SWAVE Money
Business Banking

Powering Businesses
Unlocking Growth

Everything your business needs to accept payments, manage operations, reach more customers, and grow with confidence—from your neighbourhood to the global marketplace.Whether you're launching your first business, running a growing retail store, managing multiple branches, or scaling an enterprise, SWAVE Business gives you the tools to get paid faster, operate smarter, and unlock new opportunities—all from one connected platform.

Solutions

Financial tools built for Nigerian business

Business Banking

Business Banking That Works as Hard as You Do

Running a business is demanding enough, your banking shouldn't add to the workload. Whether you're a startup, SME, retailer, wholesaler, manufacturer, or growing enterprise, SWAVE Business Banking provides everything you need to manage your finances efficiently from one intelligent platform. Open a dedicated business account in minutes, receive payments instantly, pay staff and suppliers with ease, monitor your cash flow, and keep your business finances organised. Every transaction is designed to be fast, secure, and transparent, giving you the confidence to focus on serving customers and growing your business instead of managing paperwork.

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Unlike traditional business banking, SWAVE goes beyond simply holding your money. Your Business Account connects seamlessly with Merchant Payments, SoftPOS, Bulk Transfers, Business Analytics, SWAVE Market, and future business finance solutions, creating a complete financial ecosystem that grows with your business. As your business expands, SWAVE expands with you, providing smarter tools, better insights, and greater opportunities every step of the way.

Whether you're processing your first customer payment or managing thousands of transactions every day, SWAVE Business Banking gives you the foundation to operate with confidence.

  • Open a business account in minutes
  • Instant payment settlements
  • Business expense management
  • Secure business loans at competitive rate
  • Integrated with all SWAVE Business tools
Business Banking illustration

SWAVE SoftPOS

Turn Your Smartphone Into Your Business Counter

Growing your business shouldn't require investing in expensive payment terminals. With SWAVE SoftPOS, your compatible Android smartphone becomes a secure contactless payment terminal, allowing you to accept Visa, Mastercard, Verve, and digital wallet payments wherever your customers are.

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Whether you're delivering products, attending exhibitions, running a restaurant, operating a supermarket, managing a pharmacy, or selling at local markets, SoftPOS gives your business the flexibility to accept professional payments without additional hardware.

It's fast, secure, and designed for businesses that want to stay mobile without compromising customer experience.

  • No separate POS device
  • NFC contactless payments
  • PCI-DSS compliant
  • Free activation
SWAVE SoftPOS illustration

SWAVE Market

Take Your Business Beyond Your Location

Your next customer might not live in your neighbourhood—or even your country.
SWAVE Market gives every business a professionally managed online storefront where you can showcase products, receive secure payments, manage inventory, and sell with confidence. Whether you're a retailer, manufacturer, artisan, wholesaler, or service provider, SWAVE helps you establish a digital presence without the complexity or high costs often associated with e-commerce.

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What makes SWAVE Market truly different is its integration with SWAVE Global Payments. Customers in the United States can buy in USD, shoppers in the United Kingdom can pay in GBP, buyers across Europe can use EUR, while your business receives settlement directly in your preferred local currency. We take care of the payment infrastructure, currency conversion, and transaction processing so you can focus on serving your customers.

  • Free online storefront
  • Unlimited product listings
  • Integrated payments
  • Global customer reach
SWAVE Market illustration

Bulk Transfers

Pay Hundreds of People as Easily as One

Whether you're processing payroll, paying suppliers, rewarding agents, or settling contractor invoices, SWAVE Bulk Transfers eliminates the time and complexity of manual payments.

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Upload a single file or integrate directly through our APIs to securely process thousands of payments with complete visibility and detailed reporting. Designed for growing businesses, SMEs, and large enterprises, Bulk Transfers saves valuable time while reducing operational risk.

Spend less time processing payments and more time building your business.

  • Payroll processing
  • Supplier payments
  • CSV & API integration
  • Full audit trail
Bulk Transfers illustration

Business Analytics

Smarter Decisions Begin With Better Insights

Every transaction tells you something about your business. The challenge is knowing how to use that information.
SWAVE Business Analytics transforms your payment activity into practical insights that help you understand customer behaviour, monitor sales performance, manage cash flow, identify growth trends, and make more informed business decisions.

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Access daily, weekly, and monthly reports, export your data whenever you need it, reconcile payments more efficiently, and gain the visibility required to grow confidently in an increasingly competitive marketplace.
Because successful businesses don't rely on guesswork—they rely on good information.

  • Real-time business dashboard
  • Sales & payment reports
  • Easy reconciliation
  • Export to Excel & PDF
Business Analytics illustration

Invoicing & Payment Links

Create an Invoice. Share a Link. Get Paid Faster.

Getting paid should be simple—not a constant follow-up exercise. SWAVE Invoicing & Payment Links helps businesses request and receive payments professionally, whether you're serving customers in person, online, or through social media.

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Create branded invoices in seconds, generate secure payment links, and send them instantly via WhatsApp, email, SMS, or any messaging platform. Your customers can pay using bank transfers, debit cards, QR codes, or their SWAVE Wallet, making checkout convenient while helping you get paid faster. Whether you're a consultant, freelancer, contractor, retailer, school, healthcare provider, or service business, SWAVE makes collecting payments effortless. Every invoice is easy to track, payment status is updated in real time, and reconciliation becomes significantly simpler.

Spend less time chasing payments and more time building your business.

  • Professional digital invoices
  • Secure payment links
  • Share via WhatsApp, Email or SMS
  • Real-time payment tracking
  • Faster collections
Invoicing & Payment Links illustration

Business Finance

Coming Soon

Funding That Grows With Your Business

Every successful business reaches a point where opportunity arrives faster than available capital. Whether you're buying inventory, expanding into a new location, purchasing equipment, hiring more staff, or fulfilling larger customer orders, access to finance can determine how quickly your business grows.

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SWAVE Business Finance is being designed to make funding simpler, faster, and more accessible for businesses that demonstrate real performance. Instead of relying solely on traditional collateral or lengthy application processes, our intelligent lending approach will use your transaction history, payment activity, business performance, and financial behaviour within the SWAVE ecosystem to help assess your eligibility and match you with suitable financing solutions. This means businesses with strong performance can gain access to working capital, inventory financing, equipment loans, expansion funding, and other tailored financial products with greater speed and transparency.

Our vision is simple: if your business is growing, your access to funding should grow too. SWAVE Business Finance is designed to become a trusted financial partner that supports your ambitions—not just your transactions. Because every great business deserves the opportunity to become even greater.

  • AI-powered business credit assessment
  • Working capital solutions
  • Inventory & expansion financing
  • Transparent lending decisions
  • Faster access to business funding
Business Finance illustration

Customer Loyalty & Rewards

Turn Every Customer Into a Returning Customer

Acquiring new customers is important but keeping them is what builds lasting businesses. SWAVE Loyalty & Rewards will help businesses create cashback campaigns, reward loyal customers, distribute digital vouchers, launch referral programmes, and run personalised promotions—all from within the SWAVE platform.

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Instead of relying on expensive third-party loyalty systems, businesses can build stronger customer relationships using the same ecosystem that processes their payments.

  • Cashback campaigns
  • Customer rewards
  • Referral programmes
  • Digital coupons & vouchers
  • Repeat customer insights
Customer Loyalty & Rewards illustration
Coming Soon

Pricing is on the way

We're finalising our plans. Check back soon.

Pricing

Simple, transparent pricing

No hidden fees. No surprises. Pay for what your business actually needs.

STARTER

FREE

For individuals and small businesses just getting started

  • Up to 100 transactions/month
  • Merchant payments
  • Payment links
  • Basic analytics

GROWTH

₦5,000/mo

For growing businesses that need more power

  • Unlimited transactions
  • SoftPOS access
  • SWAVE Market store
  • Dedicated support
  • Scheduled & recurring transfers

ENTERPRISE

Custom

For large businesses and enterprises with specific needs

  • API access & webhooks
  • Bulk payments
  • Custom integration
  • SLA-backed support
  • Dedicated account manager

Ready to grow your business with SWAVE?

Join thousands of Nigerian merchants already processing payments on SWAVE.