One Platform
for Digital Wallets,
Built for Scale.
We empower businesses to launch secure, scalable wallets effortlessly with our ready-to-use infrastructure, enabling seamless growth while driving financial inclusion for underserved African communities.
Our trusted partners
Introducing WaaS
Our Wallet-as-a-Service (WaaS) platform integrates seamlessly with third-party services, enabling businesses to create tailored digital wallets with ease. With flexible tools and 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
Effortlessly launch fintech services in Africa with WaaS, a powerful platform tailored for the continent’s diverse markets. Connect with customers through USSD, mobile apps, or WhatsApp, all without the need for coding, enabling seamless access to financial solutions for everyone.
Contactless Payments
Revolutionize customer payments with Tap2Pay, integrating NFC/RFID/QR-enabled smart cards or wristbands for fast, secure, contactless transactions in Africa, providing a seamless experience for customers.
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.
Go from idea to implementation in minutes
Our documentation, sample data and code snippets provide developers with powerful tools to launch your next innovation.
Ready-to-Use Interfaces
USSD Channel
Install a digital virtual wallet with Terra for seamless USSD integration. Each account includes a customizable USSD channel for easy account management, balance checks, and loan requests. Enhance accessibility in regions where USSD is prevalent, improving user experience and customer engagement.
Web & Mobile App
Our platform's web and app channels are designed for a seamless and user-friendly experience on any device. Consistent performance, top-notch security, and a pleasing interface are guaranteed whether accessed on a desktop or through the mobile app.
Explore conversational finance with Terra's Chatbank Channel on WhatsApp, enabling seamless financial management. Users can check balances, request transactions, and apply for loans through chat prompts. ChatBank provides real-time financial solutions, revolutionizing accessibility and convenience for millions.
One Platform - Endless Wallet Possibilities
Build & Iterate Quickly
Make product or process changes anytime without involving IT.
Deploy & Operate Securely
Set up bespoke security protocols to manage risk your way.
Scale With Ease, Across Africa
Serve unlimited customers in any market by running in the cloud.
We are present in 8 countries
Time is money, save both.
What our partners have to say
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.
