Creating innovative solutions for Africa
Each of our groundbreaking products is meticulously designed to amplify and drive advancement within the African technological landscape.
Transact hassle-free with AppiaPay
AppiaPay opens you to a world of ease in sending and receiving money, transacting seamlessly with vendors and paying for utilities in seconds.
Receive payments seamlessly with SmartPay
Appia SmartPay is a fast, easy and secure way to receive payments from your customers.
Receive payments seamlessly with SmartPay
Appia SmartPay is a fast, easy and secure way to receive payments from your customers.
Banking-as-a-Service (BaaS)
At Appiawave, we provide a powerful Banking-as-a-Service platform that enables businesses, fintechs, and institutions to create and scale financial products without the burden of building infrastructure from scratch.
Through our API-driven architecture, partners can seamlessly integrate:
- Core Banking APIs – account opening, digital wallets, and transaction management
- Payments Infrastructure – local and cross-border transfers, virtual accounts, card issuing
- Lending Solutions – credit scoring, loan disbursement, BNPL, and collections
Whether you’re a fintech startup or an established enterprise, Appiawave’s BaaS service helps you launch financial products faster, remain compliant, and scale with confidence.
Buy Now, Pay Later (BNPL) as a Service
With Appiawave’s BNPL-as-a-Service, businesses can offer flexible payment options to their customers — buy now, pay later in easy instalments — without taking on the complexity of credit risk management or collections.
Our solution is fully API-enabled, giving retailers, e-commerce platforms, and financial institutions the ability to embed BNPL directly into their checkout or service flow.
Key features include:
- Instant Credit Decisioning – powered by integrated credit scoring partners
- Flexible Repayment Options – instalment plans tailored to customer needs
- Automated Collections – seamless repayment tracking and reminders
- Merchant Dashboard – real-time visibility into sales, repayments, and customer behaviour
- Compliance & Risk Management – we handle KYC, AML, and reporting
With Appiawave, you can increase sales, boost customer loyalty, and expand access to credit — all through one secure platform.
Appia Technologies is creating innovative solutions across Africa
We are actively working to continually develop technological solutions and innovations that enhance the quality of life for people in Africa.
