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Obiwezy

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Obiwezy

Obiwezy maximizes the use of standardised, partner-bank APIs to achieve a frictionless payment experience for its customers.

Obiwezy maximizes the use of standardised, partner-bank APIs to achieve a frictionless payment experience for its customers.

The Situation

Obiwezy, in its keen commitment to the changing the face of e-commerce in Nigeria and perhaps in Africa, have established a store to serve the needs of gadget users and lovers, primarily involved in the sales of brand new and used gadgets including phones, tablets, laptops.

Obiwezy partnered with OnePipe to maximize the use of standardized, partner-bank APIs that exist on OnePipe’s gateway to achieve a frictionless payment experience for its customers.

The OnePipe Solution

Obiwezy’s use case involves the use of designated APIs that open an embedded account for the customer at the point of checkout and APIs that enable the movement of funds paid into Obiwezy’s designated account resulting in a hitch-free, convenient, timely transaction end-to-end.

Customers can pay for these gadgets seamlessly by bank transfer, such that when payments hit the specific account, Obiwezy can auto-reconcile to determine what has been paid for and who paid.

In simple steps:

  1. Obiwezy generates a virtual account for customers in real-time
  2. Customers transfer money to that account
  3. Obiwezy is notified that such transfers have been received so that they can auto-reconcile and fulfill orders
  4. Funds are immediately deposited from the transit accounts into Obiwezy’s account.

The Situation

Obiwezy, in its keen commitment to the changing the face of e-commerce in Nigeria and perhaps in Africa, have established a store to serve the needs of gadget users and lovers, primarily involved in the sales of brand new and used gadgets including phones, tablets, laptops.

Obiwezy partnered with OnePipe to maximize the use of standardized, partner-bank APIs that exist on OnePipe’s gateway to achieve a frictionless payment experience for its customers.

The OnePipe Solution

Obiwezy’s use case involves the use of designated APIs that open an embedded account for the customer at the point of checkout and APIs that enable the movement of funds paid into Obiwezy’s designated account resulting in a hitch-free, convenient, timely transaction end-to-end.

Customers can pay for these gadgets seamlessly by bank transfer, such that when payments hit the specific account, Obiwezy can auto-reconcile to determine what has been paid for and who paid.

In simple steps:

  1. Obiwezy generates a virtual account for customers in real-time
  2. Customers transfer money to that account
  3. Obiwezy is notified that such transfers have been received so that they can auto-reconcile and fulfill orders
  4. Funds are immediately deposited from the transit accounts into Obiwezy’s account.

The Outcome

The adoption of this payment experience is beneficial to both Obiwezy and the customers. For the customers, it fits better with the current behaviour of using their own bank’s Apps or USSD. It is a smoother and less complex flow than having to enter card details, it has a high transaction success rate and disputes have a clearer, better understood operational model (just contact your bank). For merchants, there is less operational dependencies versus card payments , there is easy auto-reconciliation of transactions and it guarantees cheaper, faster and simplified way for you to receive payments with instant (nearly instant) payment notification.  Down the line, we will empower your business to earn revenue from banking services over time while driving loyalty among customers. (

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