Get paid faster with PentaPays Collection agent
Collections
Let PentaPay handle invoice collections for your business. Automatically engage buyers, negotiate payment structure, and ensure you get paid on time without the back and forth.
Risk Intelligence
PentaScore helps you assess client creditworthiness before extending payment terms.
Access to Credit
Enable your business to get access to revolving credit on demand and loans. Create your business PentaScore
Global Payments
Accept payments in KES, NGN, ZAR, TZS, UGX, and more. Real-time FX rates and seamless cross-border transactions.
Mission
Rethinking Trust for B2B Payments
We make it easy for businesses to verify who they’re dealing with, extend credit with confidence, and get paid on time, powered by real transaction data and intelligent automation.
Instead of relying on outdated credit systems and manual follow-ups,
PentaPay builds trust directly into every invoice, unlocking faster payments, better access to capital, and stronger business relationships.
By making trust programmable and scalable, we enable SMEs to grow with confidence, driving a more inclusive, resilient, and connected global economy.
From Unstructured Invoice Data to Real-time signals
Rethinking how business growth can take place starts with payments, not just more sales. We want your business to scale with no fees and no friction. Find out more about how we bring business growth for you and your customers.
01
FMCG & Wholesale Distribution
This sector involves thousands of distributors and micro-retailers who transact daily on tight margins, with a high dependency on informal credit and mobile payments.
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Key Pain Point: Distributors offer goods on credit without data, risking defaults and slow payments.
02
Agriculture & Agro-Input Supply Chains
Smallholder farmers and agro-dealers often rely on supplier credit, especially during planting seasons. Payments are delayed until harvest or market sales.
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Key Pain Point: Agro-dealers extend credit informally without repayment tracking or recovery systems.
03
Education
PentaPay provides a smarter way to manage school fees by allowing parents to pay in structured, flexible installments. Our system automates invoicing, tracks payments in real-time, and ensures schools receive steady cash flow without chasing families.
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Key Pain Point: Schools can vet parents, and parents can ease payment pressure
For Banks
Let's Talk, You Integrate,
We Deliver
PentaPay unlocks real-time credit data and transaction insights to help banks finance B2B payments with confidence. But we also help our banking partners integrate our AI-enabled auto-debit infrastructure into the bank's collections solutions.
What We Provide
01
Verified Customer Onboarding (KYB)
Merchants can digitally onboard and verify B2B customers (retailers, farmers, contractors) using the Penta Score This helps eliminate fraud, reduce risky credit exposure, and build a trusted client base.
02
Embedded Access to Credit for Merchants
PentaPay empowers merchants not just to extend credit, but to receive it themselves from banks and lenders.
03
Automated Invoice Management
Instead of chasing payments manually, merchants benefit from PentaPay’s Agentic-AI collection engine, which sends SMS, WhatsApp, and email reminders, improving recovery rates while saving time and staff costs.
04
Real-Time Receivables Dashboard
Merchants get a clear overview of all outstanding payments, due dates, customer repayment history, and risk profiles. This makes it easier to make credit decisions, plan inventory, and access financing.
05
Invoice Insurance & Risk Mitigation
PentaPay enables merchants to insure their invoices against non-payment or late settlement, especially in high-risk sectors like construction or agro-trade.
PentaPay’s system can flag high-risk invoices based on PentaScore and automatically recommend insurance coverage or reserves.
Are you a developer?
Integrate PentaPay API's seamlessly.
