“Can Africa's traditional FMCG trade chain be digitized end-to-end with embedded credit and payments as the monetization layer?”
OmniRetail digitizes traditional trade in Africa across manufacturers, distributors, and retailers via its network-of-networks platform (OmniOne, OmniHub, OmniBiz). OmniPay was launched in 2022 as the embedded finance layer — offering virtual bank accounts, BNPL working capital for FMCG inventory, POS acceptance, and cashback — turning the trade platform into a financial infrastructure play for Nigeria's informal retail economy.
Omni discloses OmniPay (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Omni does not disclose a bank charter of its own; its banking services are provided through OmniPay (in-house).
Omni processes payments through OmniPay (self-operated).
Omni's lending and capital products are provided by OmniPay (in-house).
The Embedded Finance Index 2026 maps 3 layers in Omni's stack: Payments / PSP (OmniPay (self-operated)); Banking / BaaS (OmniPay (in-house)); Lending (OmniPay (in-house), Collateral-free BNPL for retailers, FMCG Inventory Financing, Working capital for distributors and 1 other).
Omni is headquartered in Lagos, Nigeria.
Omni has raised $20M in total.
Get a read on where your own stack stands against Omni 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.