The investment round was led by European B2B software investor Newion, marking a significant step in the company’s growth less than two years after its launch.

Founded as a spin-off from the international calling app Talk360, NjiaPay became an independent company in December 2024.

The platform was created after Talk360’s team encountered major challenges managing multiple payment providers while expanding its services across African markets.

Those difficulties revealed how fragmented and complex digital payments can be for businesses operating across the continent’s many financial systems.

NjiaPay positions itself as a payments-as-a-service provider that helps companies manage different payment service providers through one integrated system.

Instead of replacing existing providers, the platform sits on top of them as a neutral orchestration layer.

Through a single application programming interface (API), the system automatically directs transactions to the payment provider most likely to succeed at that moment, while consolidating performance data into a unified dashboard for merchants.

This approach aims to address a common challenge faced by African businesses.

Companies that operate in multiple countries often need to connect with several payment providers, each with its own technology, reporting tools, and success rates.

Managing these integrations can increase costs and lead to transaction failures, particularly for subscription-based businesses where payments frequently fail due to expired cards or other technical issues.

Before raising the latest round, NjiaPay had already secured US$1 million in pre-seed funding in early 2025.

That earlier investment supported the development of the platform and initial market entry.

Over the past year, the startup has also begun building a client base that includes both high-growth startups and global brands such as Talk360, Anytime Fitness, and Melon Mobile.

The newly raised capital will be used to expand the company’s engineering and commercial teams, deepen integrations with payment partners, and accelerate its expansion across African markets.

NjiaPay is positioning itself as a central infrastructure layer within Africa’s digital payments ecosystem, combining global payment technology with local market knowledge.

Commenting on the investment, NjiaPay chief executive Jonatan Allback said the funding represents an important milestone for the company.

He noted that the past year has shown that payment orchestration is becoming increasingly necessary for businesses operating across Africa’s diverse payment landscape.

Allback added that Newion’s experience in scaling enterprise software companies will help the startup support merchants seeking to improve their payment performance.

Newion Partners managing partner Mathijs de Wit said the firm was drawn to NjiaPay’s ability to solve a fundamental problem in African commerce.

Despite the rapid growth of fintech innovation across the continent, he said, payment systems remain fragmented and difficult for merchants to navigate.

According to de Wit, NjiaPay’s technology brings multiple providers together in one system, improving reliability while helping businesses process transactions more efficiently.