
Wafi is an AI-driven payments platform that offers a simpler, safer, and lower-cost way to accept payments compared to traditional methods. It enables customers to pay with one click within apps, websites, or physical businesses, while earning rewards and promotions. Wafi supports one-time and recurring payments, providing payment reminders, failure notifications, and branded receipts. The platform integrates easily via API and plugins for major e-commerce platforms, supporting 98% of US banks and all major credit and debit cards, with plans to support crypto wallets. Wafi also offers AI-driven promotional tools to help merchants drive profitable growth by targeting the right customers with rewards and promotions. Pricing is transparent and scales with business size, with no setup fees and competitive transaction fees for bank and card payments. Wafi emphasizes security with multi-factor authentication, proprietary fraud detection, and compliance with AML, KYC, and KYB regulations. The company is based in Dublin, California, and aims to power global commerce by enabling secure, rewarding payments everywhere.

Wafi is an AI-driven payments platform that offers a simpler, safer, and lower-cost way to accept payments compared to traditional methods. It enables customers to pay with one click within apps, websites, or physical businesses, while earning rewards and promotions. Wafi supports one-time and recurring payments, providing payment reminders, failure notifications, and branded receipts. The platform integrates easily via API and plugins for major e-commerce platforms, supporting 98% of US banks and all major credit and debit cards, with plans to support crypto wallets. Wafi also offers AI-driven promotional tools to help merchants drive profitable growth by targeting the right customers with rewards and promotions. Pricing is transparent and scales with business size, with no setup fees and competitive transaction fees for bank and card payments. Wafi emphasizes security with multi-factor authentication, proprietary fraud detection, and compliance with AML, KYC, and KYB regulations. The company is based in Dublin, California, and aims to power global commerce by enabling secure, rewarding payments everywhere.
Founded: 2021
Headquarters: Dublin, California, US
Founder / CEO: Victor Umunze
Product: AI-driven payments platform & API for one-click bank and card payments
Pricing (public): Bank: 1.5% + $0.30; Card: 2.69% + $0.30
Pre-Seed (Dec 2022); total funding reported as $180,000
Payments processing for merchants, reducing transaction costs and improving checkout conversion.
2021
Fintech / Payments
Company reports securing pre-seed funding in Dec 2022; also references a later small angel funding. Investor identities and round amounts are not disclosed in available material.
“Joined Forum VC Accelerator; company reports a pre-seed round and a later small angel funding (investor identities not disclosed).”