Omnea
A registered Third Party Payment Provider. We process payments, run the platform and reconcile every transaction. We never hold or own customer funds in custody.
Build on Omnea
Financial infrastructure shouldn’t be a privilege.
Launch collections, account apps, payouts and marketplace payments on a regulated platform that is already in production — without first building a payments company.
Building a marketplace? See marketplace payments →
You
OMNEA
Payers
Payees
Payments between accounts settle instantly. Every payout is checked before money leaves, and a suspicious one is stopped for review.
Not API access. A regulated payments business, carried for you.
Every tier includes the same foundation. What changes is how you pay for it.
Licensing and compliance
Authorisations, sponsorship and certification — plus fraud monitoring, FIC reporting, POPIA and bank reporting.
Proprietary technology
An Omnea-built orchestration engine, unified ledger, settlement logic and audit trail.
Operated infrastructure
Uptime, redundancy, disaster recovery, penetration testing and security monitoring.
Support and reconciliation
Account management, technical support, incident response and daily reconciliation.
Ongoing investment
A platform that keeps pace with payments reform and new regulatory requirements.
The honest alternative
Building it yourself
12–24 months
before you process a single transaction
- Meet authorisation criteria and win a sponsor bank
- Hire and keep a standing compliance function
- Build a ledger and orchestration engine, then maintain it
- Integrate every bank and rail, one project at a time
- Carry hosting, security testing and disaster recovery yourself
On Omnea
Live on infrastructure that already runs
- Inside Omnea’s regulatory perimeter from day one
- Compliance, fraud and reporting carried for you
- Multiple banks and payment providers already integrated
- One platform fee instead of a build budget and headcount
- Regulatory change absorbed into the service
Placed in custody for you, never kept by us
You remain the beneficial owner of your funds at every step. Omnea makes no investment decisions and is never your counterparty.
Ringfenced and allocated
Allocated funds are placed with the custodian in iAccounts, with you as beneficial owner.
Verified before custody
Incoming funds are verified and reconciled first, so only confirmed amounts move into custody.
Working for you
On Enterprise, balances can be placed by the independent nominee across commercial banks and money-market funds, and can earn a return.
Who does what
An administrative FSP
A financial services provider licensed under FAIS administers the iAccounts and the funds in them on behalf of your customers.
A regulator-approved nominee
Holds the funds on your customers’ behalf, separate from the administrator, Omnea and their creditors.
The nominee is approved by the regulator and has a majority-independent board. The structure protects customer funds from the creditors of the nominee, the administrator and Omnea, including in insolvency. Holdings are reconciled daily, the nominee confirms the reconciliation to the regulator every year, and fidelity insurance covers losses from fraud or dishonesty. If the administrator ever stopped trading, funds would move to the customer or to another approved administrator, not be lost.
Custody and administration of iAccounts are provided by Automated Outsourcing Services (Pty) Ltd (AOS), an authorised financial services provider (FSP 650), with Investors Independent Nominee (Pty) Ltd (IIN) as its independent nominee. Omnea is a registered Third Party Payment Provider and is not a financial services provider.
Real-time settlement, the way central banks do it.
Payments between accounts on the platform settle the way a central bank settles between banks: one at a time, in real time, with finality on the platform.
Gross
Each payment settles on its own, not netted in batches.
Real time
Funds move between accounts the moment a payment is made, without waiting for interbank clearing.
Final on the platform
Once settled, a payment is final on the platform’s ledger, and every balance is backed by funds placed in custody.
This is settlement between accounts on the platform, not interbank settlement. Built by a team whose roots are in central bank RTGS systems, from SAMOS onwards.
Three tiers, one platform
The right tier depends on your volumes and how long money stays on the platform. We’ll help you choose.
Startup
Low entry, pay as you process
Fixed fees stay low while you prove your volume; our margin sits in transaction pricing.
Pricing on request
Growth
Predictable fees, transactions at cost
For established volumes and high-velocity businesses such as payroll and marketplace payouts.
Pricing on request
Enterprise
Transactions at cost, with balances able to earn a return through the nominee
For businesses keeping meaningful balances on the platform, who want those balances working.
Pricing on request
Your product. Your brand. Your channel.
The platform is a foundation, not a finished app. Build services for consumers or for businesses, on whichever channel your customers use, while Omnea runs the payments and technology underneath.
For consumers or businesses
Account apps, savings, rewards and staff benefits for individuals. Merchant accounts, supplier payments and marketplaces for businesses. Your subscription matches the customers you serve.
On any channel
Everything runs through our APIs, so the same accounts and payments work on the web, in mobile apps, over USSD, behind messaging and chat interfaces, at the point of sale or inside a partner’s app.
Three ways to start
Build a new app
Design your own product on our APIs, for consumers or businesses, on any channel.
Add to the app you already have
Bring accounts, payments, payouts and value-added services into your existing app, without rebuilding it.
Launch with ours
Start with Omnea’s white-labelled application under your brand, and build your own later if you want to.
WebMobile appsUSSDMessaging and chatPoint of salePartner apps
Built on the platform
For consumers
- Mobile account apps
- USSD account access
- Savings products
- NFC payment solutions
For merchants
- Merchant account apps
- Online payment gateway
- SoftPOS and terminal acquiring apps
- Merchant portals
- Online marketplaces
For banks and operators
- Bank portals
- Admin portals
Rewards and value
- Vouchering solutions
- Gifting solutions
- Tipping services
Every app is an interface to an account held in custody in the customer’s name. The money is never in the app.
Live on the platform
A commuter payments app for minibus taxi passengers
Commuters sign up with their phone and an ID check, keep money in an account in their own name, top up transport cards and buy vouchers, in the app or over WhatsApp.
Onboarding and verification · accounts in custody · third-party services · app and messaging
Automatic savings for small merchants
A card payment provider lets its merchants set aside a share of every sale automatically into savings pockets, held in custody in each merchant’s name, inside the business app they already use.
Split settlement · accounts in custody · a new feature in an existing app
A rewards club for a food retail chain
With a loyalty partner, we run the complete card-based rewards programme. Shoppers swipe their card at the till to pay and save, their balances are held as store vouchers, and the funds behind them sit in custody in the retailer’s name.
Point-of-sale payments · store vouchers · funds in custody in the retailer’s name · loyalty that keeps value with the retailer
Who builds on it
Marketplaces
You find vendors and customers. We handle vendor onboarding, compliance, fraud management and split settlement — commissions collected, vendors settled to their iAccounts.
Employers
Pay staff into the ecosystem and negotiate staff benefits on your workforce’s combined buying power.
PSPs and PayFacs
Earn platform revenue on what happens after settlement, with controls that monitor downstream payments before funds leave.
Let’s find the right fit.
A discovery session maps your business model, volumes and balances to the right tier — before you commit to anything.
Prefer to read it later?Download the two-page Build on Omnea brochure (PDF)