ANED
Pay
Platform
ANED Suite
ANED Pay is the payments engine of ANED Suite. It connects every payment channel used across Africa — mobile money (M-Pesa, MTN Momo, Airtel), bank transfers, VISA/Mastercard, and SWIFT cross-border — into a single API layer that all ANED products use for invoicing, payroll disbursement, donor transfers, and supplier payments.
Native integrations with M-Pesa (Kenya/Tanzania), MTN Mobile Money (Uganda/Ghana/Cameroon/Rwanda), Airtel Money (Uganda/Kenya/Tanzania/Zambia), Orange Money (Senegal/Mali), and Wave (Senegal/Ivory Coast). Real-time payment confirmation, reversal handling, and bulk disbursements via API.
Direct bank integrations across East, West, and Southern Africa. RTGS, EFT, SWIFT, and SEPA support. Automated payroll disbursement from ANED HRM. Bulk payment processing for NGO beneficiary transfers and supplier payments.
VISA, Mastercard, and Verve card acceptance via web, USSD, and POS terminals. 3D Secure support. Tokenization for recurring billing. Integration with retail modules in ANED ERP for point-of-sale transactions.
Automated invoice generation from ERP sales orders, CRM projects, and HRM contracts. Multi-currency invoicing, tax calculations (VAT, withholding), payment reminders, and credit notes. Client-facing payment links via email and SMS.
Multi-currency settlements across 15+ African currencies with real-time FX rates. Compliance with local central bank regulations. SWIFT transfers for international donor payments and procurement. NGO-specific cross-border grant disbursement workflows.
Automated reconciliation between payment gateway records and accounting entries in ANED ERP. Exception reporting, failed payment handling, and daily settlement reports. Palo Analytics integration for payment trend dashboards.
ANED Pay scales from a single M-Pesa integration to a full embedded finance platform. Choose the transaction volume and channels that fit your business.
Starter
Up to $10K/month volume
Basic SLA included
M-Pesa Kenya integration, basic invoicing, and the ANED Pay dashboard for businesses taking their first payments. No setup fee required.
Up to 3 team members. Start accepting payments immediately with zero upfront cost.
Business
Up to $500K/month · 0.8% fee
Standard SLA available
All mobile money channels, bank transfers, EFT, bulk disbursements, and automated invoicing for growing businesses handling significant payment volume.
Up to 10 team members. Setup covers API integration, channel configuration, and 3 days of onboarding.
Enterprise
Unlimited volume · 0.4% fee
Premium SLA available
Full channel coverage including SWIFT, cross-border FX, POS terminals, VISA/Mastercard acceptance, and multi-currency settlements for enterprise-scale operations.
Unlimited team members. Full API integration, custom workflows, and 7 days of dedicated onboarding and training.
Financial Platform
Custom rates · Dedicated infra
Premium SLA available
Build embedded finance products on ANED Pay infrastructure. White-label payment flows, sub-merchant onboarding, and central bank compliance layer for platforms.
Includes dedicated infrastructure, custom API development, and a named account manager for your platform business.
Basic SLA
With Starter
Standard SLA
Included with Business
Premium SLA
Included with Enterprise & Financial Platform
Setup fees are one-time and cover API integration, channel configuration, and onboarding as specified per tier. Annual license fees renew automatically. Transaction fees apply to successful payments only. Prices shown in USD; KES, NGN, GHS, and UGX billing available. Talk to our team for a tailored quote.
Real-time M-Pesa STK push, C2B, B2C, and B2B APIs for Kenya and Tanzania with instant confirmation and reversal handling.
MTN MoMo across Uganda, Ghana, Cameroon, Rwanda. Airtel Money in Uganda, Kenya, Tanzania, and Zambia. Bulk disbursement support.
Orange Money for Senegal, Mali, Ivory Coast, and Cameroon. Wave for Senegal and Ivory Coast. West Africa payment coverage.
Feature-phone-friendly USSD payment flows for low-connectivity markets. No smartphone or internet required for end users.
Direct bank integrations across East, West, and Southern Africa. RTGS and EFT for high-value, same-day settlements.
SWIFT for international donor payments, procurement, and grant disbursements. Cross-border compliance with local central bank regulations.
VISA, Mastercard, and Verve card acceptance via web checkout and USSD. 3D Secure support and tokenization for recurring billing.
Multi-location POS integration for retail ERP. Card terminal management, offline transaction queuing, and daily settlement reports.
Auto-generated invoices from ERP sales orders, CRM projects, and HRM contracts. Multi-currency, VAT calculations, and payment links.
Direct payroll disbursement from ANED HRM to bank accounts and mobile wallets. Per diem, tax withholding, and PAYE compliance built in.
Upload and process thousands of payments in a single batch. Supplier payments, beneficiary transfers, and agent commission payouts.
NGO-specific donor-to-beneficiary workflows with full audit trails, central bank compliance, and multi-currency grant disbursement.
Real-time FX rates across 15+ African currencies. Automatic conversion, FX gain/loss tracking, and IFRS-compliant revaluation in ANED ERP.
Automated matching of gateway records to accounting entries in ANED ERP. Exception reports, failed payment handling, and settlement summaries.
Palo Analytics integration for payment trend dashboards, channel performance tracking, fraud pattern detection, and cash flow forecasting.
Build payment products on ANED Pay infrastructure. White-label checkout, sub-merchant onboarding, and split-payment flows for platforms.
From M-Pesa to SWIFT, from payroll to grant disbursements — ANED Pay connects it all natively into your ANED Suite products.