Company profile

Enza Services Limited

Enza Services Limited (enza) is an Abu Dhabi-based payments technology company that supplies card issuing, merchant acquiring and payment orchestration infrastructure to banks and fintechs. Founded in 2023, enza has regional offices in Egypt, Ghana, Nigeria and South Africa and states that it serves clients in 12 African countries. The platform connects institutions to Visa, Mastercard, domestic schemes such as Verve, Meeza and AfriGo, and real-time systems including NIBSS, PayShap and InstaPay. Products include enzaPay for in-person acceptance, enza Conductor for online payment orchestration, enzaGuard for fraud detection and enza Optimizer for payment margin management. In June 2025, Mastercard and enza announced a collaboration to connect fintechs to the Mastercard network. The Bank of Ghana granted Enza Payment Services Ghana Limited a Payment Service Provider Enhanced licence in June 2026, and enza began commercial operations in Ghana in September 2026.

Sector

Technology / Data Processing & Outsourced Services, Payments Infrastructure

Markets

Nigeria, South Africa, Egypt, Ghana

Founded

2023

Ownership

Private

Stage

Startup

Capital raised

$12.8m

Employees

51-200

Business model

B2B, B2B2C Transactional

Products and services

enzaPay (in-person acquiring platform with Android payment app, SoftPOS & QR), enza Conductor (online payment gateway & orchestration with pre-built connectors), enza Optimizer (scheme fee review & payment margin management), enzaGuard (AI-powered fraud detection), Consumer Services Payment Solutions (card issuing & processing, tokenisation, branded wallets), Acquirer Processing (authorisation, clearing & settlement across POS, eCommerce & ATM) & ATM Acquiring Solutions (ATM authorisation & routing)

Transactions

Source: Partner Researchers.