The Digital
Wallet Infrastructure,
for Africa.
We empower African businesses with a fast, seamless, all-encompassing digital wallet service to accelerate growth and bring financial aspirations to life. Our platform simplifies complex tasks, nurturing digital ecosystems across Africa for businesses to thrive.
Our trusted partners
Built for Africa
Our Platform, along with Third Party Services, streamlines fintech processes with customized features for wallet enhancement. No-code tools simplify operations, enabling focus on business growth in the dynamic fintech landscape.
Aggregated Payments
Paylink integrates multiple payment channels like M-PESA, offering wallet management features for seamless transactions across various payment methods in Africa.
Credit Scoring
Introducing ScoreSwift, a no-code credit scoring tool for assessing individuals' creditworthiness in Africa. It utilizes advanced algorithms and local data insights to enable businesses to offer financial products securely through digital wallets. Enhance lending efficiency, mitigate risk, and reach new customer segments with ScoreSwift.
ID Verification
VerifyOne is a no-code ID Verification tool with a single API for seamless user onboarding, authentication, and verification in over 25 African countries. It ensures compliance, offers a smooth user experience, streamlines operations, builds trust, and drives growth in various markets.
Smart Messaging
Launch fintech services in Africa effortlessly using OmniReach, a versatile channel for the diverse African market. Reach customers through USSD, app, or WhatsApp without coding. OmniReach promotes accessibility, opportunity, and inclusivity.
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.
Lending Infrastructure
Explore Lendflow - a comprehensive lending ecosystem providing businesses with a suite of no-code tools for managing lending to integrated wallets. Simplify loan processes from origination to repayment with advanced analytics for efficient credit offerings and risk control. Revolutionize lending strategies, optimize processes, and uncover new revenue streams with LendFlow.
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 - For Africa's Digital Ecosystems
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.
