KARRABO
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Karrabo
Central Bank of NigeriaLicensed by the CBN

Powering Payments.

Simplifying Onboarding.

A full-stack fintech infrastructure for payment collections, terminal management and onboarding automation.

Why Karrabo?

Automated Onboarding AML-CFT-CPF, Payments, Wallets, Bill payment multi-tenanted platform.

- 01

Multi-channel ecosystem

Manage payments, wallets, terminals, settlements, reporting, and collections through a single infrastructure platform.

- 02

Scalable infrastructure

From a single merchant to nationwide financial ecosystems, Karrabo grows with your organization.

- 03

Intelligent Financial Operations

Automate collections, settlements, reconciliation, routing, and operational workflows with real-time visibility.

- 04

Collections without Friction

Deliver seamless payment and collection experiences across digital and physical channels.

- 05

Automated AML/CFT/CPF

Our system automates Anti-Money Laundering (AML), Counter Financing of Terrorism (CFT), and Customer Due Diligence (CPF) processes.

- 06

Fraud Management

Guarantees the safety of all transactions while providing robust protection against any potential fraudulent activities.

Who We Serve

From acquiring banks to street-corner agents, every player in the payment chain runs on the same infrastructure — built to fit how each one actually works.

Acquirers

Acquirers

Onboard merchants faster and settle with confidence. Karrabo gives acquiring institutions the processing, reconciliation, and multi-channel acceptance infrastructure to scale without adding operational overhead.

Merchants

Merchants

Accept payments the way your customers want to pay — card, wallet, or transfer. Get one dashboard for transactions, settlements, and sales visibility across every location you run.

Aggregators

Aggregators

Consolidate collections from hundreds of touchpoints into a single reconciled view. Automated reporting and centralized routing mean fewer disputes and faster payouts, at any volume.

Other Financial Institutions

Other Financial Institutions

Extend agency banking, disbursements, and digital collections to underserved segments. Microfinance banks and super agents get enterprise-grade rails without enterprise-grade complexity.

Government Agencies

Government Agencies

Collect levies, fees, and taxes through channels citizens already trust. Built-in audit trails and real-time reporting keep every transaction accountable and easy to reconcile.

Communities

Communities

Bring digital payments to informal markets, cooperatives, and local associations — with tools simple enough for first-time users and reliable enough for low-connectivity environments.

Agents

Agents

Turn any storefront into a financial services point. Equip agent networks to process payments, handle cash-in/cash-out, and serve customers reliably, online or offline.

Our Products

Explore our suite of products designed to power your business.

Karkollect

Terminal Management, Payment Gateway, Wallet Management

A comprehensive payments infrastructure that lets you manage terminals, process transactions across multiple channels, and offer digital wallet services — all from one platform.

Sign Up

Karverifi

Automated KYC/KYB as a Service

Securely verify customers and businesses with our identity verification service. Confirm identities, check compliance, and reduce fraud with seamless onboarding.

Get Started

Karbiller

Coming Soon

Bills Payment

A solution that simplifies billing, collections, and service management for multi-occupancy communities through one centralized platform.

Platform Ecosystem

Financial infrastructure to grow your revenue. Accept payments, offer financial services, and implement custom revenue models — from your first transaction to your billionth.

Terminal Management

Track terminal performance in real time, manage device status remotely, push updates seamlessly, and monitor transaction activity with ease.

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TerminalStatus
FT-882-LGNOnline
FT-302-ABJOffline
FT-112-IBDOnline
FT-045-ABVOnline
FT-892-EKIOnline
FT-312-ABJOffline
FT-122-IBDOnline
FT-245-ABVOnline

Payment Gateway

Accept and process transactions across multiple payment channels through a single, unified infrastructure.

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Karrabo

Select Preferred Mode of Payment

  • CardPay with card
  • WalletDigital wallet transfer
  • USSDDial on phone
  • Bank TransferTransfer to virtual account
  • QR CodeScan to pay

Wallet

Our product includes a wallet that allows you to effortlessly store, manage, and make transactions. Check balances instantly, handle assets from any location, and track every transaction with ease.

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Wallet Balance

Total Balance

0.00

Fund Wallet

Bills payment

Our Bills Payment service lets you pay your everyday bills quickly and securely. Manage everything from airtime and data to electricity and TV subscriptions all in one place.

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  • Airtime₦79,400
  • Airtime₦79,400
  • Airtime₦79,400

Automated KYC/KYB as a Service

KYB/KYC service helps businesses securely verify customers and companies, confirm identities, and meet regulatory requirements. It makes onboarding faster and safer while helping reduce fraud and compliance risks.

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Face verification — confirm user identity

Platform as a Service

We provide businesses with the tools, infrastructure, and technology they need to build, deploy, and manage digital products without the complexity of setting up and maintaining the underlying systems.

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Payment Terminal Collections

Online Collections

Wallet Services

Bills Payment

Onboarding (Automated KYC/KYB)

Frequently Asked Questions

Answers to what people usually ask before working with us. Can’t find yours? Reach out and we’ll walk you through it.

Partners we work with

Trusted by companies committed to excellence and long-term growth.

NIBSS
Prembly
9PSB
Tap
Habaripay
Interswitch
Sterling
Unified Payments
QoreID
Padlock representing platform security
PCI Security Standards Council
Nigeria Data Protection Commission
Central Bank of Nigeria

Fully Compliant

Our platform is built to align with industry standards, regulatory requirements, and best practices that help protect businesses, transactions, and customer data at every stage of the payment journey.

Dedicated to Security

With a proactive security framework and strict operational safeguards, businesses can confidently process payments knowing their infrastructure is protected, resilient, and always one step ahead of evolving threats.

Certifications

ISO 27001
: 2022 - Information Security Management Systems (ISMS) Certificate
ISO 22301
: 2019 - Business Continuity Management System Certificate
ISO 20000-1
: 2018 - IT Service Management System Certificate