Nigerien fintech startup iFutur has launched a new digital payment aggregation platform, iPay Money, designed to help businesses accept multiple electronic payment methods through a single system. The initiative aims to simplify payment collection for merchants while expanding access to digital financial services across Niger.
Developed in Niamey, the platform enables companies, service providers, and organizations to receive payments through various channels, including mobile money, bank cards, payment links, and QR codes. By integrating these options into a unified infrastructure, iPay Money allows businesses to manage different payment streams from one interface.
The company says the platform is designed to improve both operational efficiency for merchants and the overall payment experience for customers. Rather than managing several independent payment systems, businesses can consolidate transactions through a single dashboard that tracks payments, manages funds, and facilitates transfers to partners or suppliers.
According to iFutur, this centralized approach reduces operational complexity for companies that rely on multiple digital payment channels. Merchants can monitor incoming funds, analyze transactions, and process payouts using the same platform, helping streamline financial management and improve transparency.
The solution is intended to serve both online and offline merchants. Businesses with websites or e-commerce platforms can integrate iPay Money to collect payments directly from customers. At the same time, the platform also provides tools designed for merchants operating without internet connectivity or advanced digital infrastructure.
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One of the key features supporting offline commerce is the use of USSD payments, which allow customers to complete transactions using basic mobile phones. This feature enables payments without requiring smartphones or internet access, expanding the reach of digital transactions in areas where connectivity remains limited.
In many parts of Niger and across West Africa, mobile phone ownership is widespread but smartphone usage and internet penetration are still uneven. By enabling payments through USSD technology, the platform aims to include a broader range of merchants and customers in the digital economy.
iFutur stated that iPay Money integrates several payment partners, including mobile money operators and bank card networks. This integration allows merchants to accept payments from different financial ecosystems, giving customers greater flexibility in choosing how they pay.
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Beyond basic payment acceptance, the platform also offers additional digital tools designed to support business operations. Merchants can collect funds online, generate payment links for remote transactions, create digital storefronts, and automate transfers to partners or suppliers.
These features position iPay Money not only as a payment processor but also as a broader financial infrastructure for businesses. The system is designed to help merchants digitize their operations, improve transaction management, and expand their ability to conduct business both online and offline.
The launch reflects growing interest in fintech solutions across Africa as companies seek to accelerate the adoption of digital payments and reduce reliance on cash-based transactions. Governments and financial institutions across the continent have increasingly promoted digital financial services as a way to improve financial inclusion and strengthen economic participation.
For Niger, where many small businesses operate in informal markets, tools that simplify electronic payments could help integrate more merchants into the formal financial system. Easier access to digital payments can also improve record keeping, increase business efficiency, and expand access to financial services such as credit or digital banking.
Through the development of iPay Money, iFutur aims to support the digital transformation of commerce in Niger while making electronic payment tools more accessible to businesses of all sizes.
The company also hopes to expand the platform’s use beyond Niger, targeting regional markets where merchants face similar challenges in managing multiple payment channels and adopting digital financial services.
