Africa's Tomorrow,


Terra redefines fintech with solutions tailored for the African market. From seamless transactions to insightful analytics,identity verification to payments, credit scoring to managed ledgers, we bring your financial visions to life, all in one platform.

Our trusted partners

SBM Bank

Built for Africa

Harness the strength of Terra's Core Platform and our array of 25+ Precision Micro-Services. It's more than just a platform; it's a commitment to fueling your fintech dreams without complexities. Each feature is crafted keeping your needs in mind, offering flexibility and scalability right from the start. By making intricate processes appear simple, we ensure you can focus on what truly matters: growing your business and realizing your vision. With Terra, effortlessly navigate the fintech landscape and redefine what's possible.

25 +
Countries Supported
$ 2M +
Deposits Allocated
5M +
Mobile Wallets
250K +
Loans Originated


We're integrated with over 8 payment gateways in Africa, and M-PESA, allowing startups to leverage existing trusted payment processing channels while utilizing our platform's robust capabilities.


Unlock the potential of financial inclusivity with Terra's no-code credit scoring tools. ScoreSwift provides a seamless gateway to assess the creditworthiness of individuals across Africa. Powered by sophisticated algorithms and local data insights, our platform ensures businesses can offer financial products confidently and responsibly. Streamline lending, reduce risk, and tap into new customer segments with ScoreSwift.


Harness the power of Terra's no-code KYC tools, consolidated in a single API. Seamlessly onboard, authenticate, and verify users from over 15 African countries. Our comprehensive platform ensures you remain compliant while offering a frictionless experience for users. Streamline operations, enhance trust, and drive growth across multiple markets with VerifyOne.


Break the barriers of accessibility with Terra's OmniReach channels. Whether it's USSD, app, or WhatsApp, we've got you covered. Launch your fintech services across Africa without writing a single line of code. Our plug-and-play channels are tailored for the diverse African market, ensuring you reach your customers wherever they are. With OmniReach, you're not just deploying a service; you're opening doors of opportunity and inclusivity.


Discover the essence of effortless payment integration with Terra's PayLink. Engineered for businesses that aim to scale, PayLink offers a seamless, no-code solution to integrate diverse payment channels into your services. Whether it's mobile money, bank transfers, or international gateways, PayLink ensures a unified, smooth experience for your users. Its robust backend processing caters to high transaction volumes, guaranteeing reliability and security at every step. As you focus on expanding your horizons, let PayLink manage the intricacies of payment facilitation, ensuring you're always linked to growth and innovation.


Dive deep into Terra's comprehensive lending ecosystem. LendFlow equips businesses with a robust suite of no-code tools to facilitate and manage lending directly to integrated wallets. Our platform simplifies the complexities of loan origination, underwriting, disbursement, and repayment. With advanced analytics and real-time data insights, LendFlow ensures you offer credit products efficiently while maintaining control over risk. Revolutionize your lending strategies, optimize processes, and discover untapped 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

Deploying a digital virtual account? Experience the seamless integration of USSD from Terra. Every account you deploy comes with a ready-to-use, customizable USSD channel, enabling account holders to conveniently manage their accounts, check balances, and request loans with simple dial commands. No coding, no hassle - just a direct line to your customers’ pockets, bridging the digital divide and enhancing accessibility in regions where USSD reigns supreme. Elevate your service, and provide an unmatched user experience.

Web & Mobile App

Our platform's web and app channels have been meticulously crafted to ensure a seamless and user-friendly experience, regardless of the device you choose to use. Whether you're accessing our services from a desktop or on-the-go via our intuitive mobile app, we ensure consistent performance, top-notch security, and an interface that's as pleasing as it is practical.


Dive into the realm of conversational finance with Terra's Chatbank Channel. Each account you deploy isn't just a digital account; it's a gateway to seamless financial management through WhatsApp. Users can effortlessly check balances, request transactions, and even apply for loans, all through intuitive chat prompts. ChatBank transcends traditional finance boundaries, offering real-time, responsive, and accessible financial solutions right at the fingertips of millions using WhatsApp daily. Simplify, communicate, and revolutionize with ChatBank.

The Backbone of Fintechs in Africa


Iterate Quickly

Make product or process changes anytime without involving IT.


Operate Securely

Set up bespoke security protocols to manage risk your way.


Scale Effortlessly

Serve unlimited customers in any market by running in the cloud.

We are present in 8 countries


Time is money, save both.

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