Building the payment rails for borderless commerce.
NjlaPay was founded after our team experienced firsthand the frustration of international payments. A payment that should take seconds was taking days. A transaction that should cost pennies was costing dollars in fees and currency conversion spreads.
We built NjlaPay to fix this. Starting with direct banking and mobile money integrations across key markets, we have grown to support 140 countries with settlement times that average under 2 seconds and transaction fees as low as 0.5%.
With $2,200,000 in Seed funding from havaic secured in February 2026, we are accelerating our expansion into new markets and deepening our payment network partnerships to serve the next billion cross-border transactions.
The principles that guide every decision at NjlaPay.
Payments should be instant. Every architectural decision we make prioritizes settlement speed as the primary performance metric.
No hidden fees, no dynamic pricing surprises, no spread markups. You know exactly what every transaction costs before you send it.
We measure our success by how quickly a developer can go from API key to first successful transaction. Currently: under 30 minutes.
We prioritize markets where legacy payment infrastructure fails people most — emerging economies, underbanked populations, and cross-border commerce.
KYC, AML, and regulatory requirements are built into the platform, not bolted on. We help you stay compliant without slowing down your product.
99.99% uptime is our contractual commitment. Our distributed infrastructure ensures payments route around outages automatically.