Easypay Mobile Systems Limited is a Nigeria-registered local ICT/fintech company. Its core product, Microflex, is a cloud-based core banking system built for microfinance institutions, microlenders, cooperatives, rural and community banks, private finance companies, and small banks. It is not a single payment gateway in the traditional sense; rather, it is a SaaS platform that combines account opening, accounts, transactions, lending, reporting, HR, and branch management.
Microflex supports both single-branch and multi-branch operations, with centralized management of customers, accounts, deposits, withdrawals, loan applications, interest and fee postings, and management information system reports. The material particularly highlights one-click generation of Central Bank monthly reports, which can be practically valuable for smaller financial institutions with regulatory reporting obligations. On the payment side, it mentions bank account transfers, EasypayCash, virtual Mastercard/VISA prepaid cards, mobile wallet top-ups, e-commerce payments, and bill payments. However, it does not disclose details such as the specific acquiring channels, settlement banks, payout timelines, or country coverage.
Pricing is based on a monthly subscription plus a revenue share. Bronze is β¦35,000/month, Diamond is β¦45,000/month, and Platinum is β¦75,000/month, with claims of unlimited users and no hidden fees. However, one section of the page states that it charges 2.5% of the fees collected by institutions through the system, while the FAQ says 5%, so this should be confirmed before signing. On compliance, the available information only shows that the company is registered in Nigeria, can generate Central Bank monthly reports, and is the authorized representative of Trust Systems & Software in Nigeria. It does not disclose any payment license, banking license, PCI DSS, ISO, or data security certification.
Its strengths are a relatively low cost of entry, cloud deployment that reduces server investment, support for fast data migration, centralized multi-branch operations, and automated reporting. It is relatively friendly to microfinance institutions that still rely on Excel or legacy systems. The weaknesses are that the website contains repeated information and some missing pages, while disclosure around APIs, risk control, payment clearing, and compliance certifications is limited. The fee descriptions are also inconsistent. It is better suited to small local banks, microfinance institutions, and cooperatives in Nigeria that want to digitize their core systems. It is not a good fit for cross-border e-commerce businesses that need global acquiring, mature developer APIs, or clear licensing credentials.
Access from mainland China cannot be determined from the available text, so it should be treated as unknown. Chinese companies looking for a similar core banking or microfinance system may compare it with Mambu, Temenos, Finacle, Oracle FLEXCUBE, Mifos/Fineract, and others. If the actual need is payment acquiring rather than core banking, priority should be given to locally licensed payment institutions or more mature international payment service providers.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on easypayu.net official site.
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