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One API.Multiple payment providers.Proof for every payment.

Route collections, payment links and split payments through one API, with a SHA-256 proof receipt for every settled transaction. Paystack is verified end to end in test mode. Yoco and PayFast run against sandbox credentials. Ozow and Stitch (PayShap, RTC) adapters are built but not yet connected.

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Built for South Africa · Not yet processing live customer volume · Other markets on the roadmap

The orchestration layer

One API call. Routed to the right rail.

Your code calls one endpoint. The routing engine scores eligible providers and rails, selects one, and records the decision and its fallback order.

Payroll runs

Salary advances

Repayments

Invoices

Subscriptions

FinVeil Gateway

Orchestration layer

Scored routing

Webhook normalisation

Retry + idempotency

Audit receipts

Fallback order recorded

Paystack

Yoco

PayFast

Business triggers

Payroll runs

Salary advances

Repayments

Invoices

Subscriptions

FinVeil Gateway

Orchestration layer

Scored routing

Webhook normalisation

Retry + idempotency

Audit receipts

Fallback order recorded

Licensed providers

Paystack

Yoco

PayFast

The FinVeil platform

One platform. Recorded routing. Proof receipts.

Every module works standalone or together. Pay only for what you use.

Illustrative — not customer data

Payment Orchestration

One API call. The routing engine scores providers and records why it chose one.

Illustrative — not customer data

FinVeil Connect

Split payments between parties via Paystack subaccounts. Each share settles at source.

Illustrative — not customer data

Instant Payouts

Batch payouts with two-person approval. Payout rails are not connected yet.

Illustrative — not customer data

Transaction Proof

A SHA-256 proof receipt for every settled transaction, batched hourly into a Merkle root.

Illustrative — not customer data

Collections API

Accept card payments through Paystack hosted checkout. One integration.

Illustrative — not customer data

Payment Links

Share a link, paid through Paystack checkout. Split payments supported. No code.

Illustrative — not customer data

Conditional Payouts

Approval records for payouts on approval, time, webhook or milestone conditions. No rail releases funds yet.

Reconciliation

A tally of internal transaction statuses. Matching against provider settlement reports is not built yet.

Illustrative — not customer data

Tax Engine API

Embeddable SA tax estimation and comparison. REST API.

Illustrative — not customer data

Rates & Inflation API

SARB repo, prime and CPI, polled daily. One endpoint.

Illustrative — not customer data

Wellness Suite

Financial health scoring for workforce analytics.

Mix and match. Pay only for what you use.

Where we are today

What works today, and what doesn't yet.

No vanity metrics. This is the current state of the platform.

Paystack

Card collections, payment links and split payments verified end to end in Paystack test mode.

Source: Paystack test-mode transactions

Sandbox

Yoco and PayFast integrations are built and run against sandbox credentials.

Source: FinVeil /api/health

Not connected

Ozow and Stitch (PayShap, RTC) adapters are built but not yet connected.

Source: FinVeil provider configuration

SHA-256

A proof receipt for every settled transaction, batched hourly into a Merkle root stored by FinVeil.

Source: FinVeil Transaction Proof

Test only

Fallback routing runs in test mode. Automatic live failover is on the roadmap.

Source: FinVeil routing engine

Pre-revenue

FinVeil has not processed live customer volume yet.

Source: FinVeil

Use cases

Built for businesses that move money.

Gaming, marketplaces, lending and banking partners. Each card says what works today and what is still on the roadmap.

iGaming & Sports Betting

Deposits and payouts, with a receipt for each.

SHA-256 proof receipts for settled transactions. ZAR card collections through Paystack. Payout rails are not connected yet.

Marketplaces & Gig Platforms

Batch payouts to many recipients.

Batch submission with two-person approval above your threshold. EFT, PayShap and RTC payout rails are built but not yet connected.

Cross-Border Payments

Cross-border payouts — on our roadmap.

Daily ZAR reference FX rates are built in. Cross-border payout corridors are not built yet.

Banks & Financial Institutions

White-label our orchestration layer.

Push-to-card with a BIN sponsor is on the roadmap. Talk to us about partnering on multi-provider orchestration.

Lending & Insurance

Disburse approved funds, with approvals built in.

Affordability checks and two-person approval on disbursement batches. Payout rails are not connected yet.

Developers

REST API with an OpenAPI spec.

Sign up in test mode and mint fvk_test_ API keys. SDKs are available on request.

From keys to scale

Five steps from test mode to live.

Sign up in test mode, integrate the REST API, test with Paystack test cards, then go live once your account is approved.

01 / 05·sign up

Get API Keys

Create your account. It starts in test mode, and an admin can mint fvk_test_ API keys. No credit card.

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Early access

Pilot integration case studies coming soon.

We are looking for our first pilot platforms. FinVeil has no live customer volume yet, so there are no metrics or case studies to show. They will be published here once they exist.

Join the pilot programme

First 10 platforms onboard with zero monthly fees for 90 days — pay only per-transaction.

Apply for pilot

Ready to move money faster?

Sign up in test mode. Build against the API. Go live once your account is approved.

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