About

About Palbyte Solutions
Palbyte Solutions is a Kenyan fintech company focused on transforming how digital commerce credit works in Africa. Our flagship product, Ecommlipa, enables e-commerce merchants to offer secure, bank-backed Buy-Now-Pay-Later (BNPL) credit at checkout. By formalising the informal “lipa mdogo-mdogo” system widely used by Kenyan consumers, we are closing the gap between digital shoppers and regulated financial institutions — ensuring transparency, affordability, and trust.

Our Mission
To democratize access to affordable, transparent credit for online shoppers and merchants across Africa. We aim to replace high-cost informal lending with a regulated, inclusive, and tech-driven ecosystem that empowers both consumers and businesses.

Our Vision
To become Africa’s leading digital commerce credit infrastructure, connecting merchants, banks, and consumers through data-driven lending solutions that enhance financial inclusion and economic growth.

What We Do
Ecommlipa acts as a payments and credit orchestration layer for e-commerce. The platform integrates with online merchants, suppliers, and regulated banks to provide instant credit approval at checkout.

Customers get pre-approved bank credit and flexible repayment terms.

Merchants enjoy instant payments, reduced default risk, and higher basket values.

Partner banks manage underwriting, compliance, and collections, ensuring security and scale.

Our system enforces data privacy, consent management, and full transaction transparency, aligning with both consumer-protection regulations and industry best practices.

Market Opportunity
Kenya’s digital lending market disburses more than KES 500 billion annually, yet most consumers rely on unregulated “lipa pole pole” or “lipa mdogo-mdogo” plans. These informal systems lack transparency, often carry hidden costs, and exclude millions from formal credit scoring. Ecommlipa bridges that gap by offering a formalized, bank-linked BNPL model that benefits consumers, merchants, and financial institutions alike.

Partnership with FasterCapital
Ecommlipa has partnered with FasterCapital, a global venture builder based in Dubai, through its EquityPilot program. This collaboration accelerates our growth by providing:

Strategic mentorship and technical validation

Market access and investor introductions

Business model optimization and scalability planning

Support for bank integrations and compliance readiness

Through this partnership, Ecommlipa is poised to scale across Kenya’s top e-commerce sectors within the next 36 months.

Why Ecommlipa Is Different

Bank-Integrated Model: We partner directly with licensed banks for underwriting and loan disbursement, ensuring compliance and reducing default risk.

Merchant-Focused Design: Merchants get paid upfront while their customers pay over time — no credit exposure or delays.

Consumer Transparency: Every transaction includes clear repayment terms, consent management, and pricing visibility.

Low Operational Risk: Ecommlipa’s technology facilitates credit issuance without taking on loan exposure, maintaining an asset-light structure.

Inclusive Growth: We target underserved online buyers, supporting the financial inclusion goals of Kenya’s Vision 2030.

Growth Roadmap

Short-Term (12–18 months): Complete integrations with major banks, onboard key e-commerce merchants, and run pilot city campaigns.

Mid-Term (18–36 months): Achieve revenue breakeven, expand to new merchant verticals, and begin regional rollout across East Africa.

Long-Term: Build a pan-African commerce credit infrastructure, leveraging partnerships with banks, telcos, and digital marketplaces.

Our Team
Led by Paul Mucheru Kamau, Co-Founder of Palbyte Solutions, the Ecommlipa team combines deep fintech, software, and payments experience with a mission to enable fair credit access. Our advisors include mentors from FasterCapital and other regional venture networks.

Core Values

Transparency: Every credit transaction should be clear, fair, and accessible.

Inclusion: We believe digital commerce should work for everyone, regardless of income level.

Partnership: Collaboration with banks, regulators, and merchants ensures sustainable growth.

Innovation: Technology should simplify finance — not complicate it.

Contact Information
???? Headquarters: Nairobi, Kenya
???? Website: www.palbytes.co.ke