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Flood Finance
A South African super-app-as-a-service platform that lets telcos and banks embed local commerce, merchant onboarding, payments and loyalty in their own apps.
Flood Finance Product Overview
Is Flood Finance Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Telco super-app teams
- Banking app teams
What It Does Well
- In-app local marketplace
- White-label app embeds
Things to Check
- South Africa and Ghana fit
- Merchant vetting rules
About Flood Finance
Flood is a super-app-as-a-service platform from South Africa that lets telcos, banks and other large-audience apps add a local marketplace to the apps their customers already use. Its aim is to bring offline shops, including informal traders and spaza shops, online without anyone downloading a new app.
Key capabilities:
- White-label marketplace layer: plugs into existing self-care and banking apps so users can find nearby stores, services and deals, and adds partner ads, offers and wallet-based repeat purchases.
- SME onboarding: DIY self-registration with e-KYB, store and product listings, and credit and payments through mobile money wallets.
- Merchant dashboard: inventory and order management, payment collection, revenue overview and a choice of doorstep delivery or store pickup.
- Hyperlocal discovery: AI-personalised, geo-targeted seller ads reaching users through web, app, push, SMS and WhatsApp.
- Payments, wallets and loyalty: multiple payment gateways, closed-loop wallets, tiered loyalty, referrals, coupons and cashback, plus single sign-on across devices.
Available on Web and delivered through partners' own apps.
Flood was founded by André de Wet, former CEO of PriceCheck, and is live with Telecel in Ghana, with other early markets in India and the Maldives. It reports more than 8,000 merchants onboarded in three months in one pilot, over 14 million transactions and $400M in GMV. In August 2025 it raised a $2.5M seed extension led by CRE.vc, bringing seed funding to $3.5M, and it was named 2024 FinTech Start-Up of the Year for South Africa at the Global Start-Up Awards.
Flood Finance Facts
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Flood Finance Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataFlood Finance Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataFrequently Asked Questions About Flood Finance
Flood Finance is a super-app-as-a-service commerce platform that telcos, banks, and other large-audience apps embed to add an in-app marketplace for local discovery, merchant onboarding, and payments. It works as a plug-and-play layer integrated via APIs into existing apps, connecting consumers to nearby merchants with geo-targeted offers, loyalty, and tools for SMEs to manage inventory, orders, and in-store or delivery transactions.
Flood does not publish prices. It is sold to telcos, banks and large platforms as a white-label service, and pricing is agreed directly with its team. Merchants join through the partner app.
Flood is a South African company. It is live with Telecel in Ghana and has early markets in India and the Maldives, with launches in progress in Nigeria, Botswana and Mauritius and a planned expansion in South Africa.
For SMEs and merchants, Flood Finance supports DIY self-registration within partner telco or banking apps using its automated onboarding and e-KYB flows. For telcos, banks, and enterprises looking to embed Flood, you would typically engage Flood as a B2B partner and integrate its super-app layer into your existing customer apps.
Flood is designed as a mobile-first, API-driven platform that embeds into existing mobile apps of telcos and banks, but there is no verified standalone Flood mobile app listing for consumers in public app stores. End users typically access Flood’s marketplace features through their telco or banking apps rather than a separate Flood-branded app.
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