For BusinessOpen bankingPlatformSecurityDevelopers
Coming soon · onboarding founding businesses

The payment network for every business every market every rail the next economy

Give your business a mini POS and an app to accept every payment — card, transfer, QR and tap-to-pay. Underneath, SCALE’s biometric open-banking network settles across every bank, instantly.

Join the waitlist See SCALE for Business
Bank-grade security Biometric approval Works offline
PartnerApp
Secure checkout · SCALE°
You’re paying
₦••••••
Amount confirmed privately on your device
OrderPartnerApp · Checkout
Pay fromSCALE balance / bank
Pay with SCALE°
Encrypted end-to-end
SCALE — choose your preferred bank from major Nigerian banks

Verifying it’s you

Face ID · nothing moves without consent

Approved

Biometric match confirmed

Settled instantly
Bank railRouted automatically
Merchant paidPartnerApp notified
← Returning you to PartnerApp
Payment receivedSettled instantly
Tap to payMini POS ready

Built to sit above banks, wallets, cards, merchants, and financial rails.

Why SCALE

Africa’s payments are fragmented. We make them one.

Dozens of banks. Countless wallets. Cards, transfers, QR and USSD that don’t talk to each other. For a business, that means failed payments and lost sales.

Every bank and wallet is a separate integration
Payments fail when a single rail goes down
SCALE unifies them into one network and one approval
Smart routing finds a path that works — every time
SCALE° one network
Product 01 · SCALE for Business

Start with a tap.
Grow into a network.

Our first customers are businesses. Order a SCALE mini POS, download the app, and start taking payments the same day — no bank visit, no paperwork marathon. It’s the simplest way to get paid in Africa.

Mini POS, in minutesUnbox, pair, start selling.
Tap, card, QR & transferAccept every way people pay.
Settlement in the appTrack every sale as it lands.
Works offlineAuthorize now, settle on reconnect.
SCALE mini POS hardware family — card readers and terminals
Tap, pay, sorted
STEP 01

Order your SCALE POS

Sign up your business and get a mini POS delivered, paired to the app.

STEP 02

Accept any payment

Tap-to-pay, card, QR or transfer — the customer approves, it’s done.

STEP 03

Settle & manage in the app

Watch money land, track sales, run your business from one app.

Bank connected
SCALE open banking — pick your preferred bank from major Nigerian banks
Open banking, the easy way

Pick your bank.
We handle the rails.

It works like connecting a wallet: your customer chooses their bank once, approves with biometrics, and SCALE routes the payment across the right rail — every major Nigerian bank, one tap.

One consented connectionLink a bank once — no card numbers, no re-typing.
Every major bank & fintechGTBank, Zenith, Access, UBA, FirstBank — plus Moniepoint, OPay, Flutterwave and Paystack.
Biometric approvalFace or fingerprint confirms — nothing moves without consent.
Smart rail routingSCALE finds the fastest path so fewer payments fail.
On the SCALE network
Moniepoint OPay Flutterwave Paystack GTBank Zenith Access UBA FirstBank Wema + more at launch
Pay with SCALE

Anywhere you pay, in four taps

The same network powers checkout inside any app, online or in-store — without exposing a card.

1

Tap “Pay with SCALE”

Inside any app or at the POS, choose SCALE to pay.

2

See what you’re paying

A secure screen shows exactly what, and to whom.

3

Approve with biometrics

One face or fingerprint authorizes the payment.

4

Settled & back

SCALE settles across the right rail and returns you instantly.

The platform

One layer. Every payment surface.

SCALE is not just a wallet — it’s the infrastructure beneath wallets, banks, cards, merchants and rails.

Flagship

Tap to Pay & Mini POS

A mini POS and app that turn any business into a payment point — the wedge into the whole network.

SCALE POS devices
Live in the app

The SCALE app

Home base for your business — balance, payment links, withdrawals, transactions.

SCALE app home — accept contactless payment, balance card, payment link, withdraw, transactions and business account

Biometric Checkout

Face or fingerprint replaces passwords and OTPs.

Card & Wallet Vault

Tokenized cards and wallets, bound to the device.

Open Banking Layer

Pick a bank once and pay across fragmented banks, wallets and fintech rails — Moniepoint, OPay, Flutterwave, Paystack and more — through one consented API.

Offline / Edge Settlement

Authorize offline; settle when the network returns.

Developer APIs

One SDK for biometric payments and settlement.

Government & CBDC Ready

Architected for CBDCs, public disbursement and regulated rails.

Fraud Intelligence

Real-time risk scoring on every signal.

Payment Links

Send a link, get paid — straight from the app.

The network underneath

The most efficient way to move money in Africa.

Every POS tap and “Pay with SCALE” runs on the same network — one built for the realities of the continent: many banks, many wallets, uneven connectivity. SCALE makes all of it feel like one.

Smart routing, fewer failed paymentsIf one rail is down, SCALE finds another.
One experience for merchantsAnd one trusted biometric approval for users.
Offline & low-connectivity readyDesigned to keep working where the signal doesn’t.
Future-readyCBDCs, remittance, government payments and tokenized assets.
A customer tapping a card on the SCALE mini POS terminal
Routed across every rail, automatically
Security

Security is not a feature.
It is the operating system.

Every payment is wrapped in consent, cryptography and continuous risk analysis — from device to settlement.

Biometric authentication

Face and fingerprint approval, anchored to the user.

Tokenized card vault

Real card numbers become tokens. Merchants never see them.

Device binding

Keys bound to a trusted device, so approvals can’t be replayed.

Bank-grade encryption

Encrypted in transit and at rest with audited cryptography.

Fraud scoring

Every transaction scored on device, identity and behavior.

Real-time risk engine

Block, step-up or approve as risk changes, instantly.

User consent layer

Nothing is charged without explicit, recorded approval.

Transaction audit trails

Immutable, exportable records for compliance and disputes.

For developers

Stripe-grade infrastructure for biometric money.

Drop in one SDK, accept a biometric payment, route across banks and track settlement — without touching a card number.

One biometric payment SDK
Multi-bank routing
Webhooks & settlement tracking
Identity verification
Risk scoring
Offline transaction sync
// Charge a customer with one biometric approval
const payment = await scale.payments.create({
  amount: 24500,
  currency: "NGN",
  method: "biometric",
  merchant: "PartnerApp",
  callback_url: "partnerapp://payment-success"
});

if (payment.status === "settled") app.fulfill(payment.reference);
# Charge a customer with one biometric approval
payment = scale.payments.create(
    amount=24500,
    currency="NGN",
    method="biometric",
    merchant="PartnerApp",
)

if payment.status == "settled":
    app.fulfill(payment.reference)
curl https://api.scale.africa/v1/payments \
  -H "Authorization: Bearer sk_live_..." \
  -d amount=24500 \
  -d currency=NGN \
  -d method=biometric \
  -d merchant=PartnerApp
The ecosystem

The layer between everyone and every rail.

SCALE sits in the middle — turning one approval into settlement across the whole financial graph.

SCALE° payment network
FAQ

Good questions, clear answers

What is SCALE?
SCALE is a payment network for Africa. Businesses get a mini POS and an app to accept every kind of payment, while a biometric open-banking layer underneath settles across banks, cards and wallets — so one approval works everywhere.
Who is it for first?
Businesses. Our first customers are merchants — from a single stall to a growing chain. They get a SCALE mini POS and use the app to accept payments and manage settlement. Consumers and developers plug into the same network next.
How does “Pay with SCALE” work?
Inside any app or at a POS, the customer chooses SCALE, sees exactly what they’re paying, approves with a face or fingerprint, and SCALE routes the payment across the right rail — then returns them to where they started.
Which banks are supported?
SCALE is built to connect the major Nigerian banks and wallets through one open-banking layer, with more rails added over time. Customers pick their bank once and it’s remembered for next time.
Is it secure?
Security is the foundation, not an add-on. Biometric approval, a tokenized card vault, device binding, bank-grade encryption, real-time risk scoring and full audit trails protect every transaction from device to settlement.
When can I get it?
SCALE is launching soon and onboarding founding businesses and developers now. Join the waitlist and we’ll reach out as access opens.

One network.
Every payment. Built for Africa.

Be first to put SCALE in your business — or build on the network underneath. We’re onboarding founding partners now.

No spam — just launch news and early access for businesses and developers.

SCALE is the payment layer for the next billion users.

Join the waitlist