Payment Bridge: Europe ↔ Africa

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.

DORA PCI DSS Level 1 ISO 27001 MiCA GDPR SOC 2

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50+Modules

SEPAReady

SWIFTConnected

DORACompliant

The Platform

One platform, every payment need

Paymart Suite delivers enterprise-grade payment infrastructure through a modular architecture. Implement only what you need, scale when you're ready.

Modular Architecture

Modular architecture with 50+ independent modules you can deploy individually or as a complete suite. No forced bundling, no unnecessary complexity.

API-First Design

RESTful APIs for every module. Integrate in days, not months. Complete documentation, sandbox environments, and developer tooling.

Cloud-Native SaaS

Multi-tenant platform deployed on secure cloud infrastructure. Automatic updates, 99.9% uptime SLA, and horizontal scaling.

White-Label Ready

Brand the entire platform as your own. Custom UI themes, domain mapping, and full tenant isolation for each financial institution.

Enterprise Security

Trusted by Financial Institutions

ISO 27001/2

Security Compliant

PA-DSS

PCI Audit Ready

WAF

Web App Firewall

AES-256

Encryption at Rest

TLS 1.3

Encryption in Transit

99.9%

Uptime SLA

Modules

50+ powerful modules, one unified platform

Each module is a self-contained service with its own API. Deploy what you need today, add more tomorrow.

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.

Strategic Advantage

Cabo Verde: The natural bridge between Europe and Africa

Situated at the crossroads of continents, Cabo Verde offers a unique regulatory and geographic position for processing payments between European and African markets.

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

Just 4 hours from Lisbon and 6 hours from major African financial centers. Cabo Verde sits on the main submarine cable routes between the 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 Hub

Cabo Verde is actively developing its fintech ecosystem with modern infrastructure, favorable tax regimes, and government support for digital financial services.

Use Cases

Built for financial institutions

Electronic Money Institutions

Launch e-money operations with full KYC/AML, IBAN accounts, card issuing, and SEPA transfers. Perfect for EMIs expanding into African markets.

Banks

Augment existing banking infrastructure with modern payment modules. Replace legacy systems incrementally while maintaining SWIFT and SEPA connectivity.

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.

BaaS

Banking as a Service

Paymart Suite can be used 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.

Get Started

Request a demo

Tell us about your project and we'll prepare a tailored demonstration of how Paymart Suite can support your payment operations.

Payment infrastructure for the Europe – Africa bridge