We're powering
financial solutions,
in emerging markets.
Terra provides WaaS™ - An all-in-one payments, credit-scoring, ID verification, and digital wallet platform for businesses and their customers.
Trusted by 100+ businesses across Africa
.png){kind=spacer}
.png)
Introducing WaaS
WaaS simply means "Wallet-as-a-Service". It's a platform that integrates seamlessly with third-party services, enabling businesses to create tailored digital wallets with ease, without the need to develop wallets from scratch. With flexible payment tools and a scalable infrastructure, we empower you to innovate, drive growth, and create meaningful financial solutions for unbanked communities across Africa.
Payments & Collections
WaaS seamlessly integrates multiple payment channels, including Mobile Money and Card Schemes, enabling businesses to instantly connect with their preferred payment service providers. These payment options can be used to top up the digital wallets created on the WaaS platform, offering flexibility and convenience.
Credit Scoring
Our credit scoring tools built in WaaS, help businesses assess borrower reliability quickly and accurately. By analyzing data like payment history, wallet activity, and other relevant patterns, the tools provide a clear picture of creditworthiness. This makes it easier to offer loans, even to those without traditional credit histories, while managing risk effectively. It’s a smarter, faster, and more inclusive way to extend financial services.
Identity Verification
Our ID verification tools, seamlessly integrated within WaaS, ensure secure and reliable user authentication. By leveraging advanced technologies, these tools allow businesses to verify identities in real-time, reducing fraud and enhancing trust. With flexible integration options, you can streamline the onboarding process while maintaining compliance with regulatory standards, making it easier to build secure and inclusive financial ecosystems.
SMS, USSD, WhatsApp & More
WaaS makes connecting with your customers easy. Whether through USSD, mobile apps, or WhatsApp, our ready-to-use platform requires no coding. With built-in Bulk SMS, you can engage wallet account holders seamlessly. USSD and WhatsApp channels allow users to manage their wallets anytime, anywhere in Africa, making financial solutions accessible and effortless.
Contactless Payments
Tap2Pay, powered by the digital wallets created within WaaS, enables businesses to offer fast, secure, and contactless payments using NFC, RFID, or QR-enabled smart cards and wristbands. With WaaS, payments are seamlessly integrated, providing customers across Africa with a smooth, hassle-free experience — all while keeping transactions secure and accessible.
Regulated Wallets
Scale Your Wallets Seamlessly Across Africa. WaaS takes away the headache of licensing when expanding into Africa. By partnering with pan-African banks, we offer fully regulated wallets tailored to your needs. Effortlessly scale your business into 25+ countries, staying compliant while focusing on growth and innovation.
Powering the Dreams of the next Billion
Empowering over a billion Africans with seamless digital wallet solutions — enabling businesses to deliver financial access, inclusion, and opportunity to their customers.
Ready-to-Use Interfaces
Simple USSD Access (*123#)
Set up a virtual wallet with Terra, complete with a USSD channel for easy access. Users can check balances, manage accounts, or request loans—all through simple USSD codes. Ideal for regions where USSD is widely used, it enhances accessibility and user engagement effortlessly.
Web & Mobile Dashboards
Enjoy a smooth, secure experience across devices with our web and mobile apps. Access your wallet easily, anytime, with user-friendly design and reliable performance.
Simplify financial management with WaaS's WhatsApp Integration. Check balances, make transactions, or apply for loans—all through simple chat prompts. It’s real-time, user-friendly, and designed to make managing finances as easy as texting.
One Platform - Endless Wallet Possibilities
Launch & Adapt Faster
With WaaS, roll out your wallet solutions in minutes and make changes on the fly — no coding or IT support needed. Focus on growth while we handle the tech, making it easy to innovate, scale, and stay ahead.
Secure & Streamline Operations
Customize security measures to fit your business needs while managing risk seamlessly. Our infrastructure ensures robust protection for every transaction, giving you confidence to deploy and operate wallets securely across Africa.
Effortless Scaling Across Africa
Expand your business seamlessly across Africa. Our cloud-based platform lets you serve more customers in any market, with the flexibility to grow as fast as you need.
We are present in 7 countries
Simple financial solutions for businesses and their customers
Here's how we're empowering our partners
We’ve worked with Terra for years. We are incredibly grateful for our journey together over the years, and we know how impactful Terra's work with us has been on Tap2Eat. Terra believed in our vision for a payment system for school feeding, which has played a significant role in how we've scaled our school feeding initiative. We will always count you as a part of the F4E family!
We've worked with Terra for over a year now and their fintech services enabled us to pilot in 3 weeks. This was crucial for us since we needed to prove a concept before raising seed investment for MedNow and now we have leveraged their platform to deploy our Buy Now Pay Later solution for healthcare across all goodlife pharmacies in Kenya.
From the outset, our collaboration with Terra has been nothing short of transformative. Terra's commitment to innovation and excellence is evident in every interaction. As we continue to shape organizational cultures and foster growth across Africa, it's partnerships like this that truly make a difference. We're privileged to be part of this journey with them.
