Meet PentaPay
Africa

At PentaPay, we believe payments in Africa shouldn’t be a daily struggle. For too long, small and growing businesses have carried the risk, extending credit without protection, waiting weeks or months to get paid, and losing time, dignity, and cash flow in the process.

Over 85% of B2B transactions in Africa still rely on informal trust and delayed payments. That’s not just inefficient, it’s unfair.

We're building a future where trust can be measured, protected, and rewarded. Through smart data, automated collections, and real-time credit visibility, we’re giving merchants, suppliers, and contractors the tools to do business with confidence, and be seen for how they truly operate.

Because when trust flows, money moves. And when money moves safely, businesses grow.

Our Story

PentaPay was born out of a common struggle. Our founders realized they were spending more time chasing partial payments than doing the work they were actually paid to do. Invoices were delayed, clients went quiet, and hours were lost to follow-ups that went nowhere.

But the deeper issue wasn’t just cash flow, it was trust.

Across Africa, millions of businesses operate in a system where trust is fragile or missing altogether. Without reliable credit histories or clear records, even the most capable businesses are seen as risky. And when trust breaks down, survival becomes a daily challenge, not because people lack potential, but because the system lacks structure.

So we built PentaPay, to change that. A platform that helps businesses prove themselves, protect their income, and access the credit they deserve. One that turns behavior into opportunity, and helps build real, lasting trust in African trade.

It’s designed for businesses like ours, and yours, to spend less time worrying about money, and more time growing what matters.

The Power of Five: Giving every business a fair chance

At PentaPay, we believe that every business, regardless of its size, deserves the opportunity to grow with dignity and trust. That’s why we embrace The Power of 5.

With just five payment disbursements, we begin to see the real story behind a business: how they manage cash flow, how they serve their customers, and how they handle responsibility. These first five transactions give us just enough data to unlock a PentaScore, a reflection of potential, not just profit.

Instead of relying on collateral or formal credit histories (which most small businesses don’t have), PentaPay uses these five moments to open up access to credit, support, and smarter decision-making.

Because sometimes, all a business needs is for someone to look past the paperwork and actually see them.

Trust is Earned, Not Assumed

We build systems that help businesses prove their reliability through data, not assumptions, because everyone deserves a fair shot, not just the well-connected.

AI With Integrity

We use AI to support, not replace, human decision-making. Every credit score, recommendation, or action is built to be transparent, explainable, and fair, especially for small businesses.

People Before Profit

We prioritize the dignity and survival of the African entrepreneur. Our tools are designed to ease their burden, reduce loss, and create real value, not just extract it.

Inclusion by Design

From user experience to policy choices, we design for the realities of informal economies, underserved markets, and people often left out of traditional systems.

Data for Growth, Not Control

We believe data should empower, not trap, people. We use insights to help businesses access credit, build stronger networks, and grow on their terms.

Meet The Founders

CEO & TAIR Founder

Janet Sawari

When I think about the next 3 to 30 years in Africa, I see a thriving, industrial, and deeply integrated economy, one built by bold, local innovation.

We began with an AI hardware lab, solving hard problems at the edge. But payments held us back. So now, we're building another hard thing: PentaPay, the financial rails for the industries of tomorrow.

It hasn't been easy. Along the way, we've faced the quiet biases that often hold back underrepresented teams. That’s why we’re building the PentaScore, to ensure that access to growth is driven by merit, not margin.

The future we see is inclusive, resilient, and built by us.

CTO & TAIR Co-Founder

Olatoye Aimmer Sulaimon

"I started off in crypto, then banking, an AI Lab, and now I'm back to fintech. It's a full circle moment for me, but what completes that circle is agentic AI. In the next 3 - 30 years, we will not be concerned about getting access to credit but practicing financial hygiene that builds ecosystem trust. The future is transparent!"