Digitising Identity.
Simplifying Payments.
With WaaS by Terra, we bring hardware and software together to digitise identity for schools, insurers, and agri-coops. One system to track, verify, and pay - giving you clear records, faster planning, and time back.
Trusted by 100+ Partners Globally
Track. Verify. Pay.
WaaS by Terra connects smart devices - wristbands, cards, and tags - directly to our software, making identity verifi cation simple and instant. Every tap updates records in real time, giving you the visibility you need to plan ahead.
Payments & Collections
Connect to any payment provider you want. WaaS works with mobile money, cards, and digital wallets so your customers can pay however they prefer.
Credit Scoring
See who you can trust to repay loans. WaaS tracks payment history and wallet activity to show you which customers are reliable borrowers, even if they don't have traditional credit scores.
Identity Verification
Know your customers are real. WaaS verifies identities instantly, reduces fraud, and keeps you compliant with regulations.
SMS, USSD, WhatsApp & More
Reach customers through SMS, USSD, or WhatsApp. They can check balances and manage wallets however they prefer. No coding needed from you.
Tap & Go Payments
Customers tap cards or wristbands to pay instantly. Works with NFC, RFID, or QR codes for fast, secure payments without needing phones or internet.
Regulated Wallets
Expand to 25+ African countries without licensing headaches. WaaS partners with local banks to handle regulations, so you focus on growing your business.
Powering Possibility, One Tap at a Time
Businesses tap into growth with our payment infrastructure built for Africa and beyond.
Deploy in Days, Not Months
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
Launch your wallet in minutes and update it anytime without coding. You focus on growing your business, we handle all the technical stuff.
Secure & Streamline Operations
Customize security to fit your business and manage risk easily. WaaS protects every transaction, so you can operate confidently across Africa.
Effortless Scaling Across Africa
Launch in any African market instantly. Our platform handles unlimited customers, so you can grow as fast as you want.
We are present in 7 countries
Payments need Infrastructure, but yours doesn't have to
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.
