Fast, secure and reliable transactions for businesses of all sizes.
Unlock the potential of cutting-edge payment solutions. At FIO Transact, we are at the forefront of the financial inclusion revolution, leveraging future-forward technology in collaboration with our esteemed tech partners.
WHY CHOOSE FIO TRANSACT
step into the future of financial empowerment
Our journey towards responsible, sustainable, and affordable access to financial products is unmatched. Achieving true financial inclusion means understanding the intricacies of managing your financial transaction options with unparalleled efficiency.
Extensive industry experience in the payments sector
A dedicated team of fintech experts driving innovation
Comprehensive suite of payment and communication products
Integration with global banks and strategic partnerships
Advanced payment technology for seamless transactions
Focused on supporting clients in fintech innovation and global strategy implementation
THE FULL SOLUTION
Our Essential Services for Seamless Transactions
Unlock a full suite of innovative financial services designed to streamline your business operations. From secure payments and real-time banking to digital wallets and credit management, our platform ensures seamless, efficient transactions tailored to your needs. Step into the future of fintech with solutions that simplify and empower.
Collections
Manage and automate collections, including DebiCheck and standard debit orders.
Real-Time Bank Statements
Provide clients with up-to-the-minute consolidated bank statements, enhancing financial transparency.
Affordable Distribution
Offer affordable distribution services via accredited Payment Distribution Agencies.
Digital Wallets (Wallet-as-a-Service - WAAS)
Secure, scalable digital wallet solutions running on a serverless architecture.
Payments
Support for all types of payments, from peer-to-peer transfers to large-scale business transactions.
Credit Information
Facilitate access to detailed credit data, empowering businesses to make informed financial decisions.
Debit Cards
Provide debit card services tailored to client needs, with co-branded options available for larger enterprises.
OUR INNOVATIVE FEATURES
Revolutionary tools for Modern Finance
Discover cutting-edge tools designed to enhance your financial experience. Our innovative solutions simplify transactions, streamline processes, and empower businesses to thrive in the digital landscape. Elevate your operations with technology that meets today’s financial demands.
Social Banking & Payments:
FIO Transact enables customers to perform banking transactions directly from social media platforms such as Facebook Messenger, WhatsApp, and Telegram. This pioneering solution provides convenience and security, certified by PCI and ISO27001 standards.
Multi-Channel Engagement:
Clients can engage users across multiple social media platforms, facilitating secure transactions and customer support.
Full-Stack Open Banking APIs:
Our platform provides a robust suite of full-stack Open Banking APIs designed to seamlessly integrate with your existing systems. These APIs support a wide range of financial services, including collections, payments, real-time bank statements, and credit management. With flexible, secure, and scalable infrastructure, businesses can streamline their financial operations, automate transactions, and access detailed financial data in real-time. Whether you’re managing large-scale payments or handling complex collections, our APIs offer the versatility needed to scale your operations efficiently while ensuring compliance with the latest banking standards.
FITE (Financial Inclusion Transaction Engine):
FITE represents FIO Transact’s commitment to financial inclusion. It is a hybrid transaction processing system that merges open and closed banking systems, enabling users to access affordable financial services. This platform is designed for individuals and businesses that have limited access to traditional banking. By leveraging mobile technology and the internet, FITE empowers users to access funds through structured and secure salary payout systems, providing financial sustainability and certainty.
HYBRID SYSTEM
Combines the benefits of open banking with the control of closed-loop transactions, offering flexibility while maintaining security.
Financial Inclusion
Focused on extending affordable financial services to underserved communities through mobile and web-based technologies.
Secure and Compliant
Operates within regulatory frameworks to ensure financial sustainability and user confidence.
OUR INNOVATIVE FEATURES
OUR TECHNICAL STACK
Microservices Architecture
The platform uses a microservices-based architecture for modularity and scalability, allowing businesses to adapt and grow.
Serverless Infrastructure
Our solutions run on a serverless infrastructure, which provides on-demand scalability, minimizing costs, and operational overhead.
API-First Approach
A robust API-first strategy ensures seamless integration with third-party systems and allows businesses to build custom applications with ease.
Data Security and Compliance:
The platform is built to meet the highest security standards, including PCI-DSS and ISO27001, ensuring data protection and regulatory compliance.
Our ecosystem
key partnerships
FIO Transact has established strategic partnerships with leading global fintech and software companies to deliver innovative solutions. Our key partners include:
Our collaborative approach
OUR BUSINESS MODEL
The FIO Transact business model revolves around leveraging cross-cutting technologies and shared services across sectors such as finance, construction, agriculture, and more. The model is built on the philosophy that the collective efforts of technology, product development, and service delivery exceed the sum of their parts. This collaborative approach ensures clients receive dynamic, innovative solutions tailored to their specific industry needs.
CONNECT WITH US TODAY
CHANGE THE WORLD WITH US
FIO HEAD OFFICE
Park Lane West Building, 6th floor, 194 Bancor Avenue, Menlyn Maine Pretoria, Gauteng, South Africa, 0010
CAPE TOWN, SOUTH AFRICA
50 Long Street Western Cape
Cape Town 8000
MAURITIUS
C/O Heimdall Ltd, 4th Floor, Office Block C, La Croisette, Grand
Baie, Mauritius
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