3line

3Line is a payment infrastructure and financial services platform for financial institutions, businesses, and individuals that need multiple ways to move money across electronic channels.

Key capabilities include:

• Multi-channel payment acceptance, including card payments (debit, credit, prepaid), USSD payments, QR code payments, payment links, and bank transfers to support different customer preferences and connectivity constraints.
• Agency banking and branchless banking infrastructure that supports last-mile access to financial services through partner networks.
• Transaction switching and processing across multiple electronic channels, with real-time transaction management and access to digital banking tools for supported use cases.
• FreedomCard support for organizations that need a card scheme offering.

Available via web-based channels (platform apps not specified).

The product primarily targets a B2B2C model, serving banks, fintechs, enterprises, and other organizations that provide payment and banking services to SMEs, individuals, and communities.

3Line is notable in Nigeria’s payments landscape for being regulated by the Central Bank of Nigeria, reporting 99.9% uptime, and citing operational scale metrics such as ₦7 million processed daily, 180,000 SMEs supported through partners, and 20,000+ people reached.