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Access · Own · Grow

Stratum Fintech
Solutions

Connected payments.
Shared possibilities.

Payment integration and financial infrastructure for platforms, lenders and enterprise software — with inclusive ownership at the heart of what we enable.

Explore a partnership View the API
01

One connected integration

A shared API. Merchant-specific access.

02

Built around your business

Platforms, enterprises and financial partners.

03

A responsible path forward

Sandbox first. Production by approval.

Our solutions

Infrastructure for
what comes next.

From a single checkout to a connected financial ecosystem, we help you map the right integration. Available sandbox services and proposed capabilities are clearly distinguished below.

Sandbox available

Embedded Payment Gateway

A connected checkout, built into your platform.

  • Integrate hosted checkout through one merchant-scoped API.
  • Explore card and Instant EFT journeys in sandbox.
  • Apply for merchant access with controlled onboarding.

Planned capability

Recurring Billing & Collections

Build continuity into every customer relationship.

  • Subscription billing and scheduled collection workflows.
  • DebiCheck and Early Debit Order integration requirements.
  • Consent, dispute windows and intelligent retry design.

Subject to partner enablement

Automated Payouts & Disbursals

Move value to the people who make your business work.

  • Salary runs, claims and seller settlement workflows.
  • Bank-account verification and holder-name matching requirements.
  • Bank coverage and settlement timing confirmed per integration.

Planned capability

Centralised Mandate Registry

Put consent at the centre of collections.

  • Electronic and voice-mandate storage requirements.
  • Pre-notifications, amendments and cancellations.
  • Audit evidence designed around applicable regulatory obligations.

Integration discovery

Unified Orchestration & Legacy Adapter

Connect modern platforms with established infrastructure.

  • REST integration alongside ACB and ISO 20022 requirements.
  • Sponsor-bank and clearing connectivity assessment.
  • Multi-rail reconciliation and batch-integrity workflows.

Integration discovery

Lending & Credit Infrastructure

Connect disbursement, consent and collection.

  • Loan-disbursement and mandate-registration workflows.
  • Collection performance and controlled retry requirements.
  • Portfolio-level trust and suspense accounting design.

Real-money processing remains disabled. Licensing, direct clearing access, scheme connectivity and regulatory compliance are not represented as verified here. Production availability depends on confirmed partner capability, contracts and applicable approvals.

A South African team collaborating on financial software

People behind the platform

Your next chapter.
Built together.

Good infrastructure starts with understanding your business. We work with merchants, developers and institutional partners to shape connected payment journeys — with clear responsibilities and a considered path to approval.

Explore institutional partnerships

Solutions for every industry

Your ambition. Our connection.

SaaS & Enterprise Software

Bring billing, invoicing and payment journeys into your ERP or CRM.

Insurance & Insurtech

Plan connected premium collections and claims-disbursement workflows.

Marketplaces & Platforms

Design transparent seller settlements and multi-party fee allocation.

Lenders & Credit Providers

Connect funding and collections with clear consent and portfolio oversight.

Financial Services & Fintechs

Explore orchestration and partner-led infrastructure for your next product.

Shop where you own. Own where you shop.

Build more than transactions.

Let’s connect your business to a future of inclusive ownership and shared wealth.

Talk to Stratum