Products Built for Digital Finance

Customers scan any merchant’s interoperable QR and pay with an Instacard, a BALANCE account or another bank’s card.

Each merchant is issued an interoperable QR code that customers of any bank can pay, so acceptance is universal.

Merchants receive instant payment notifications and see every transaction in real time on their dashboard and account statement, all inside your mobile app.

With Accepto, merchants self-onboard digitally with KYB and a verified business location, then accept contactless card payments with SoftPOS directly on their NFC-enabled Android phones, all within your mobile app.

Merchants can also request a physical POS terminal, show a dynamic QR, share payment links or take online checkout. Eligibility is scored automatically on rules set by your institution, and your team approves on the Partner portal.

Every payment triggers an instant notification and comes with the option to settle instantly, with real-time visibility on the dashboard and collection account statement.

Issue virtual debit, credit, prepaid and gift cards instantly via your mobile app, with enhanced security through a dynamic CVV for every online payment. Every card sits in the customer’s digital card wallet.

Customers link a virtual Instacard to one physical Universal card for ATM and POS use, and relink it any time. The card is issued sealed with no bank name and activated with a QR scan, face match and a PIN.

You issue it instantly and distribute it through branches, agents, retail touch points such as supermarkets, and online orders, so more of your cards are in use. All card controls, including limits, block and unblock and instant linking, are managed seamlessly through your app.

DTS, our patented Dual Transaction Service, links a virtual credit card to your customers’ existing debit cards, so they spend on credit with the cards they already carry. It is part of Instacard.

Pre-approved customers access their virtual credit limit through the debit cards they already carry, without needing a new physical credit card.

DTS is on by default for every virtual credit card where you already hold debit cards for the customer, so they simply select “Credit” at a POS or ATM that offers it. The transaction is processed against the credit limit on their DTS virtual credit card.

Ace is the UNIFOS credit infrastructure that lets you originate, disburse, manage and collect payday, salary advance, small-ticket, personal and consumer-durable loans, and build profitable credit programmes.

From the lending desk on the Partner portal, you set underwriting and collection rules, launch credit products and disburse approved loans instantly. Every loan is checked three ways, by your rules, an AI Checker and the credit bureau, and the three are triangulated into the most conservative offer.

Borrowers view statements, repay from any linked bank account and manage their obligations with ease.

Ace tracks your portfolio in real time. Repayment and collections run on BALANCE for Standalone banks, and on your own core through IMS, our on-premises Institution Management System, for Super SDK banks.

Verifyed simplifies digital KYC with instant onboarding: BVN and NIN, active and passive liveness, and face match against BVN and NIN photos.

It supports ID and address verification, location checks and CAC-based business verification, and reads the national ID, NIN slip, voter’s card, driver’s licence and passport. Customers climb KYC levels alone.

Customers set up a soft token in seconds for two-factor authentication: 30-second codes that work offline. One phone per customer per bank.

Boost adoption and engagement with Rewa, a customisable loyalty programme that credits usage-based points and cashback to your customers, with tiers that reward loyalty.

Customers view, track and redeem their points in real time in your mobile app.

Your team sets the rules on the Partner portal, with maker-checker and a UNIFOS portal PIN signature.

Enhance the customer experience with interactive FAQs and product guides, all inside your app.

Guida helps customers explore features, get instant answers and learn to use services with ease. It understands requests in their own words and language, and raises a ticket when a person is needed.

When a person is needed, Guida raises a ticket and keeps the customer updated until it is resolved. Fewer everyday questions reach your contact centre.