← Embedded Finance Index 2026

Bictorys

“Can a single unified payment API abstract the fragmented mobile money and card rails of West Africa into an infrastructure layer that powers every merchant transaction on the continent?”

Founded2023
HQDakar, Senegal
IndustryFintech / Cross-border payments
The story

Founded in 2023 in Dakar, Senegal, Bictorys started as a unified payment infrastructure platform targeting businesses and developers across West Africa. It aggregates card, mobile money (Orange Money, MTN, Wave, Free Money, Moov, Mobi Cash, etc.), POS, and invoicing into a single API, addressing the fragmentation of payment rails in Francophone Africa. The company has expanded beyond basic payment acceptance to include BNPL, recurring subscriptions, payouts, and virtual accounts, positioning itself as a financial infrastructure OS for African SMBs and developers.

Last 12 months
2026-03
Product timeline
2023
Bictorys founded in Dakar, Senegal, with a focus on providing a unified payment API for West African mobile money operators and card payments.· pivot
2024
Launched BNPL and recurring subscription billing APIs, expanding from basic payment collection into installment-based financing for merchants.· lending
2026
Published comprehensive integration guide covering all West African Mobile Money operators, OTP flows, and payouts — based on real-world testing as of March 2026.· banking
The stack
2 layers disclosed in Bictorys’s embedded-finance stack
Payments / PSP
Bictorys (self-operated)
Lending
in the full report
Accounting gap: significant
4 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.