Licensed by the Central Bank of Nigeria as a Payment Solution Service Provider

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The Infrastructure Behind Africa's Businesses, Banks and Institutions

Ercas builds and operates the payment, collections, value-added services and cloud infrastructure that regulated organizations run on. Licensed by the Central Bank of Nigeria. Deployed under your brand or ours.

Talk to Sales Explore the platform

  1. Channels

    • Web
    • POS
    • SoftPOS
    • Payment links
    • APIs
    • White-label portals

  2. Products

    • ErcasPay
    • ErcasCollect
    • ErcasPOS
    • ErcasEvents
    • CashMore
    • SageCloud

  3. Core services

    • Reconciliation
    • Wallets
    • Virtual accounts
    • KYC
    • Reporting

  4. Infrastructure

    • SageHive
    • Decentralized cloud hosting
CBN licensedPayment Solution Service Provider
PCI DSSCertified
NDPANigeria Data Protection Act compliant

One platform for collecting, moving and managing money.

Institutions rarely need a single tool. They need payments, collections, services and hosting that reconcile with each other and meet the same compliance standard.

  • Accept payments

    Web, POS and SoftPOS acceptance, domestic and international cards, virtual accounts and wallets, with unified reconciliation.

    Delivered byErcasPay

  • Collect and reconcile

    Structured collections for high-volume institutions, from revenue and fees to tickets and membership dues, with audit-ready reporting.

    Delivered byErcasCollectErcasEvents

  • Launch value-added services

    Airtime, data, bills, electricity, SMS and KYC through APIs or a white-label deployment, without a new build.

    Delivered bySageCloud

  • Run mission-critical systems

    Decentralized cloud hosting with redundancy and automated failover for workloads that cannot go down.

    Delivered bySageHive

Seven products. Run one, or run the full stack.

Each product is built to operate independently or as part of the Ercas platform, so institutions can start where the need is and extend from there.

ProductWhat it doesBuilt forLink
ErcasPayPayment gateway for online and offline acceptance across web, POS and SoftPOS, with payment links, virtual accounts, invoicing, multi-branch management and staff access control.Enterprises, banks, fintechs, SMEsExplore ErcasPay
ErcasCollectCollections and reconciliation platform for high-volume institutions, with centralized dashboards and exportable audit reports.Government agencies, hospitals, schools, membership bodiesExplore ErcasCollect
ErcasPOSPhysical POS terminals for accepting in-person payments, with organized payment records and clearer visibility into sales activity.Retail, supermarkets, restaurants, pharmacies, service businessesExplore ErcasPOS
ErcasEventsTicketing, check-in and event monitoring with transparent settlement and an audit trail from sale to reconciliation.Organizers, venues, sponsorsExplore ErcasEvents
CashMoreAirtime, data, electricity, cable TV and betting top-ups on one platform, with earning opportunities on eligible recharge and bill-payment transactions.Everyday users, resellers, small business ownersExplore CashMore
SageCloudAPI platform to embed airtime, data, bills, electricity, betting, bulk SMS and BVN and NIN verification into your own product.Fintechs, banks, SaaS platforms, enterprisesExplore the APIs
SageHiveDecentralized cloud hosting with redundancy and automated failover for financial and payment applications.Banks and regulated institutionsTalk to the infrastructure team

Built for the institutions that carry the load.

The same licensed infrastructure, configured for four kinds of buyer. Each one typically deploys a different part of the stack.

BuyerErcasPayErcasCollectSageCloudSageHive

Banks and financial institutions

Complement core systems with modern payment rails, or launch new services without a new build.

Typically deploysErcasPaySageCloudSageHive
Typically deploys ErcasPayNot typicalTypically deploys SageCloudTypically deploys SageHive

Government and institutions

Agencies, hospitals, schools and membership bodies digitize collections with the transparency that audit requires.

Typically deploysErcasCollectErcasPay
Typically deploys ErcasPayTypically deploys ErcasCollectNot typicalNot typical

Enterprises

Accept payments across branches and channels, control staff access and automate reconciliation.

Typically deploysErcasPaySageCloud
Typically deploys ErcasPayNot typicalTypically deploys SageCloudNot typical

Fintechs and platforms

Reach market faster with white-label payments and embedded services on a licensed foundation.

Typically deploysErcasPaySageCloudSageHive
Typically deploys ErcasPayNot typicalTypically deploys SageCloudTypically deploys SageHive

Deploy the way your institution needs.

Every model is designed to meet regulatory expectations and your internal governance requirements.

  1. Direct

    Run on Ercas infrastructure under the Ercas licence, with the fastest route to production.

  2. White-label

    Launch under your own brand, domain and colors, with a clear path to deeper ownership as volumes grow.

  3. Hybrid

    Connect Ercas services to your internal systems while keeping your own governance model.

Regulated by design.

Compliance is part of how the platform is built and operated, not a layer added afterward. Every document below is available to your procurement and risk teams on request.

StandardStatusEvidence
CBN licencePayment Solution Service ProviderRequest licence reference
PCI DSSCertifiedRequest certificate
NDPACompliant with the Nigeria Data Protection ActRequest statement and DPO contact
Security practicesEnd-to-end encryption, audit logs, regular penetration testingRequest security overview

Discuss your institution's requirements.

Our team will scope a deployment against your channels, volumes and compliance needs.

Talk to Sales Request a technical briefing
support@ercas.ng +234 (0) 813 251 5543

Lagos56, Awolowo Road, Opposite Ikoyi Plaza, Ikoyi, Lagos.

IbadanCapitalSage House, Kenneth Dike, Secretariat Road, Beside Customs Office, Ibadan.