Exciting News 🎉 Lipa Later Successfully Closes a Kes. 500 Million Privately Placed Debt Issue, Sets sights on raising Kes. 2BN. Find Out More

Why We Built Lipa Later

Only 5% of Africans have access to credit cards or any form of credit. We are on mission to bridging this gap by making credit accessible, enabling Africans to live a dignified life.

Our Story!

Lipa Later was founded to empower African businesses to do more by enabling e-commerce, financial inclusion, and shopping on a centralized and fully integrated platform. Lipa Later has tapped into the rapidly growing online presence across Africa to provide financial solutions to consumers by increasing their purchasing power and being an alternative payment option. Today, we have made credit easily accessible to consumers, reduced friction to create seamless shopping experiences in Africa, and contributed to the growth of our retailers. 

Our retail partners have seen their sales grow by up to 30% since they started. 

To complement our vision, Lipa Later acquired Sky. Garden is an e-commerce platform built for African businesses.

Lipa Later is changing the payments landscape across Africa, which to date has been largely inaccessible for most, but also catalyzing the future of shopping, e-commerce, and payments. Today Lipa Later serves hundreds of thousands of customers and retail businesses in Africa.

Our Impact so far


Users on Lipa Later


Countries present


Merchants across Africa

We have significant presence and coverage in Africa, to ensure you are covered wherever you are.

Our Mission

Lipa Later wants to be the financial control centre for Africa’s 50M retailers.

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