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We are a B2B technology provider with a unique digital payments platform, providing Last Mile solutions to the unbanked and underserved.

We provide biometric digital identity to guarantee proof of life and enable low cost last mile delivery of basic financial services.

Paycode

Paycode's biometric digital identity and payments technology works seamlessly everywhere in the world. We simplify payments in deep rural areas giving people the ability to transact offline in real time.

Our technology supports multiple data types including biometrics, KYC (Know-Your-Customer) data, location data, health data and more. Any financial institution, central bank, government or company can utilise our technology to enhance their own systems, or add innovative solutions to existing products and services.

As specialists in last mile delivery and proof of life we believe we can significantly impact financial inclusion in Africa by giving biometric digital identity and low cost access to basic financial services to the underbanked and underserved.

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An Award-Winning Fintech Company

Our innovative technology has been recognised by the world's leading industry players including Citi, IBM, Mastercard, Microsoft, PWC, the International Monetary Fund, Gemalto, Thales, KPMG, the South African Reserve Bank, Mondato, Pay360, Ecobank, the Digital Banker and Women's World Banking

One platform.
Multiple solutions.

Paycode's biometric digital identity and payments technology works seamlessly everywhere in the world. We simplify payments in deep rural areas giving people the ability to transact offline in real time.

Our technology supports multiple data types including biometrics, KYC (Know-Your-Customer) data, location data, health data and more. Any financial institution, central bank, government or company can utilise our technology to enhance their own systems, or add innovative solutions to existing products and services.

As specialists in last mile delivery and proof of life we believe we can significantly impact financial inclusion in Africa by giving biometric digital identity and low cost access to basic financial services to the underbanked and underserved.

Paycode solutions

We solve the 3 key barriers to financial inclusion: identity, connectivity and cost

Around the world, 1 billion have no formal identity, 3.7 billion don't have any connectivity and 1.7 billion people remain unbanked.

True financial inclusion should enable everybody in society to have access to financial services regardless of their income, savings or location.

01

IDENTITY

02

CONNECTIVITY

03

COST

Biometrics Identity
Identity

We create biometric digital identity using field teams that go to deep rural areas. We utilise tablet-based proprietary technology to capture individuals' identities and issue cards within minutes in the field. Our trained local operators register biometric and KYC data and issue cards at a rate of 5-7 minutes per user.

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How it works

Paycode has given governments, central banks, commercial banks and donor organisations the ability to give biometric digital identity and affordable access to basic financial services to the unbanked and underserved.

Using secure biometric smart cards or mobile interfaces, we've made world-class digital financial services infrastructure that works offline in real-time. We enable seamless interoperability between ecosystem players which gives people easy to cash, mobile money, remittances, insurance, microloans, airtime, electricity and pensions and social grants.

For detailed technical information, specifications and more, please download our solution guide by clicking on the links below.

Team

Gabe Ruhan

Chief Executive Officer

  • LinkedIn

Gabe is a seasoned entrepreneur having co-founded data centre operator, Global Switch in 1998. After a spell as Chief Operating Officer at cloud service provider Navisite Inc (Nasdaq) he returned to the UK to restructure struggling marine engineering company, Global Marine. He previously served as Paycode's Chairman.

Case Studies

The Bank of Ghana selected Paycode's EDAPT technology to provide a turnkey solution for a National Payment Switching & Settlement System for Ghana.

Case Study Ghana

Ghana

The Bank of Ghana selected Paycode's EDAPT technology to provide a turnkey solution for a National Payment Switching & Settlement System for Ghana.

Case Study Zambia

Zambia

Paycode supported the roll-out of $22 million in farmer subsidies for the Farmer Input Support Program (FISP) for the Zambian Department of Agriculture, onboarding 198 000 farmers in deep rural areas in under 8 weeks.

Case Study Mozambique

Mozambique

Paycode created biometric digital identities and distributed cash payments to 18 000 social grant recipients in Mozambique as part of a World Bank funded program with the Instituto Nacional de Accao Social (INAS)

Case Study DRC

DRC

Paycode issued biometric ID cards and collected taxes for 20 000 taxi motorcyclists from the National Agency of Motorcyclists of Congo (ANMC) in 8 cities across the DRC for the Ministry of Transport.

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