Your name, colours, domain, pricing and rules appear across the customer journey. Lipaware supplies and operates the technology behind the service without presenting a competing customer-facing brand.
Financing.
Built for your customers,
Branded by you.
Lipaware builds white labelled payments and lending products —
an end-to-end platform that banks, payment providers and
mobile operators launch under their own name.
Nothing to build. Nothing to certify. Nothing to maintain.
Five modules. One platform.
We build the technology. You put your name on it and sell it.
Payments
Collections, disbursements and the orchestration that routes them.
One integration connects you to every payment method, provider and
bank your market uses, and every screen of it carries your brand.
Lending
Six anchor-based lending products where repayment is designed in,
not chased recovery comes from the anchor’s settlement, the
borrower’s daily sales, or the payroll run. You are the lender. You set
the rates, the limits and the rules.
Explore LendingApps available on
Wallets
Give every customer, merchant, agent or employee a branded account
with a real balance and a full double-entry ledger. Money is held,
received, sent and withdrawn inside your ecosystem instead of
leaving it on every transaction.
Orchestration
Connect every bank, wallet, card processor and aggregator behind one API, then route by cost, success rate, method or market. When a provider degrades, traffic moves to the next one and the payment still goes through.
Explore OrchestrationInfrastructure
eKYC, messaging and multi-currency FX form the shared foundation beneath every module — and each one can launch on its own, under your brand.
Explore InfrastructureThree reasons this works
The platform is already built, certified and running in production. What is left is your brand, your rules
and your go-to-market — which is the part only you can do.
Live in weeks, not years
- Modules configured to your rules, not rewritten from scratch.
- Reviewed by your team in a live environment before launch.
Your name, Your colours,
Your domain, Your fees.
- Your brand on the dashboard, the checkout page and the receipts
- Your pricing and your fee rules, set and changed by you
One partner, one arrangement
- Deployment, customisation and training inside one arrangement
- Monitoring, support and product updates from day one onward
Built for the institutions that
move money
Different licences, different customers, the same platform underneath.
Here’s what each one usually launches first.
- 1
Banks
Offer business and retail customers modern digital payments and lending without a multi-year technology programme.
- 2
Payment service providers
Compete on price and service with a gateway you can sell under your own name, or take orchestration alone.
- 3
Switches
Layer customer-facing products on top of the rails you already run and earn from the infrastructure you operate.
- 4
Microfinance & digital credit
Digitise the full lending operation, from application and scoring to disbursement, collection and recovery.
- 5
Mobile network operators
Turn a large wallet base into a broader financial services business with payments, lending and branded accounts.
- 6
Large corporates
Use the platform for your own operations and anchor supplier finance without presenting the service as a product launch.
Got questions?
We can answer them
Most deployments take weeks rather than years because the modules are already built and certified. Final timing depends on provider integrations, your approval process and any market-specific regulatory work.
Pricing is scoped around the modules, transaction volumes, markets, integrations and level of customisation you need. You receive a clear proposal before implementation starts.
Lipaware operates a PCI DSS Level 1 certified card environment and is an Authorised Data Handler. We provide the current scope and supporting evidence during due diligence.
Yes. Payment orchestration is designed to sit above existing banks, wallets, processors and aggregators so you can retain good commercial relationships and add alternatives over time.
It is lending structured around a borrower’s relationship with a larger, creditworthy buyer, supplier or employer. That anchor confirms the underlying trade or payroll activity and helps make repayment predictable.
Payment orchestration connects multiple providers behind one integration and applies routing, failover, monitoring and reconciliation consistently across them.
Electronic Know Your Customer is digital identity verification. It lets a customer submit an ID, complete face and liveness checks, and pass required screening from a phone or browser instead of visiting a branch.
Yes. Multi-Currency and FX supports quoting, conversion, configurable margins, base-currency accounting and settlement across the currency pairs enabled for your programme.
Understand the infrastructure
Visit Blog
Lending
Anchor-based lending: designing repayment into the product
Read article
Lending
What Is Anchor-Led Lending, and Why Are More African Lenders Building Around It?
Read article
Payments
Payment orchestration for African markets
Read article
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