Pre-Seed Fintech Startups in Africa
Startup Map Africa tracks the most active Fintech startups and tech companies across the continent. Filter by country, stage, and fundraising status — or explore the full Africa startups database.
Top Startups in Africa to Watch
A curated selection of African tech companies solving critical infrastructure, financial, and logistical challenges across the continent.
A data community bridging data literacy across Africa through mentorship, training, partnerships and events.
Smart fleet management for owners and drivers: tracking, alerts, leases, and payments in one dashboard.
Spend crypto as fiat, send professional invoices, and gift friends — all directly from WhatsApp. No app needed.
Manufacturing batteries for EVs and ESS systems targeting last-mile electrification and the e-mobility transition.
Secure, delivery-linked payments that protect buyers and sellers in informal and high-value online commerce.
A free football predictions platform powered by AI and mathematical analysis.
Organic energy drink juice formulated for energy, mental clarity and focus.
Connecting startups with engineering students for hands-on projects while mapping talent for future roles.
Browse Startups in Africa by Country
Browse african startups by Sector
Filter African startups
| Name | One-liner | Country | Sector | Stage | Raising |
|---|---|---|---|---|---|
| Ajua Pay | Customer payments | KE | Fintech | Pre Seed | Open to funding |
| AWIMA Technologies Ltd | AWIMA Technologies Ltd is Africa’s frontier in digital transformation for wealth and resource management. | South Sudan | Technology / GovTech / FinTech / Social Impact Tech | Pre Seed | Open to funding |
| Bmoni | BMONI helps Africans send, spend, and save money globally through smart wallets, USD cards, and seamless cross-border payments. | Nigeria | Fintech | Pre Seed | Not Raising |
| BuuPass Pay | Transit payments | KE | Fintech | Pre Seed | Open to funding |
| Chpter Pay | Social checkout pay | KE | Fintech | Pre Seed | Open to funding |
| Daya | Stablecoin-powered financial operating system for African enterprises. | Nigeria | Fintech | Pre Seed | Not Raising |
| ina Payments | Ina Payments is an Indian fintech company providing advanced POS, SoftPOS, and payment gateway solutions for banks and businesses in India. | India | Fintech | Pre Seed | Not Raising |
| KunePay | Merchant payouts | KE | Fintech | Pre Seed | Open to funding |
| Kwara Pay | SACCO payments | KE | Fintech | Pre Seed | Open to funding |
| LifeLine | Stablecoin powered healthcare neo bank for Africa. | Rwanda | Fintech | Pre Seed | Actively Raising |
| LipaFarm | Agri payments | KE | Fintech | Pre Seed | Open to funding |
| LipaLater Health | Healthcare credit | KE | Fintech | Pre Seed | Open to funding |
| MPost Pay | Address linked payments | KE | Fintech | Pre Seed | Open to funding |
| MTANDAO® AFRIKA | Pan-African SME Business Operating System powering digital commerce, payments & AI. | Cameroon | Fintech - SaaS - AI - Marketplace - Logistics | Pre Seed | Actively Raising |
| OkoaPay | Healthcare payments | KE | Fintech | Pre Seed | Open to funding |
| Pesapal Capital | Merchant working capital | KE | Fintech | Pre Seed | Open to funding |
| Pezesha Link | Merchant BNPL | KE | Fintech | Pre Seed | Open to funding |
| Pryseflow | Sell Online, Manage Your Business & Get Discovered on Pryseflow | South Africa | Fintech | Pre Seed | Actively Raising |
| Shukran Pay | Creator commerce pay | KE | Fintech | Pre Seed | Open to funding |
| Sote Finance | Invoice finance for trade | KE | Fintech | Pre Seed | Open to funding |
| Stabyl | Nigerian fintech that raised a $2.7M pre-seed led by KongaPay in June 2026. | Nigeria | Fintech | Pre Seed | Not Raising |
| Sunculture Finance | Agri equipment finance | KE | Fintech | Pre Seed | Open to funding |
| TandaLoop | Agent liquidity network | KE | Fintech | Pre Seed | Open to funding |
| TawiPay Bills | Bill payments hub | KE | Fintech | Pre Seed | Open to funding |
| Workpay Wallet | Salary advance wallet | KE | Fintech | Pre Seed | Open to funding |
| Wowzi Pay | Creator payouts | KE | Fintech | Pre Seed | Open to funding |
| Ziada Credit | Merchant credit lines | KE | Fintech | Pre Seed | Open to funding |
| ZiadaPay | SME payments | KE | Fintech | Pre Seed | Open to funding |
| ZuriPay | School fee payments | KE | Fintech | Pre Seed | Open to funding |
| Zuru Credit | Consumer credit builder | KE | Fintech | Pre Seed | Open to funding |
AWIMA Technologies Ltd
Open to fundingAWIMA Technologies Ltd is Africa’s frontier in digital transformation for wealth and resource management.
Bmoni
Not RaisingBMONI helps Africans send, spend, and save money globally through smart wallets, USD cards, and seamless cross-border payments.
Daya
Not RaisingStablecoin-powered financial operating system for African enterprises.
ina Payments
Not RaisingIna Payments is an Indian fintech company providing advanced POS, SoftPOS, and payment gateway solutions for banks and businesses in India.
LifeLine
Actively RaisingStablecoin powered healthcare neo bank for Africa.
MTANDAO® AFRIKA
Actively RaisingPan-African SME Business Operating System powering digital commerce, payments & AI.
Pryseflow
Actively RaisingSell Online, Manage Your Business & Get Discovered on Pryseflow
Stabyl
Not RaisingNigerian fintech that raised a $2.7M pre-seed led by KongaPay in June 2026.
Keep exploring
Fintech startups at other stages
Browse the parents
Take this list with you — 30 pre-seed fintech startups in africa as CSV
Funding, stage, category, HQ, websites — plus direct founder contacts for verified profiles. Updated July 31, 2026. One-time purchase, re-download any time.
Sourcing deals in this market?
Get 5 founder profiles matched to your thesis — stage, geography, ticket size — free, with founder consent. The live pipeline behind this directory: 1,100+ founders, updated daily.
Recently Added african startups
Live| Startup | Country | Sector | About |
|---|---|---|---|
| McQueen Roofing | United States | Proptech | McQueen Roofing provides AI-powered roofing estimates for homeowners and contractors in the U.S., offering accurate, itemized, and instant cost calculations. |
| Socella | Nigeria | Marketing Tech | Socella is an AI social & business management platform helping startups & SMBs run end-to-end campaigns across 14 platforms. |
| NexusQuantix Growth | South Africa | Fintech | NexusQuantix is a research intelligence platform providing institutional-grade analytics for serious traders and financi |
| ina Payments Pre Seed | India | Fintech | Ina Payments is an Indian fintech company providing advanced POS, SoftPOS, and payment gateway solutions for banks and businesses in India. |
| Wiserstaff Seed | Morocco | E-Commerce | Independent HR software reviews, scored after a real test. |