---
title: "Bani: Cross-Border B2B Payments API in Africa"
description: "Collect and settle B2B payments across 15 African countries. Settle cross-border trades in under 15 minutes with confirmation via API and mobile money"
canonical_url: "https://liners.com/bani"
markdown_url: "https://liners.com/bani.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/bani/screenshot.webp?v=1777328070565"
published_at: "2026-04-28T22:30:31.472Z"
updated_at: "2026-10-02T09:59:27.107Z"
---

# Bani: Cross-Border B2B Payments API in Africa

Collect and settle B2B payments across 15 African countries. Settle cross-border trades in under 15 minutes with confirmation via API and mobile money

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Bani](/bani)

## Summary

Collect and settle cross-border payments across Africa fast

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://bani.africa/ |
| Tagline | Collect and settle cross-border payments across Africa fast |
| Primary country | Kenya |
| Platforms | Web, API, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

Available on **Web**, **Android**, **IOS** and via **API**.

Built for **African businesses, merchants, and engineering teams** in sectors such as fintech, e-commerce, healthcare, restaurants, travel agencies, and digital creators that need cross-border B2B payments, collections, and reconciliation.

Notable for supporting operations across multiple African markets (including Kenya, Nigeria, Ghana, Senegal, Ivory Coast, Cameroon, Rwanda, Tanzania, Uganda, Zambia, Malawi, Sierra Leone, Benin, Burkina Faso, and Congo) and for being **trusted by over 200 businesses**, with claims of **up to 25% cost savings** on cross-border transaction costs compared to traditional banks.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Benin](/countries/benin): Market
- [Burkina Faso](/countries/burkina-faso): Market
- [Cameroon](/countries/cameroon): Market
- [Congo](/countries/congo): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Malawi](/countries/malawi): Market
- [Nigeria](/countries/nigeria): Market
- [Rwanda](/countries/rwanda): Market
- [Senegal](/countries/senegal): Market
- [Sierra Leone](/countries/sierra-leone): Market
- [Tanzania](/countries/tanzania): Market
- [Uganda](/countries/uganda): Market
- [Zambia](/countries/zambia): Market

## Related pages

- [Alternatives](/bani/alternatives)
- [Reviews](/bani/reviews)
- [Transparency](/bani/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/bani)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)