Payments & fintech
Mobile money, card and bank integrations with wallets, reconciliation and KYC flows that meet local regulation.
M-PesaSTK push · C2B · B2C
MoMoCollections · payouts
Cards3-D Secure · tokens
WHAT WE DOSoftware, cloud and data for Africa
Building Africa’s digital future
We design, build and run software for African businesses and institutions. Products that work on any phone and any network, and scale with your customers from Lagos to Nairobi.
Web & mobileCloud & DevOpsPayments & USSDData & AI
$ nufora ship --app payments-api --regions africa
- Lagosaf-west18 ms ✓
- Nairobiaf-east22 ms ✓
- Kigaliaf-central27 ms ✓
- Johannesburgaf-south20 ms ✓
- Accraaf-west-224 ms ✓
● live in 5 regionsM-Pesa · MoMo · cards
Capabilities
One team, from first sketch to scale.
Strategy, design, engineering and operations under one roof. We stay with you after launch and keep your product fast, secure and growing.
Payments services
Mobile apps
Android-first apps that stay light on data and sync when the network returns.
Web platforms
Fast, accessible portals and SaaS products that load quickly on modest connections.
Cloud & DevOps
Infrastructure in African regions, automated delivery and 24/7 monitoring.
Security
Pen testing and data protection aligned with NDPA, Kenya’s DPA and POPIA.
Data & AI
Dashboards, pipelines and practical AI, including models that work in Swahili, Hausa, Yoruba and Amharic.
Not sure where to start?
Book a free 30-minute call. We’ll help you scope the problem and suggest the simplest path to launch.
Built for Africa
Designed for the way the continent connects.
Most of your customers use a phone, often on a prepaid plan, sometimes without data. We build for that reality from day one.
*384*22#
Welcome to AgriPay
1. Check balance
2. Pay supplier
3. Buy inputs on credit
4. Weather & prices
Welcome to AgriPay
1. Check balance
2. Pay supplier
3. Buy inputs on credit
4. Weather & prices
Reply: 3
Every customer, every phone.
A smartphone app for some users, USSD and SMS for others, all on one shared backend.
- Works on feature phones without data
- One account across app, web and USSD
- Local languages and currencies built in
2G+
Low-bandwidth first
Small page weights and graceful loading on slow networks.
Offline
Sync when connected
Field teams keep working without signal; data syncs safely later.
KES·NGN
Multi-currency
Pricing and settlement in KES, NGN, GHS, ZAR, RWF and more.
In-region
Data residency
Hosting in African regions to meet local data laws.
How we work
From idea to launch in four stages.
Short cycles, working software every two weeks, and one point of contact who knows your business.
Discover
We meet your users and map the problem, market and constraints.
1–2 weeksDesign
Prototypes tested with real customers before production code.
2–4 weeksBuild
Agile sprints with a live demo at the end of every one.
8–16 weeksLaunch & grow
Go-live support, monitoring and a roadmap for what’s next.
OngoingClient stories
What our clients say.
We measure success by what changes for our clients’ customers. All client stories
SampleThese testimonials are placeholders to show the layout. Replace them with real, approved client quotes before going live.
“We went from a paper-based process to a USSD and app service that farmers in three counties use every day. The team understood rural connectivity better than anyone we spoke to.”
WK
Wanjiru KamauHead of Product, agritech cooperative
“Nufora rebuilt our payments stack around M-Pesa and cards. Reconciliation that took a week now runs overnight, and our finance team finally trusts the numbers.”
TA
Tunde AdeyemiCTO, digital lending company
“They shipped a working prototype in three weeks and tested it with real patients in the clinic. Everything was clear: scope, cost and what happened every sprint.”
AU
Dr. Aline UwaseProgramme Director, health NGO
Our team
The people behind the work.
Engineers, designers and strategists who grew up with the markets they build for. Meet the whole team
SampleNames, photos and bios are placeholders. Swap in your real team before publishing.
AO
Chief Executive Officer
Amara Okonkwo
Sets strategy and leads client partnerships across the continent.
DO
Chief Technology Officer
David Otieno
Leads architecture and engineering standards for every product we ship.
FB
Head of Product Design
Fatima Bello
Runs user research and design, from field interviews to final UI.
JH
Head of Cloud & DevOps
Jean-Paul Habimana
Owns infrastructure, reliability and our 24/7 operations team.
Let’s build together
Ready to build what’s next?
Tell us about your idea. You’ll hear back within one business day with next steps and a rough timeline.