A business owner celebrating a confirmed payment on his phone

Financial technology that connects payments, software and infrastructure

Azure Pay helps financial institutions, businesses and public sector organisations develop the technology behind their financial operations.

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Connect payment channels with your operational systems

Gateway integration, mobile money and banking connectivity, ledgers, settlement and reconciliation.

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Software shaped around the way your organisation works

Core banking, loan management, digital onboarding, business applications, APIs, reporting and analytics.

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The foundation for dependable digital operations

Servers, networks, cloud and on-premise environments, maintenance, backup and disaster recovery planning.

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A technology partner for connected financial operations.

Financial operations involve more than individual applications. Customer onboarding, transaction processing, account records, reporting and payment channels need to work together.

Azure Pay helps organisations connect these functions through software, integrations and supporting infrastructure. Our work spans the design of new systems, the improvement of existing applications and the deployment of technology needed to keep services operating.

Whether you are a lender digitising loan administration, a business connecting payment channels or an institution modernising its infrastructure, we help translate your requirements into a practical technical solution.

Based in Lusaka, Zambia, we build solutions around the operational needs of organisations serving African markets.

About Azure Pay

Our core services

Payments and Financial Infrastructure

Connect your systems to the channels customers use to pay.

Build connections between your business systems and the channels your customers use to pay. We support payment gateway integration, merchant payment aggregation, mobile money and banking connectivity, ledger design, and settlement and reconciliation workflows.

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Financial Software and Custom Development

Systems designed for your organisation.

Bring customer information, financial records and operational workflows into systems designed for your organisation. Our capabilities cover core banking, loan management, digital onboarding, business applications, APIs, reporting and analytics.

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ICT Infrastructure and Technical Services

The technology your applications run on.

Support your applications with the underlying technology they need. We provide server and network setup, cloud and on-premise infrastructure, equipment deployment, maintenance, backup and disaster recovery planning.

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One partner across the whole stack.

Collecting a payment, recording the transaction, updating a balance, settling funds and reporting on it each touch a different system. Applications, integrations and hosting environments influence one another.

We bring these areas together, so technical decisions are made as part of one overall solution rather than in isolation.

Payment channelsLedgersLoan administrationAPIs and middlewareServers and networksReporting

A customer smiling at a payment on her phone

A business owner celebrating a confirmed payment

Payment receivedMobile money · K 450.00

Loan approvedDisbursed to wallet

Technology that works for people.

Behind every transaction is a person: a customer paying by mobile money, a loan officer approving a facility, a parent settling school fees, a patient checking in at a clinic. We design systems around the people who use them every day.

Based in Lusaka, we build for the realities of organisations serving African markets, and we support digital services that can extend financial access to underserved people and businesses.

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Who we serve

Banks and Financial Institutions

Systems and integrations that support account administration, financial records, payments and institutional reporting.

Microfinance Institutions and Lenders

Digital tools for loan applications, assessment, disbursement, repayment tracking and portfolio oversight.

Fintech Companies and Mobile Network Operators

Software engineering and integration services for connected financial products and transaction workflows.

Businesses and SMEs

Payment connections, business applications and infrastructure that help reduce manual administration and improve operational visibility.

Government Agencies and Public Institutions

Technology services for digital workflows, payment-related systems, integration and infrastructure deployment.

NGOs and Development Organisations

Applications and infrastructure that support programme administration, financial workflows and service delivery.

How we approach your project

Understand Your Requirements

We begin with the people, processes and systems involved. This helps establish the problem to solve, the information that needs to move between systems and the outcomes your organisation expects.

Design the Solution

We define the proposed architecture, workflows, integrations and infrastructure requirements. The design provides a shared basis for implementation, including the controls and documentation relevant to the project.

Build and Integrate

We develop or configure the required applications and connect them to the agreed systems and services. Implementation is shaped around the project scope and the technical requirements of each integration.

Prepare for Deployment

We support testing, configuration, documentation and deployment preparation so that your team understands how the solution fits into day-to-day operations.

Support Ongoing Operations

Support and maintenance requirements are agreed around the solution, helping your organisation plan for updates, technical assistance and infrastructure management.

Start with the challenge you want to solve

Tell us what your organisation needs to improve, connect or build. We will help identify the services and technical considerations relevant to your project.

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