White-Label SolutionsCompleted 30 May 2025

White-Label Payment Orchestration Platform for Regional Partners

A branded, multi-tenant payment orchestration platform allowing regional partners to offer P2P transfers, bill payments, and virtual cards under their own brand — without rebuilding payment rails or compliance infrastructure.

Delivered for AfriPay Holdings

Next.jsReact NativeNode.jsKafkaPostgreSQLRedisTypeScriptPaystack ConnectFlutterwave

Duration18 weeks

Budget$268,000

Team Size9 people

RegionWest Africa

Key Features & Deliverables

Multi-tenant platform supporting 12 partner brands on shared rails
Per-partner theming, branding, and product-configuration portal
Payment orchestration across 7 processors with intelligent routing
P2P transfer, bill payment, and virtual-card product modules
Partner admin dashboard with analytics, settlements, and fee templates
KYC / KYB onboarding workflows with provider fallbacks
Programmatic partner API + webhooks for balance, transfers, and statements

AfriPay wanted to expand from direct-to-consumer payments into a partner-led model — enabling banks, telcos, and regional retailers to offer financial products under their own brand without building payment infrastructure.

Multi-Tenant Architecture

The platform layers tenant-isolated configuration, branding, and fee templates over shared payment rails. Each partner sees their own dashboard, their own branding, and their own settlement reporting while every underlying transaction flows through a single, fully audited ledger.

Go-to-Market Impact

Within the first 90 days of launch, five partners were live, ranging from a regional bank to a fast-moving consumer-goods distributor. The modular product layer allowed new brands to complete onboarding in under two weeks.

Challenges

AfriPay had strong domestic rails but no way to offer them cost-effectively to partners. Each partner engagement was being custom-built, taking 10+ weeks of engineering and creating a support nightmare. Branding, fees, and product selection were hard-coded per tenant.

Solution & Outcomes

We delivered a configurable, multi-tenant platform with per-partner theming, fee templates, KYC/KYB flows, and product selection. A partner API and webhook surface lets partners integrate programmatically, and an operations console handles settlements, reconciliations, and support cases.

Measured Impact

Time to onboard a new partner dropped from 11 weeks to under 2 weeks. Launch-quarter partner revenue contributed 38% of total group revenue, with 68% lower per-transaction support cost. The platform now processes $18M+ monthly across 12 active partner brands.

We were treating every partner like a bespoke build. PeerHub gave us a single configurable platform with branded front-ends, programmatic APIs, and an operating model we can actually scale. The numbers speak for themselves.
James O.Product Director, AfriPay Holdings