Resilience, Recognition & the Road Ahead
(The Payaza Investor Briefing: Episode 2)
This month has been defined by resilience, recognition, and forward momentum. From fully repaying key commercial paper issuances to earning global recognition, we continue to deliver on our commitments while positioning for future growth. Here’s a look at the milestones, market signals, and opportunities shaping our journey.
Milestone Achieved: Commercial Paper Repayments Completed
We’re pleased to announce the full repayment of ₦20.3B under our ₦50B Commercial Paper Programme (₦14.97B Series 1 and ₦5.36B Series 2). This achievement highlights our financial discipline, transparency, and commitment to protecting the trust you place in us as investors.
With this repayment milestone behind us, our focus turns to growth — powered by industry recognition and expanding market opportunities.
Global Spotlight: Awards & Recognition
Last month, we emerged as Winner of Best Emerging Payment Provider 2025 (Global Elite Business Magazine, UK) — one of only three African companies honored across categories, and the sole Nigerian representative in fintech.
We’re also proud to be a Finalist for the Money20/20 Awards (Financial Inclusion Category), a recognition of our mission to empower MSMEs, developers, and everyday people across Africa with inclusive digital payment solutions.
Our recognition on the global stage reinforces the credibility of our business model — and our ability to scale globally.
Leadership in Action: Our CEO at Fidelity FNITCC, Atlanta
At the Fidelity Nigeria International Trade & Creative Connect (FNITCC) in Atlanta, our CEO joined global leaders to speak on “Digital Railroads: Powering U.S.–Africa Commerce Through Fintech.”
His message was clear: true empowerment comes from trust, access, and collaboration. By building digital bridges between Africa, the diaspora, and global capital, we are moving Africa’s story from potential to momentum.
As global conversations expand, our role at the heart of cross-border commerce continues to grow.
Industry Insights: Nigeria Payments System Vision 2028
The CBN’s launch of PSV 2028 this September marks a new era in Nigeria’s payments ecosystem, emphasizing inclusion, interoperability, and cross-border payment rails.
For us and our investors: it signals stronger regulatory alignment, higher transaction volumes, and reduced systemic risks — laying a solid foundation for sustained growth.
Macro Signals to Watch
September brought encouraging macro indicators:
- MPR cut to 27% (first in five years)
- FX reserves above $42bn (six-year high)
- Naira at ~₦1,490/$ on the parallel market
Together, these shifts point to firmer local liquidity and a more supportive backdrop for short-tenor instruments. For you, this strengthens the operating environment for our business and enhances confidence in the stability of returns tied to your investment with us.
Managing Multiple Locations? Discover the Power of Branches
With Payaza Branches, you can oversee all your business locations from a single dashboard. Assign roles, monitor transactions, and track performance branch by branch—without losing sight of the bigger picture. Whether you manage 2 outlets or 200, control is now simple, secure, and scalable.
Take the complexity out of multi-location management—experience seamless operations with Payaza Branches today.
Looking Ahead
Our journey is defined not only by the milestones we achieve, but also by the partnerships that make them possible. Each step forward reflects the trust and support of those who share in our vision for the future of payments in Africa. In the months ahead, our focus remains on building with clarity, resilience, and a long-term view.
We look forward to deepening this dialogue at the upcoming Payaza Investor Symposium – January 2026 (details to follow).
