Solutions
Made for how Africa pays.
Different sectors pay on different rails. A market stall runs on taps and transfers, a bus on taps with no signal, a bank on agents and cash, a utility on bills paid from feature phones. PediWave meets each one where its customers are, online or not.
Solutions by sector
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Retail & markets
Sell when the network is down. Settle when it's back.
Offline taps at the stall, QR and transfers at the till, one settlement for the day.
- Transfer
- QR
- Offline tap
- USSD (coming)
- Agent cash (coming)
-
Transit
Collect every fare, even where the route has no signal.
Passengers tap the conductor's POS from your app; fares settle when the bus reaches signal.
- Wallet
- Offline tap
-
Banks & MFBs
Agent banking that keeps working offline.
Cash deposits and withdrawals at the POS, cash-out codes for customers without a smartphone, floats that reconcile with your core.
- Wallet
- Agent cash
- POS
- Offline tap
- USSD (coming)
-
SaaS & subscriptions
Recurring revenue that survives month-end.
Subscriptions on direct debit, wallet autodebit and invoices, with saved cards coming, and retries timed to payday.
- Transfer
- Wallet
- Card (coming)
- USSD (coming)
- Mobile money (coming)
-
Marketplaces & platforms
One payment, many settlements.
Onboard sellers with BVN, NIN and CAC checks, split every payment, take your fee.
- Transfer
- QR
- Wallet
- Card (coming)
- USSD (coming)
-
Utilities & pay-TV
Bills paid from any phone.
Bills by SMS with a pay link and an account number, transfers that match the bill, and cash at an agent coming.
- Transfer
- USSD (coming)
- Mobile money (coming)
- Agent cash (coming)
-
Cooperatives & savings groups
Dues and contributions, even in the village.
Members pay each other phone to phone with no signal, from purses the cooperative issues.
- Wallet
- Agent cash (coming)
- Offline tap
Chips with a dashed border are coming to PediWave.
What every sector gets
The same foundation, whatever you sell.
One integration.
One payment object for every rail, one status machine and one signed webhook. A sector page changes which rails you switch on, never how you build.
DevelopersChecks on every payment.
KYC tiers and limits, fraud screening on every movement of money, and sanctions screening on every customer. Card data stays in a PCI-scoped vault, and every refusal comes back with a reason code.
Security & complianceSettlement you can plan around.
Every rail settles into one balance, paid to your verified bank account the next business day by default, or the same day on request. Offline taps are dated at the moment of the sale.
Payouts & transfersQuestions about solutions
My sector is not listed. Can PediWave still work for us?
Can one business use more than one solution?
Do we need offline payments to use PediWave?
Is pricing different by sector?
Tell us about your business.
How your customers pay today, where the network fails you, and what you want to change. We reply within one business day.