Pay Mart — Europe's payment bridge to Africa
Payment infrastructure
for the Europe – Africa bridge
Cabo Verde Fintech, Payment and Customer Management Platform — IT building, support, and full compliance. Modular, API-first payment platform available as White-Label or integrated with BaaS providers. Multi-currency e-wallets, SEPA/SWIFT payments, card issuing, crypto-fiat exchange, AML/KYC compliance.
One platform, every payment need
Paymart Suite delivers production-grade payment infrastructure through a modular architecture. Implement only what you need, scale when you're ready.
We built Paymart after years of deploying payment systems for institutions operating between Europe and Africa. The same problems kept appearing: legacy cores that couldn't handle multi-currency, compliance tooling bolted on as an afterthought, card programs taking 18 months to launch. We designed Paymart Suite to eliminate those bottlenecks — processing thousands of transactions daily across 16 Cape Verdean banks and connected institutions, with compliance built in rather than retrofitted.
The platform runs on 50+ independent modules. Deploy one. Deploy all. No forced bundling. RESTful APIs connect everything, with sandbox environments and full documentation. Integrate in days, not months.
Modular Architecture
50+ independent modules you can deploy individually or as a full suite. No forced bundling, no unnecessary complexity.
API-First Design
RESTful APIs for every module. Integrate in days, not months. Full documentation, sandbox environments, and development tools.
Cloud-Native SaaS
Multi-tenant platform on secure cloud infrastructure. Automatic updates, 99.9% uptime SLA, horizontal scaling.
White-Label Ready
Brand the entire platform as your own. Custom UI themes, domain mapping, full tenant isolation.
What regulators and auditors expect
Security Compliant
PCI Audit Ready
Web App Firewall
Encryption at Rest
Encryption in Transit
Uptime SLA
50+ modules. One platform. No forced bundling.
Each module is a self-contained service with its own API. Deploy what you need today, add more tomorrow. The modules below are the most commonly implemented — see the full list on the features page.
Accounts
Core banking accounts with multi-currency support, IBAN generation, KYC/AML onboarding, and full lifecycle management.
Payments
SEPA credit transfers, SWIFT international payments, instant payments, and batch processing for high-volume operations.
Cards
VISA and Mastercard card issuing, virtual and physical cards, 3DS authentication, full card management, and spend controls.
Loans
Lending management with automated scoring, disbursement, repayment tracking, and regulatory-compliant loan portfolio management.
FX
Foreign exchange with real-time rate management, automated hedging, multi-currency conversion, and competitive spread controls.
Commerce
E-commerce acquiring, POS integration, merchant onboarding, settlement management, and payment method orchestration.
Open Banking
PSD2-compliant APIs, account aggregation, payment initiation services, and data sharing with third-party providers.
Compliance
Transaction monitoring, regulatory reporting, sanctions screening, fraud detection, and full audit trail management.
Why Cabo Verde?
Four hours from Lisbon. Six hours from Lagos, Accra, and Dakar. Cabo Verde sits on the main submarine cable routes between continents — and its financial regulations are harmonized with European standards, enabling SEPA access and SWIFT connectivity for institutions based in the archipelago.
EU-Aligned Regulation
Cabo Verde's financial regulations are harmonized with European standards, enabling SEPA access and SWIFT connectivity for institutions based in the archipelago.
Strategic Location
Four hours from Lisbon and six hours from major African financial centers. Cabo Verde sits on the main submarine cable routes between continents.
Licensing Gateway
Obtain a payment institution license from the Bank of Cabo Verde and operate across both European and African corridors under a single regulatory framework.
Growing Fintech Network
Cabo Verde is actively developing its fintech infrastructure with favorable tax regimes and government support for digital financial services.
Who deploys Paymart Suite?
Electronic Money Institutions
Launch e-money operations with full KYC/AML, IBAN accounts, card issuing, and SEPA transfers. EMIs expanding into African markets can go live in weeks, not quarters.
Banks
Augment existing infrastructure with modern payment modules. Replace legacy systems incrementally. Maintain SWIFT and SEPA connectivity throughout migration. No big-bang risk.
Fintech Startups
From MVP to scale. Start with Accounts and Payments. Add Cards and FX as you grow. No upfront investment in infrastructure.
Payment Service Providers
Offer acquiring, FX, and cross-border payments to merchants across both continents. White-label the entire platform for your brand.
Your license or ours — both work
Paymart Suite runs as a fully independent payment system with your own license, or integrated with BaaS providers for banking infrastructure — IBAN accounts, SEPA/SWIFT payments, and co-branded card issuing. Choose your market entry model: from quick BaaS launch to building your own licensed financial institution.
White-Label Platform
Paymart Suite is provided as a White-Label platform, enabling the Client to use their own brand, custom web and mobile interfaces, and fully control the customer experience without any reference to the Contractor's brand.
BaaS Integration
Connect with Banking-as-a-Service providers for IBAN accounts, SEPA/SWIFT payments, and co-branded card issuing. Flexible market entry from BaaS to own license.
E-Wallets
Multi-currency payment accounts with creation and management, crypto-fiat exchange, SEPA/SWIFT transactions, and QR payments. Manage fiat and cryptocurrency balances in a single interface.
Crypto-Fiat Bridge
Exchange between cryptocurrency and fiat currencies. Built-in conversion engine with real-time rates and compliance controls.
Card Issuing
Issue your own or co-branded payment cards. Full card lifecycle management with 3DS authentication and spend controls.
Mobile Apps
Native Android and iOS applications. Your customers manage accounts, make payments, and exchange currencies from their phones.
Request a demo
Tell us about your project and we'll prepare a customized demonstration of how Paymart Suite can support your payment operations.