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This is a platform that provides agency banking and merchant services.

Agency banking is an arrangement that allows retail outlets to serve as agents to do basic banking services while merchant services use the application strictly for payments collection.

Our Offerings include:

  • Purchase
  • Cash Out
  • Transfer
  • Bill Payment
  • Subscriptions
  • Airtime
  • Balance enquiry
  • Loans
  • Vouchers
  • Other Services


Smartlink is a debit-card service that helps clients route transactions to NIBSS or any other switch. It is an outside piece of software that can be integrated into any existing android application for card-related payments.

The HorizonPay Smartlink Service is a product designed for platform owners or owners of android applications who wish to acquire card transactions on the android POS.

The product is designed to aid quick and effective GTM (go to market) for interested organizations.

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Horizonpay offers a ready-made product for go-to-market. With a robust platform product and capacity as a device manufacturer, Horizon Pay can partner with businesses that desire to set up and deploy agency banking solutions.


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In HorizonPay, our target is to improve the experience in payment process of our daily life by making use of the latest technologies.