Run Your Own Neobank
Fossapay’s white-label solution enables you to launch a fully-branded neobank or fintech platform using our banking infrastructure. Focus on your customers and growth while we handle the backend, compliance, and banking operations.Launch Timeline: Go live in 2 weeks with our white-label solution
What’s Included
Virtual Accounts & Wallets
Complete banking infrastructure ready to use
KYC & Compliance
Built-in KYC flows and regulatory compliance
Payouts & Collections
Full payment processing capabilities
Developer Support
Dedicated technical support and sandbox access
Use Cases
Digital Banks (Neobanks)
Launch a full-featured digital bank:- Customer wallet accounts
- Virtual account numbers for each customer
- Debit cards (coming soon)
- P2P transfers
- Bill payments
- Savings & investment features
Embedded Finance
Embed banking into your existing platform:- E-commerce platforms offering seller wallets
- Gig economy apps with instant payouts
- SaaS platforms with payment processing
- Marketplaces with split payments
B2B Fintech
Build financial products for businesses:- Business expense cards
- Payroll automation
- Invoice financing
- Treasury management
Crypto-to-Fiat Bridge
Bridge cryptocurrency and traditional banking:- Fiat on/off ramps
- Stablecoin wallets
- Crypto trading integration
- Cross-border payments
What You Control
Full Branding
- Your brand name and logo
- Custom color schemes
- Branded account names
- White-labeled communications
Customer Experience
- Your app or web platform
- Custom user flows
- Personalized features
- Your customer support
Pricing & Monetization
- Set your own fees
- Design pricing tiers
- Revenue sharing models
- Subscription plans
What We Provide
Banking Infrastructure
- Virtual account issuance
- Multi-currency wallets (NGN, USDT, USDC)
- Payment processing
- Settlement systems
- Ledger management
Compliance & Security
- KYC/AML systems
- PCI-DSS compliance
- NDPR compliance
- CBN regulatory compliance
- Fraud detection
API & Integration
- RESTful APIs
- Webhook notifications
- SDKs (Node.js, Python, PHP)
- Sandbox environment
- Comprehensive documentation
Operations & Support
- 24/7 technical support
- Dedicated account manager
- Developer community
- Regular platform updates
Pricing Models
Revenue Share
Share transaction fees with Fossapay based on volume:- Starter: 70/30 split (You keep 70%)
- Growth: 80/20 split
- Enterprise: Custom rates
Platform Fee
Fixed monthly platform fee + lower transaction costs:- Basic: ₦500,000/month
- Professional: ₦1,500,000/month
- Enterprise: Custom pricing
Contact our sales team for custom pricing based on your expected volume and requirements.
Technical Architecture
Your application integrates with Fossapay APIs, and we handle all banking operations, compliance, and settlements.Getting Started
1
Initial Consultation
Schedule a call with our team to discuss your requirements
2
Technical Integration
Our team helps you integrate the APIs and set up your sandbox
3
Compliance Setup
Complete business verification and regulatory requirements
4
Testing & QA
Test all features in sandbox with our support
5
Go Live
Launch your branded platform to customers
Success Stories
Digital Bank - 100K Users in 6 Months
Digital Bank - 100K Users in 6 Months
A consumer neobank launched with Fossapay’s white-label solution and acquired 100,000 users in their first 6 months, processing over ₦5 billion in transactions.
Freelancer Platform - Instant Payouts
Freelancer Platform - Instant Payouts
A gig economy platform integrated Fossapay to offer instant wallet-to-bank payouts, reducing payout time from 7 days to instant and improving freelancer retention by 40%.
Crypto Exchange - Fiat Gateway
Crypto Exchange - Fiat Gateway
A cryptocurrency exchange used Fossapay to build NGN on/off ramps, enabling customers to buy crypto with naira transfers and sell crypto to their bank accounts.
Feature Comparison
| Feature | DIY Banking License | Fossapay White-Label |
|---|---|---|
| Time to Market | 12-24 months | 2 weeks |
| Upfront Cost | ₦100M+ | ₦0 |
| Banking License | Required | Not required |
| Compliance Team | Build in-house | Included |
| Infrastructure | Build & maintain | Fully managed |
| API Integration | N/A | ✅ Simple REST API |
Regulatory Benefits
By using Fossapay’s white-label solution:- ✅ No need for your own banking license
- ✅ Leverage our regulatory approvals
- ✅ Built-in KYC/AML compliance
- ✅ Automated regulatory reporting
- ✅ Stay compliant with CBN regulations
Next Steps
Setup Guide
Learn how to set up your white-label platform
Customization
Customize your branding and features
Contact Sales
Schedule a consultation
View Demo
See a live demo
FAQs
Do I need a banking license?
Do I need a banking license?
No, you don’t need your own banking license. You operate under Fossapay’s regulatory framework.
Can I set my own transaction fees?
Can I set my own transaction fees?
Yes, you can set your own fees and pricing for your customers. Fossapay charges you a wholesale rate.
What currencies are supported?
What currencies are supported?
Currently NGN, USDT, and USDC. More currencies coming soon.
Can I issue physical debit cards?
Can I issue physical debit cards?
Card issuance is coming Q2 2024. Contact sales for early access.
What's the minimum volume requirement?
What's the minimum volume requirement?
No minimum for the revenue share model. Platform fee models may have minimums - contact sales for details.
Contact Us
Ready to launch your neobank?- Email: [email protected]
- Phone: +234 (0) 800 FOSSAPAY
- Schedule: Book a demo