The Lekki-Ikoyi link bridge in Lagos, lit at night over the water

Multi-service · Multi-currency · Africa first

A new layer in the payment stack.

ChampPay is building acceptance, settlement and treasury infrastructure for African businesses—starting in Nigeria, where the phone in a merchant’s hand becomes the terminal.

See what we are building Start a conversation

Merchant acceptance Instant settlement Multi-currency treasury Digital-asset liquidity

Under the surface

The payment is one moment. The system behind it is the product.

ChampPay brings the front counter, the settlement trail and the money a business holds into one operating view. Less hardware. Fewer hand-offs. A clearer answer to what moved and where it went.

See the acceptance architecture

01AcceptCard, phone, QR or proximity

02SettleA traceable path to the merchant

03OperateTakings, staff, stock and reconciliation

Merchant acceptance

The terminal can be the phone already in the merchant’s hand.

SoftPOS turns a compatible Android handset into a contactless acceptance surface. QR and proximity methods widen the entry points; one operational layer keeps the records together.

The interface is only the visible edge. Routing, risk, reconciliation and settlement design decide whether the experience holds together after the tap.

How the methods fit together

No separate terminal
Android SoftPOS

One operating view
Merchant account

More ways to pay
QR & proximity

CHAMPPAY

Amount due

₦5,000.00

Adeola’s Kitchen · Lekki Phase 1

Tap card or phone

Ready

Android SoftPOS

Contactless acceptance on a compatible NFC handset.

Static & dynamic QR

A fixed code for the counter or a generated code for a specific amount.

Proximity payment

A nearby transfer path without reading an account number aloud.

Merchant operations

Payment records connected to the work of running the business.

Interface illustration for explaining system design. Product scope and commercial terms are discussed privately.

One company, three conversations

Money changes shape as a business grows.

A merchant accepts naira today, plans a dollar purchase tomorrow and may need an institutional route across a border next month. ChampPay is organised around that connected journey.

Merchant paymentsAcceptance methods and operating records shaped around the same merchant account.Explore acceptance → Multi-currency treasuryA business view of balances, supplier payments and cross-border movement.Explore treasury → Institutional liquidityRole-separated digital-asset introductions for professional counterparties.Explore liquidity →

The market

African commerce is already digital. Merchant infrastructure has to catch up.

The interesting question is no longer whether people will pay electronically. It is whether the business taking the payment gets a resilient, comprehensible and affordable operating experience.

That is why the phone, the settlement trail and the merchant record belong in the same conversation.

A busy Lagos street with traffic and market stalls — Lagos · everyday trade

Population

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Nigeria, latest World Bank observation.

GDP

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Current US dollars, latest World Bank observation.

USD / NGN

—

Indicative market reference; not an executable quote.

USD / ZAR

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Indicative comparison for a regional corridor.

Population and GDP: World Bank Open Data. Rates: open.er-api.com. Market context only; not ChampPay performance.

Who we work with

The right conversation for each side of the system.

A merchant, a regulated institution, an investor and a referral partner each need a different level of detail. Start with the page written for your role; continue privately where confidentiality matters.