Moniepoint is a financial technology company that provides payment acceptance, banking and credit services to businesses in Nigeria and increasingly a... See Moniepoint open jobs and get referred by a verified employee on RefOpen.
Moniepoint is a financial technology company that provides payment acceptance, banking and credit services to businesses in Nigeria and increasingly across Africa. It is best known for the point of sale terminals and agent network that let small merchants and neighbourhood agents accept card payments, dispense cash and provide basic banking services in places where formal bank branches are scarce. Around that it offers business current accounts, expense management and working capital lending.
The company was founded in 2015, originally as TeamApt, and rebranded to Moniepoint as its merchant facing business became dominant. It is headquartered in Lagos, Nigeria, with engineering and operations staff distributed across Nigeria, the United Kingdom, Kenya and remote locations, and employs roughly 2,000 people. It reached unicorn valuation in 2024 following an investment round led by Development Partners International, with participation from Google's Africa investment fund and others.
Its significance lies in the agent banking model. In markets where branch coverage is thin, a network of small businesses equipped with terminals becomes the practical banking infrastructure, handling cash in and cash out, transfers and bill payment for customers who may not otherwise transact digitally. Moniepoint processes a very large volume of transactions each month through this network and has become one of the larger merchant acquirers on the continent.
Because the business operates in an environment of intermittent connectivity, unreliable power and high fraud pressure, the engineering constraints differ from those in mature markets. Systems must degrade gracefully when networks fail, reconcile reliably once connectivity returns, and detect fraud patterns specific to agent networks and cash handling. Reliability is commercially existential, since a failed transaction at an agent point means a customer who does not receive cash.
Roles cover backend and distributed systems engineering, mobile and embedded terminal software, data engineering and risk modelling, site reliability, security and fraud operations, product management, and a large field and merchant support organisation.
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Moniepoint operates in payments and business banking, is headquartered in Lagos, Nigeria, employs around 1,001-5,000 people.
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