---
title: "Products | NjiaPay"
canonical_url: "https://njiapay.com/products"
last_updated: "2026-08-28T02:37:42.496Z"
meta:
  description: "NjiaPay, your Payment Performance Partner!"
  "og:description": "NjiaPay, your Payment Performance Partner!"
  "og:title": Products
---

**YOUR PAYMENT PERFORMANCE PARTNER**

# One layer between your checkout and every payment provider

A platform full of features designed to increase successful payments and reduce operation load.

[**Get in touch**](https://njiapay.com/contact)

**Payment performance platform**

## **Platform Features**

**INTELLIGENT ROUTING**

### **The right provider, for the right payment, every time. **

**The right provider, for the right payment, every time. **

Every transaction is analysed in real time and sent through whichever route is most likely to succeed, or the lowest-cost route, depending on what matters most to your business. You set the rules; we execute them across every payment.

**Up to 25% more conversions**

**Redundancy**

### **A backup for every payment.**

**Every payment has a backup plan.**

One integration through NjiaPay connects you to multiple payment providers. If one provider goes down, the payment is re-routed to keeping any disruption invisible to your customers.

**Zero single points of failure**

**SMART RETRIES**

### **Failed payments aren't lost payments.**

**Recover failed payments while your customer is in flow.**

When a payment fails on a temporary, provider-specific issue, Smart Retries reattempts it immediately through another route giving the transaction another chance to go through while the customer is still present.

**Recovered in <100ms**

**SMART DUNNING**

### **Failed payments aren't lost subscribers.**

**Retry logic built for subscription billing.**

Each failed subscription payment is analysed to find the best moment (and the best route) to retry. Soft declines are retried intelligently. Hard declines are recognised and skipped, protecting your standing with card networks.

**Reduce involuntary churn**

**CARD ACCOUNT UPDATER**

### **Recover the revenue lost to expired cards.**

**Automatic card updates, before the payment fails.**

When a customer's card expires or is reissued, new details are pulled directly from the banks and refreshed in the background so the next scheduled payment goes through without you or the customer having to do anything.

**\~3% lift in transactions**

**CUSTOM CHECKOUT**

### **Reduce your checkout drop-off**

**A hosted checkout that matches your brand’s look and feel.**

A hosted checkout page that mirrors your site’s design - no jarring redirect to a third-party portal. When a payment fails, customers get a specific, helpful message instead of a vague error code.

**Single screen checkout**

**ONE-CLICK PAYMENTS**

### **The single click checkout for returning customers.**

**The fastest path from "Add to Cart" to "Paid."**

Returning customers complete purchases instantly. Card details are securely tokenised behind the scenes - when a logged-in customer is ready to buy, a single tap is all it takes.

**10-15% more success with returning customers**

**ANALYTICS**

### **Turn raw data into clear decisions.**

**See what’s working, and act on it.**

One centralised dashboard for transactions, revenue, refunds, and provider performance. Spot a drop in conversion or a spike in declines in real time, without pulling reports from multiple portals.

**One source of truth for you payment data**

## **Take payments however your customers 
want to pay**

![Visa](https://cdn.sanity.io/images/7xfql800/production/bdddaa0c1af00027f31ccf893532d0863d8e5655-50x50.svg?auto=format)

**Visa**

Accept card payments from one of the biggest card schemes on the globe.

![Mastercard](https://cdn.sanity.io/images/7xfql800/production/cb1366322410f4c710cf93f213c3dfb347ac8927-50x50.svg?auto=format)

**Mastercard**

Reach customers worldwide with one of the most widely accepted card networks.

![Amex](https://cdn.sanity.io/images/7xfql800/production/ffbbf2651524f49bfc5ab046bd770b34c28259ae-50x50.svg?auto=format)

**Amex**

Capture payments from cardholders who prefer American Express.

![PayPal](https://cdn.sanity.io/images/7xfql800/production/ec0d76817c6b217a8fdc5a85dff00e2f3389defe-50x50.svg?auto=format)

**PayPal**

Give customers the option to pay with their preferred digital wallet.

![Ozow](https://cdn.sanity.io/images/7xfql800/production/c4f15879d4c8ca1a1f1d7425673a2d24226c5b7c-50x50.svg?auto=format)

**Ozow**

Enable instant EFT payments for South African customers, no card required.

![Apple Pay](https://cdn.sanity.io/images/7xfql800/production/81c1825b1e7171c86fd7c22c35b57a66df66844b-50x50.svg?auto=format)

**Apple Pay**

Offer a fast, secure checkout experience for customers on Apple devices.

![Debi Check](https://cdn.sanity.io/images/7xfql800/production/9599f73f8915b1b7a6e32c60acaca51223887d02-50x50.svg?auto=format)

**Debi Check**

Collect recurring payments with a verified, authenticated debit order system.

![OTT Voucher](https://cdn.sanity.io/images/7xfql800/production/a2daedd720656678d2f118bccf0ecda7dce5699b-50x50.svg?auto=format)

**OTT Voucher**

Accept voucher-based payments for customers who pay without a bank account.

![Bank Transfers](https://cdn.sanity.io/images/7xfql800/production/4caee0f5615a639f9e98df158042757b5f614b35-50x50.svg?auto=format)

**Bank Transfers**

Accept direct bank-to-bank payments for customers who prefer to pay from source.

![Mpesa](https://cdn.sanity.io/images/7xfql800/production/7fcfe82064c91b2ba8a5c15dcaa704420cd7b4a9-50x50.svg?auto=format)

**Mpesa**

Accept mobile money payments across East Africa's most widely used platform.

![Payshap](https://cdn.sanity.io/images/7xfql800/production/6240c5108ba5ec046ca873dda04eec870d132295-50x50.svg?auto=format)

**Payshap**

Send and receive real-time ZAR payments instantly, straight from your bank account.

![Google Pay](https://cdn.sanity.io/images/7xfql800/production/b6f218c0fffc448e5dadb0e41c98f1ce937eb3b8-50x50.svg?auto=format)

**Google Pay**

Give Android users a fast, familiar way to pay at checkout.

![Samsung Pay](https://cdn.sanity.io/images/7xfql800/production/8dac884807fe116ee49e361248d988eb047240a9-50x50.svg?auto=format)

**Samsung Pay**

Extend your reach to Samsung device users with a seamless tap-to-pay experience.

![ABSA Pay](https://cdn.sanity.io/images/7xfql800/production/5f44cf11c091b0650d3f331426a0d10cf2acdf38-50x50.svg?auto=format)

**ABSA Pay**

Let ABSA's customers pay directly and securely from their banking app.

![Snapscan](https://cdn.sanity.io/images/7xfql800/production/833dc5658548fa09c1eb0de8b5d99a7d788e8854-50x50.svg?auto=format)

**Snapscan**

Accept QR code payments from one of South Africa's most recognised mobile payment apps.

**PAYMENT SERVICE PROVIDER NETWORK**

## **One integration. Every provider that matters.**

We’re provider-agnostic by design. We work with the providers that work for you, and we’ll add more as you grow.

[**Get in Touch**](https://njiapay.com/contact)

![One integration. Every provider that matters.](https://cdn.sanity.io/images/7xfql800/production/9302fac25ab57cf4a17cfd376332dbf15dfffb80-2436x2402.png?w=800&h=600&auto=format)

**WE'RE NOT ANOTHER PSP**

## **A neutral, provider-agnostic payments partner.**

![A partner, not a platform](https://cdn.sanity.io/images/7xfql800/production/c808867adacb2e71a2d38bd8104b7095344449b2-40x40.svg?w=160&h=160&fit=max&auto=format)

### **A partner, not a platform**

We take the lead. We audit your stack, share what we see, and help you make decisions you’d struggle to make alone because we’ve been here before.

![Provider-agnostic by design](https://cdn.sanity.io/images/7xfql800/production/d5eff10dfeabecb91aea8192bf491bd96ed776c3-40x40.svg?w=160&h=160&fit=max&auto=format)

### **Provider-agnostic by design**

Your success is our only metric. We work with the providers that work for you and your customers.

![Built for Africa](https://cdn.sanity.io/images/7xfql800/production/bd5e6ac99bd1aae3dc7af4018827d43255da852b-34x40.svg?w=160&h=160&fit=max&auto=format)

### **Built for Africa**

We know the local providers, the local banks, the local quirks. From Card to Apple Pay, our setup reflects how your customers actually pay.

![Performance over hype](https://cdn.sanity.io/images/7xfql800/production/18e527083629dfdd73166d8ff04383a06fadd479-40x40.svg?w=160&h=160&fit=max&auto=format)

### **Performance over hype**

We don’t revolutionise anything. We improve approval rates, recover failed payments, and let the numbers do the talking.

**Get in touch**

## **Better payments at your fintertips**

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