Data-Driven Payments, Reconciliation & Payouts Across Africa & Beyond.
A Full-Stack PSP — Built for Growth
Solutions for Merchants, Fintechs & Banks
Modular fintech-as-a-service with white-label dashboards.
Non-ISO referral model. Immediate merchant volume, zero overhead.
You’ll Know What
Why Businesses Choose Payer.io
Payer.io is a licensed payment provider in South Africa, Kenya, and Canada with a presence in Zambia under progress. We help businesses increase revenue, reduce decline rates, and stop leakage with a platform built for scale:
Data-First Analytics
Real-time routing and retry logic for higher approval rates.
Reconciliation Engine
Multi-bank, multi-provider matching with exception handling.
Modular Fintech
Plug in what you need: payouts, reconciliation, chargeback.
Bank-Friendly Model
Partner with banks without ISO/PAYFAC overhead.
Bank-Grade Risk & Compliance
Built-In
KYC/KYB
Verification of directors, UBOs, shareholders.
Screening
PEP, sanctions, AML, fraud blacklists.
Monitoring
Transaction velocity, issuer declines, device/IP profiling, alerts.
Chargeback Control
Early alerts via Ethoca & Verifi
SEC Registered Investment Advisor
We help you achieve your vision and cultivate confidence and peace of mind across your financial journey.
Client Experiences That Speak for Themselves
“Finovate has been instrumental in our growth. Their team took the time to truly understand our needs and helped us eliminate inefficiencies.”
“Partnering with Finovate was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”
“I hired Finovate for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”
Financial Planing FAQ’s
Common questions on financial planning and investing
What should a financial plan include?
A solid financial plan ought to cover a thorough look at your personal goals and aspirations, alongside an evaluation of your investment holdings. It should map out your expected income and expenses both before and after retirement, weigh the pros and cons of different retirement and investment account options, and outline strategies for retirement preparation, tax efficiency, charitable contributions, and safeguarding your assets through insurance.
On top of that, it should offer clear, actionable advice and steps to turn your goals into reality. To guide you toward the best decisions, a good plan will also lay out a variety of potential scenarios—plus some alternative ones—for you to consider.
Can you help me plan for retirement?
Retirement age varies widely from person to person. The big question is whether you’ve got enough saved up to support the lifestyle you’re aiming for, especially since retirement could stretch on for 30 years or longer. Your income during those years will likely come from a mix of sources: retirement accounts and savings, a pension if you have one, brokerage accounts, Social Security payments, annuity income if you’ve set that up, and any other investments you’ve built over time.
What is your investment philosophy?
We base our investment approach on evidence and decades of market history, not guesswork about the future. Research shows market timing doesn’t work. Instead, we focus on what you can control: risk, asset allocation, costs, and taxes. Emotional decisions often hurt long-term returns, so we aim to avoid those pitfalls.
Diversification lowers risk—not just by holding many assets, but by mixing company sizes, sectors, and balancing stocks and bonds. Risk can’t be erased, but it can be managed.
We keep expenses low with cost-effective mutual funds and ETFs, since high fees can erode even a well-diversified portfolio’s gains.
Taxes matter too. While unavoidable, they can be minimized with a smart, tax-aware strategy.
Will I have a dedicated advisor?
Absolutely, you’ll have your own personal advisor. At Execor, we’re all about building a strong, one-on-one connection between you and your advisor. We know everyone’s financial path is different, so we pair every client with a dedicated advisor who’s focused on getting to know you and helping you reach your unique financial goals.
