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PAYOSONE

Connect your business.
Run it smarter.
Access more. Earn more.

PayOsOne connects businesses to connectivity, business management and automation tools, banking and payments, working-capital opportunities and new ways to earn and grow.

Connect · Automate · Bank · Grow
THE PAYOSONE DIFFERENCE

What changes for your business?

WITHOUT PAYOSONE
  • Disconnected connectivity
  • Separate financial services
  • Limited access to capital
  • Disconnected business processes
  • Few additional earning opportunities
P
PAYOSONE

One connected digital hub for your business.

WITH PAYOSONE
  • CONNECTEDYour business gets connected.
  • AUTOMATEDBusiness management and automation tools.
  • FINANCIALLY CONNECTEDBanking, payments and financial services.
  • CAPITAL CONNECTEDWorking-capital opportunities through partners.
  • DISTRIBUTION ENABLEDBecome a last-mile service point.
  • EARN MORECreate additional income opportunities.
  • GROWBuild a stronger business.
THE PAYOSONE JOURNEY

One business-growth journey.

From connection to growth — seven connected steps, one platform.

01

CONNECT

Get your business connected.

02

AUTOMATE

Run smarter with business management and automation tools.

03

BANK & PAY

Access banking, payments and financial services.

04

ACCESS CAPITAL

Connect to working-capital opportunities through partners.

05

DISTRIBUTE

Become a local access point for approved micro-services.

06

EARN MORE

Create additional earning opportunities.

07

GROW

Grow the business.

YOUR BUSINESS IN YOUR HAND

Your business.
At your fingertips.

PayOsOne gives merchants a simple digital view of their business and puts the services and opportunities they need within reach.

African merchant using PayOsOne

"I can see my business. I can manage my business. I can access services. I can find opportunities. I can grow."

Good morning,
Today's Business
Today's revenue
₦125,400
Business Activity ↑ Growing
Payments
Successful
Customers
Active
Opportunities
Available
Top Performing
1Product / Service A
2Product / Service B
3Product / Service C
Working Capital
Opportunity Available
Explore →
Business
Payments
Services
Finance
Connectivity
Services — Earn More
African entrepreneur with tablet
RUN SMARTER
One view. One platform.
BUSINESS MANAGEMENT & AUTOMATION

Run your business without the complexity.

PayOsOne gives businesses practical management and automation tools that simplify everyday operations and provide better visibility into business performance.

Business visibility
A clear, real-time view of how your business is performing.
Automation
Automate everyday operations and reduce manual work.
Digital workflows
Streamline processes with connected digital workflows.
Business intelligence
Insights that help you make better decisions.
Customer activity
Understand your customers and serve them better.
Operational efficiency
Run leaner with payments and tools working together.
CONNECTIVITY — THE FOUNDATION

Get your business connected.

Connectivity is the foundation of the modern business. PayOsOne brings connectivity together with the digital services businesses need to operate and grow.

CONNECTIVITY
The foundation
DIGITAL BUSINESS
Tools to operate
FINANCIAL SERVICES
Banking & payments
CUSTOMERS
Serve your community
GROWTH
Scale your business
BANKING & PAYMENTS

Banking and payments, connected to your business.

PayOsOne connects businesses to banking, payments and financial services through the ecosystem — through appropriate financial institutions and partners.

Monitor payment activity
See payments as they happen, in real time.
Receive payments
Accept payments from customers simply.
Access financial services
Connect to services through appropriate partners.
Manage transactions
Track business transactions in one place.
Merchant using PayOsOne app for payments
Payments received
Through partner financial institutions
WORKING CAPITAL

Ready to grow? Access working-capital opportunities.

PayOsOne is designed to connect eligible businesses with working-capital opportunities through appropriate financial partners.

WORKING CAPITAL
Opportunity Available
Business Growth

Explore capital opportunities connected through appropriate financial partners.

Illustrative information only. Not a guarantee of approval. Not every merchant qualifies.
African merchant serving community
LAST-MILE DISTRIBUTION

Turn your business into a gateway.

PayOsOne enables participating businesses to become last-mile distribution and service points for a growing range of approved micro-services.

BANKINGINSURANCEPENSIONSTELECOMPAYMENTSDIGITAL COMMERCEOTHER SERVICES
Sell more. Serve more. Earn more.

Your business can become more than a place where people buy products. It can become a place where your community accesses more services.

Become a Service Point
EARN MORE

More services. More opportunities. More earning potential.

PayOsOne creates opportunities for participating businesses to earn additional income by distributing approved services to their communities.

MERCHANT
CUSTOMER
SERVICE
TRANSACTION
MERCHANT EARNING

Earning opportunity · Additional income

Illustrative only. Earnings are not guaranteed and depend on participation and demand.

Network of African businesses
THE NETWORK EFFECT

One business can serve a community.
A network of businesses can transform access.

PayOsOne is building a digital layer that connects businesses, services and communities — from retail and restaurants to market merchants, service businesses and growing SMEs.

THE PAYOSONE ECOSYSTEM

One platform. Multiple capabilities. One business journey.

PAYOSONE
CONNECTIVITY
BUSINESS AUTOMATION
BANKING
PAYMENTS
WORKING CAPITAL
INSURANCE
PENSIONS
TELECOM
DIGITAL COMMERCE
LAST-MILE DISTRIBUTION
FOR BANKS & STRATEGIC PARTNERS

Reach businesses closer to where they live and work.

PayOsOne creates a digital distribution layer through which appropriate partners can reach, onboard and serve SMEs and merchants.

BANKSINSURANCEPENSIONSTELECOMCOMMERCEOTHER SERVICE PROVIDERS
PAYOSONE
↓
MERCHANTS
↓
COMMUNITIES
Merchant acquisition
Digital onboarding
Service distribution
Customer engagement
Transaction opportunities
Last-mile reach
Business insights
THE BIG BUSINESS TRANSFORMATION

PayOsOne changes what a business can do.

GET CONNECTED.
RUN SMARTER.
BANK & PAY.
ACCESS CAPITAL OPPORTUNITIES.
DISTRIBUTE SERVICES.
EARN MORE.
THE OUTCOME
GROW.
Start Growing
Connected African business future
PAYOSONE

The future of African business is connected.

Connect your business. Run it smarter. Access financial services. Unlock opportunities. Serve your community. Grow.

ONE PLATFORM. EVERY BUSINESS. EVERYWHERE IN AFRICA.