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BETA Now entering Private Beta

Connecting every
transaction. Building
trust at every step.

See How It Works
★★★★★
Trusted by 2,000+ businesses
Buyer
Merchant
Logistics
Verified
Payment
Marketplace
120+Logistics Partners
5African Markets
99.99%Uptime SLA
T+0Auto Settlement
Trusted by future commerce
FLUTTERWAVE
PAYSTACK
DHL AFRICA
INTERSWITCH
KUDABANK
FEDEX
JIJI
SHOPIFY
META
The Problem

Commerce today is a leap of faith.

Buyers send money and hope goods arrive. Sellers ship goods and hope payments clear. Information is siloed across dozens of disconnected apps — and trust erodes with every step.

Fragmented systems Payments, logistics, and confirmation live in separate universes.
Zero accountability When something goes wrong, no one knows who is responsible.
Capital locked up Merchants wait days for funds while buyers hope packages arrive.
W B Buyer sends money S Seller ships goods L Logistics no visibility Hope ✦ it works out FRAGMENTED FLOW
How it works

One intelligent workflow.

From initiation to settlement, every step is programmatically linked. WAYBL coordinates what was previously scattered across dozens of tools.

Buyer
Initiation
Merchant
Order
Payment
Auth
Logistics
Assignment
Real-time
Tracking
Delivery
Verification
Auto
Settlement
Features

Infrastructure-grade capabilities.

Built for high-throughput environments. Every feature is designed to compose into reliable commerce experiences at scale.

Secure Payment Coordination

Funds are authorized at checkout and held programmatically. Settlement only triggers when logistics partners confirm successful delivery or predefined milestones are met.

HELD · 75%

Real-time Tracking

Unified visibility across multiple logistics providers. One source of truth.

Verified Delivery

Physical verification via QR, OTP or geofencing that automatically updates the transaction state.

Settlement Automation

Instantly split payments between merchants, delivery partners, and platforms. No manual reconciliation.

T+0 SETTLEMENT MULTI-CURRENCY

Fraud Prevention Engine

Machine learning models trained on African transaction patterns detect anomalies before funds move. Multi-signal risk scoring evaluates device, behavior, velocity and historical context in real time.

RISK: LOW
scoring · 12ms

API-first Infrastructure

Built for developers. SDKs in Node, Python, PHP, Go. Webhooks for every state change. Idempotent by design.

REST GRAPHQL WEBHOOKS

Merchant Trust Layer

Identity verification, business KYC and reputation scoring baked into every transaction.

Enterprise Integrations

Pre-built connectors for ERP, OMS, accounting and CRM systems. Drop-in compatibility with the tools your team already uses.

SAP NETSUITE SALESFORCE + 24 MORE
Who it's for

Built for the entire ecosystem.

WAYBL doesn't replace your bank, your logistics partner or your marketplace. It connects them — and unlocks value for every participant in the transaction.

Buyers

Transact with confidence. Real-time tracking, verified delivery and instant dispute resolution — no more hoping your package arrives.

Merchants

Get paid the moment goods are delivered. No chargebacks from undelivered orders. No capital locked up waiting for settlement.

Marketplaces

Coordinate thousands of merchants, couriers and payment flows with one integration. Built for platforms that scale.

Banks

Offer your customers escrow, conditional payments and merchant financing as a service. We provide the rails.

Logistics

Plug into a network of merchants and marketplaces instantly. Receive jobs programmatically. Get paid the moment delivery is verified.

Developers

One API for payments, tracking, verification and settlement. TypeScript SDK, real-time webhooks, sandbox environment.

Developer first

Integrate kinetic workflows in minutes.

Our API is built for high-throughput environments. Whether you're a custom e-commerce site or a massive marketplace, WAYBL scales with you. TypeScript SDK · Real-time webhooks · Idempotent by design.

UPTIME
99.99%
P99 LATENCY
84ms
REQUESTS / MO
12.4B
POST · /v1/transactions/create
// Coordinate the entire commerce workflow { "amount": 150000, "currency": "NGN", "workflow": { "steps": [ "PAYMENT_HOLD", "COURIER_ASSIGN", "DELIVERY_VERIFY", "MERCHANT_SETTLE" ] } } // → 200 OK { "id": "tx_8fH2a9", "state": "PAYMENT_HOLD", "track_url": "wbl.co/t/8fH2a9" }

Marketplace in action

How a typical transaction flows through WAYBL — from the moment a buyer checks out to the second funds settle in the merchant's account.

01

Buyer checks out

Payment is authorized and held in escrow — never fully captured.

02

Courier assigned

WAYBL routes the package to the best available logistics partner automatically.

03

Delivery verified

OTP, QR or geofence confirmation. Both parties notified instantly.

04

Funds settled

Merchant paid T+0. Courier paid. Platform fee deducted. Done.

Early signal

Loved by the people building the future of commerce.

A glimpse from design partners and beta users across Nigeria, Kenya and Ghana.

"WAYBL is the missing piece. We went from 3 days of reconciliation work to near zero. The trust layer just works."
Adaeze Okonkwo
CEO, MarketPlace NG
"Our dispute rate dropped 64% in the first month. Verified delivery is the single biggest unlock for our business."
Tunde Bakare
COO, LogiMove
"The API is what you'd expect from a Stripe or Linear. Built by people who understand infrastructure."
Wanjiku Mwangi
CTO, SwiftKart KE
FAQ

Frequently asked questions.

WAYBL uses cryptographic delivery proofs. If a courier claims delivery but the buyer disagrees, we review GPS data, timestamp logs, OTP confirmation and digital signatures to resolve the dispute programmatically — usually in under 2 hours.
Yes. WAYBL is an orchestration layer, not a payment processor. We integrate with Flutterwave, Paystack, Moniepoint, Stripe and direct bank rails. You can keep your existing PSP and unlock escrow, conditional payments and verification instantly.
We are currently focused on intra-country infrastructure within Nigeria, Kenya, Ghana, South Africa and Egypt. Cross-border capabilities are launching in Q1 2027 with FX handling built into the core workflow.
Traditional escrow is a financial product that sits outside the transaction. WAYBL is the transaction itself — coordinating payment, logistics, verification and settlement as one programmable workflow. Less overhead, faster resolution, deeper integration.
Nothing. Early access partners get preferred pricing for the lifetime of their account, plus dedicated onboarding with our solutions team. We're investing in design partners, not charging for entry.
Public beta is scheduled for Q4 2026. Waitlist members will be onboarded in waves starting August 2026, with priority given to high-volume merchants, marketplaces and logistics providers.

Commerce begins with discovery.
Trust completes the transaction.

Join 2,000+ businesses already on the WAYBL waitlist. Be the first to build on Africa's transaction infrastructure.

Talk to our team