What is Bani and how does it work?

Bani is a pan-African B2B payments API that enables businesses to receive, confirm, track, and reconcile online and in-store payments across Africa, plus settle cross-border trade payments to suppliers in Africa and Asia. It works through a single developer-friendly cloud-based API supporting multi-collection channels like virtual accounts, mobile money, e-wallets, local currencies (NGN, GHS, KES, XOF, SLE), and stablecoins, with instant confirmations, real-time tracking, reconciliation, and settlements in under 15 minutes.

What countries does Bani operate in?

Bani operates in Brazzaville Congo, Ghana, Kenya, Uganda, Republic of the Congo, Burkina Faso, Zambia, Tanzania, Rwanda, Cameroon, Benin, Ivory Coast, Nigeria, Senegal, Malawi, Sierra Leone.

Does Bani have a mobile app?

No, Bani does not have a mobile app. It is available on web and via API.

Who is Bani best suited for?

Bani is best suited for African businesses, merchants, and developers in sectors like fintech, e-commerce, healthcare, restaurants, travel agencies, and digital creators needing cross-border B2B payments, collections, and reconciliation.

Does Bani have a plan for teams or businesses?

Yes, Bani is designed for businesses and is used by over 200 businesses across Africa.

Does Bani offer an API or integrations?

Yes, Bani offers a developer-friendly cloud-based API for integrating payments and collections into custom checkout and in-store flows.

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Bani: Funding, Reviews & Alternatives (2026) – Liners

Bani

🌍 Pan-African

A pan-African B2B payments API that helps African businesses receive, confirm, track, and reconcile online and in-store payments, plus settle cross-border trade payments.

Available on:WebAPI

Bani is a pan-African fintech platform for businesses and developers that provides a single API to receive, confirm, and track online and in-store payments, and to settle cross-border trade payments across Africa.

Key capabilities include:

Cross-border settlement with confirmation: Settle cross-border transactions in under 15 minutes, with instant confirmation, supporting payments to suppliers across Africa and Asia.
Multi-collection channels and local currencies: Collect and pay using local currency rails, including currencies such as NGN, GHS, KES, XOF, and SLE, with support for virtual accounts, mobile money, e-wallets, and stablecoins.
Real-time tracking and reconciliation: Verify, match, and reconcile transactions without disrupting real-time operations.
Cloud-based, developer-friendly APIs: Integrate payments and collections into custom checkout and in-store flows using a cloud API designed for developers.