
Education
PentaPay provides a smarter way to manage school fees by allowing parents to pay in structured, flexible installments. Our system automates invoicing, tracks payments in real-time, and ensures schools receive steady cash flow without chasing families.
Key Pain Point: Schools can vet parents, and parents can ease payment pressure
For Banks
Let's Talk, You Integrate,
We Deliver
PentaPay unlocks real-time credit data and transaction insights to help banks finance B2B payments with confidence. But we also help our banking partners integrate our AI-enabled auto-debit infrastructure into the bank's collections solutions.
What We Provide
01
Verified Customer Onboarding (KYB)
Merchants can digitally onboard and verify B2B customers (retailers, farmers, contractors) using the Penta Score This helps eliminate fraud, reduce risky credit exposure, and build a trusted client base.
02
Embedded Access to Credit for Merchants
PentaPay empowers merchants not just to extend credit, but to receive it themselves from banks and lenders.
03
Automated Invoice Management
Instead of chasing payments manually, merchants benefit from PentaPay’s Agentic-AI collection engine, which sends SMS, WhatsApp, and email reminders, improving recovery rates while saving time and staff costs.
04
Real-Time Receivables Dashboard
Merchants get a clear overview of all outstanding payments, due dates, customer repayment history, and risk profiles. This makes it easier to make credit decisions, plan inventory, and access financing.
05
Invoice Insurance & Risk Mitigation
PentaPay enables merchants to insure their invoices against non-payment or late settlement, especially in high-risk sectors like construction or agro-trade.
PentaPay’s system can flag high-risk invoices based on PentaScore and automatically recommend insurance coverage or reserves.
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