“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?”
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.
Bictorys processes payments through Bictorys (self-operated).
The Embedded Finance Index 2026 maps 2 layers in Bictorys's stack: Payments / PSP (Bictorys (self-operated)); Lending (BNPL (buy now, pay later with installments), Recurring subscriptions, Invoice financing / invoice advance and Payment splitting with or without deposit).
Bictorys is founded in 2023 and headquartered in Dakar, Senegal.
Get a read on where your own stack stands against Bictorys and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.