One wallet, seen from both sides.

Run cross-border corridors from one console.

Configure and monitor cross-border flows for staff, suppliers, treasury or your own customer product. Reach 37 African countries from one integration.

Available two ways: through the Public API for straight-through settlement, or inside your branded wallet as a consumer product.

• 37 countries across Africa, paid out to wallet, bank account or cash pickup
• Corridor configuration, quote visibility and transaction operations in the admin console
• Live quotes with locked rates, and the fee shown before anyone confirms
• Available through the Public API alone or embedded in a branded wallet
• The same corridors for staff, supplier, treasury and customer remittance

On your customers' side: they send money home from inside the wallet. See it →

Programmable repayments, from first instalment to final settlement.

Set the repayment rules once and let the wallet execute them. Collections run inside the network, rather than as bank debit orders that may or may not go through, and every instalment stays visible from schedule to settlement.

You make the credit decision. We disburse it and collect it back. Spendl does not assess affordability, price credit or lend.

• Disburse an approved offer straight into the borrower’s wallet
• Programmable repayments with configurable amount, frequency and collection date
• No collection charge in-network
• No chargeback exposure, because deductions settle inside the network with no bank debit to reverse
• Pause, resume, cancel or extend any obligation
• Automatic arrears sweep for missed instalments, plus settlement batches for bulk reconciliation

Take deposits however your customers already pay.

Give customers one wallet they can fund by card, instant bank transfer, EFT, cash at a till or QR. Every payment method posts into the same balance and ledger, so your team has one account to reconcile, however the money came in.

One account across card, EFT, PayShap, RTC, Pay@ and Zapper.

• Card: Visa or Mastercard top-up, debit or credit, through Pay@
• PayShap and RTC: instant bank deposits, available to spend immediately
• EFT: familiar account-to-account funding, usually reflected within hours
• Pay@ cash at the till: notes handed over at Shoprite, Pick n Pay, Boxer, Checkers, Usave or Spar become wallet balance
• Zapper QR: scan and fund from any Zapper-enabled app
• One ledger and one reconciliation view across every funding method

Send once, or disburse in batches across your network.

Move funds from your business wallet to one recipient or several hundred. Existing users are paid the instant you send, with no transfer fee. An unrecognised email gets a held transfer plus an invitation, so a missing account never blocks a payout run.

• Single transfers and multi-recipient batch disbursements
• Per-recipient amounts, safe to retry, and an auditable result for every payout
• Immediate settlement to existing wallets in your network, with no transfer fee
• A held transfer and a sign-up invitation when a recipient has no wallet yet; unclaimed funds return after 90 days

Slow-moving capital should earn while it waits.

Not all float moves at the same speed, and treating it as if it does leaves money on the table. We model capital velocity per client and per channel, so the slower your eligible capital moves, the more it can earn.

Settlement comes first, always. What the remainder earns is agreed per client during contracting, not advertised on a website.

• Capital-velocity profiles curated per client, per channel and expected holding period
• Slower-moving eligible capital carries higher earning potential
• Operational liquidity stays available for faster-moving payment and settlement pools
• Funds held with registered asset managers or financial institutions
• Tenant-scoped balance, settlement, reconciliation and audit visibility

Operate every customer and money flow from one console.

Give the teams running your programme one console for customers, KYC, cards, business wallets, transactions and the product modules enabled for your business.

• Search and manage users, account status, balances and transaction activity
• Review KYC and screening states, card operations and supporting documents
• Control feature flags and staged product rollouts
• Inspect journals, suspense items, escrow activity and auditable admin actions
• Monitor remittance, Pay@, Zapper and payout operations where enabled

Reconcile everything in one place.

Every transaction, from every payment method and partner, posts to a double-entry ledger you can query in real time. No chasing CSVs at the end of the day, no spreadsheet only one person understands, just one set of books that balances.

• Double-entry ledger across every payment method, posted as transactions happen
• One reconciliation view spanning card, EFT, PayShap, RTC, Pay@ and Zapper
• Exportable audit trails for your finance team and external auditors
• Chart-of-accounts mapping for your business

Compliance that's been there from day one.

Onboarding captures KYC and screening state for every customer. Transaction records, screening history and signed events give compliance teams one operational trail to review.

• Identity, PEP and sanctions screening built into onboarding
• Screening status and history with clear manual-review states
• Every posting streamed to your monitoring and fraud tooling as it lands
• Exportable transaction and ledger records for audit review

Reward the behaviour you want, with things people actually use.

Airtime and partner vouchers as incentives, engagement drivers or loyalty rewards, backed by configurable gamification rules.

• Airtime, grocery and retail vouchers, and bank cash-sends such as FNB eWallet, through integrated partners
• Gamification engine: XP, milestones, streaks and leaderboards
• Configurable reward pools with approval workflows
• Every reward tracked and reconciled in your admin console

On your customers' side: they redeem and spend rewards from inside the wallet. See it →

Payday that arrives the moment you press pay.

Payroll on Spendl puts salaries into wallets your people can spend from immediately, with no banking window to wait on. Every employee gets a wallet and a card, bank account or not.

Batch disbursement is live today. Full payroll, with schedules and employee records, is in build.

• Salaries reach the wallet as soon as payroll runs
• Disbursement cost stays flat as headcount grows
• Every employee gets a wallet and card without needing a bank account

On your customers' side: staff receive and spend from the wallet like any other customer. See it →