For small and medium-sized businesses in emerging markets, even a great product often isn’t enough to scale. Many struggle with payment collection—a bottleneck that delays growth and creates unnecessary operational stress. From manual bank transfer verifications to the persistent threat of fraudulent “fake alerts,” the friction in receiving payments remains one of the biggest hurdles for digital commerce. Payaza Africa created Chat & Pay to address that by turning WhatsApp into a high-speed payment channel.
The launch of Chat & Pay provides businesses with a dedicated WhatsApp number supported by an automated, intelligent checkout experience. Instead of forcing customers to navigate away to external apps or websites, merchants can now receive payments directly within the chat where the transaction began.
The impact of this integration is immediate. Payments are verified in real-time, helping businesses improve their cash flow and eliminate the manual labor of chasing receipts. By automating the verification process, Payaza is protecting merchants from revenue leakage and building a more secure environment for digital trade.
“With the Chat & Pay feature, businesses no longer have to chase payments or verify transactions manually,” said Philips Akinyele, Chief Technology Officer at Payaza Africa. “We are giving them a faster, more reliable way to get paid.”
The solution is specifically designed to meet the needs of the modern merchant, ensuring that as conversational commerce grows, the payment infrastructure grows with it. By reducing the time between a “hello” and a “paid,” Payaza aims to enhance trust and efficiency for thousands of businesses across its markets.
About Payaza
Payaza is a leading African fintech company that provides innovative payment solutions to small and medium-sized enterprises (SMEs) and large corporations across four continents. With operations spanning Africa, Europe, North America, and the Middle East, Payaza is dedicated to promoting financial inclusion and driving economic growth through technology-enabled financial services. The company maintains the highest standards of financial governance and operational excellence while scaling sustainable fintech solutions across emerging and developed markets.
