Firm Unveils Platform to Unify Cross-Border Payments Across Europe, G20

A financial infrastructure firm, Passpoint, has announced the launch of what it describes as a “financial orchestration layer” aimed at simplifying cross-border payments and operations across Africa, Europe and G20 markets.

The company said the platform integrates payments, compliance, foreign exchange liquidity management and settlement into a single system, addressing longstanding fragmentation across African payment ecosystems.

Speaking on the development, co-founder and chief executive officer, Kelechi Uchegbulem, said the innovation is designed to tackle the structural challenges businesses face when operating across multiple payment systems and regulatory environments.

“The payments infrastructure challenge in Africa is not about moving money. Every gateway moves money. The challenge is governing it, routing intelligently across fragmented rails, staying compliant across jurisdictions, managing forex exposure and settling predictably across markets,” he said.

He added that the platform provides a unified layer that allows businesses to operate across markets without the need to build separate integrations for each payment provider.

Africa’s payment landscape remains highly fragmented, with country-specific systems such as mobile money platforms, interbank networks and regional payment rails operating largely in silos.

Passpoint noted that its orchestration layer introduces capabilities such as intelligent transaction routing, embedded compliance processes, multi-currency treasury management and unified settlement reporting through a single application programming interface (API).

Also speaking, co-founder and chief commercial officer, Adejuwon Oyebanjo, said the platform represents a shift from traditional payment gateways to a more comprehensive control system for financial operations.

“The businesses building at the frontier of African and global commerce are not asking for a better gateway. They are asking for control over routing, forex exposure, compliance and settlement. That is what orchestration means in practice,” he said.

According to the company, businesses using the platform have recorded improvements in transaction success rates, reduced forex costs, and lower operational overheads due to consolidated payment infrastructure.

The firm, which holds licences from the Central Bank of Nigeria and operates across multiple jurisdictions including Europe and North America, said its expansion reflects growing demand for infrastructure that can support seamless cross-border trade.