The financial operating system for African businesses
Move money globally, hold funds securely, and automate financial operations, all from one unified platform built for scale.
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A fully integrated suite of financial products
Duplo centralizes payments, reconciliation, expense management, and financial reporting into one integrated platform, helping businesses automate workflows and maintain full visibility over their financial operations.
Expense management
Control, track, and optimize your expenditures in real-time. Duplo gives you automated spend tracking, instant approvals, and clear insights that help your business manage costs and prevent budget leaks.
Global payments​​
Make & collect local and international payments on one dashboard with fast transfers, and multi-currency support.
Global accounts
Open multi-currency accounts, enjoy real mid-market FX rates, and pay low fees – all in one platform.
E-invoicing
Issue & manage NRS-compliant e-invoices without building complex integrations or slowing down operations. Stay compliant. Stay audit-ready. Operate without disruption.Â
Built on security.
Driven by compliance.
Duplo meets the highest international security standards and holds licenses that allow us to operate securely across multiple markets.
PSSP License (CBN)​
NDPR Compliant
ISO 27001 & 22301​​
PCI DSS Compliant​​
Achieve greater control, visibility, and efficiency across your business financial operations
Duplo equips finance teams with tools to make seamless local and cross-border payments, manage spend, generate insights, and meet regulatory requirements at scale.
Approval workflows
Streamline & accelerate approvals
Tax management​
Generate taxes & tax reports
Bulk payments
Pay hundreds at once
Direct debit
Pay from your bank accounts
Auto reconciliation
Sync your finance data in real time
Reports & Analytics
Access real-time spend insights
Reimbursements
Manage expense claims seamlessly
Integrations
Integrate your ERP to make and sync payments
Instant FX Swap
Swap currencies in real time
Multi-currency wallets
One wallet for all your currencies
Payment gateway
Receive payments from customers globally
E-invoicing
Generate invoices that meet NRS standard
Full visibility of your expenses, all in one place
Submit
Create expense accounts for different departments. Easily mark expenses as reimbursements for quick claims.
Set Budgets
Set budgets for categories or teams. Stay on track & avoid overspending with clear spending allocations and expense policies.
Approve
Ditch the manual approval process. Set up custom approval workflows for your teams and departments.
Track
View the transaction history for each expense account to easliy trace the flow of funds and stay on top of your cash flow.
Power your platform with Duplo APIs
Build smarter, faster, and more secure payment solutions with Duplo APIs. From virtual accounts and payouts to FX conversions, approvals, and reporting, our APIs let you seamlessly and securely integrate end-to-end financial operations into your product.
Why businesses choose Duplo for B2B payments​
Faster settlement
We optimize for T+0 settlement depending on the corridor. No more 7-day waits or payment limbo.
Full visibility & audit trails
Track payment status, access real-time reconciliation data, and export compliant records with a click.
API-first architecture
Build Duplo into your platform or back-office tooling with a modern, well-documented API.
Enterprise-grade security
Fully encrypted, licensed, and compliant across all supported corridors.
Check real-time exchange rates
Get up-to-date exchange rates for global and African currencies, and move your money seamlessly across borders. With Duplo, your business can send and receive payments in 80+ currencies across 160+ countries.
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Join the league of winning business using Duplo
Our mission is to ensure that African business can transact easily with one another and globally. We are doing this one business at a time. Join us!
For me, Duplo means simplified efforts! We had a long list of processes and procedures for making payouts to our beneficiaries but with Duplo, where you are, anywhere you are, you can do that with little effort. Duplo has been a very big plus to us.
The first thing that stood out to me was finally being able to create an approval process for expenses, it really lightened the load for me. Plus, having different expense accounts have made our accounting process very seamless, no more going through bank statements line by line. Duplo is like our personal accountant!
Duplo has been a gamechanger for our business. Our expenses now go through the right approval chain, reports are cleaner, and quarterly audits are now easier to put together.
Duplo has completely transformed the way I manage expenses across my region. I now have full visibility into how much is spent per store and can quickly identify which items consume the largest share of funds. The transparency and speed it brings to expense management are truly brilliant.
My experience with Duplo has been pretty good to be honest. My expense management and business payments have been optimised ever since I started using Duplo Spend, and I sincerely look forward to a sustained relationship across board.
Got questions? We've got answers
What is Duplo and how does it help businesses?
Duplo is a unified B2B payment and spend management platform designed for SMEs and mid-market enterprises in Africa. It helps businesses automate financial operations by unifying approvals, vendor payments, and expense management into a single “local-first” platform, reducing manual work and improving cash flow visibility.
What can I do with Duplo?
With Duplo, businesses can:
- Make local and international payments
- Manage expenses and approval workflows
- Generate and track invoices (including NRS-compliant e-invoices)
- Reconcile transactions automatically
- Access real-time financial reporting
All from a single platform built for scale.
Does Duplo support cross-border payments?
Yes. Duplo supports payments in 80+ currencies across 160+ countries, enabling businesses to pay suppliers and receive funds globally from one platform
Who is Duplo for?
Duplo is designed for:
- Finance teams
- SMEs and large enterprises
- Businesses managing local and global payments
Companies looking to automate and scale financial operations
Does Duplo integrate with accounting software like Xero or QuickBooks?
Yes, Duplo provides seamless integration with popular ERP and accounting tools such as Xero, QuickBooks, and Sage. This ensures that every transaction is automatically reconciled, giving finance teams real-time data without manual entry.
Does Duplo operate outside Nigeria
Yes, We have an office in South Africa. Duplo SA is specifically designed for the South African market, allowing businesses to manage ZAR payments, run local approvals, and process payouts. Through our partnership with Ozow, we provide secure and instant account-to-account (EFT) payment rails for SA businesses.
Learn more – sa.tryduplo.com
How secure is Duplo?
Security is our priority. Duplo is PCI DSS compliant and utilizes bank-grade encryption to protect financial data. We partner with licensed financial institutions in Nigeria and South Africa to ensure all fund movements are secure and compliant with local financial regulations.
How fast are settlements on Duplo?
Duplo is built for speed. In Nigeria, we offer rapid settlement cycles that ensure your vendors and partners receive funds without the typical delays associated with traditional B2B transfers. In South Africa, our Ozow-powered rails provide instant or near-instant EFT payments.
How do I get started with Duplo?
You can sign up or request a demo. The onboarding process is designed to be smooth, with support to help you integrate and start managing your financial operations quickly.
Ready to streamline
your financial operations?
Sign up or book a free demo to explore how Duplo supports enterprise businesses with reliable payments, stronger financial controls, and compliant operations across borders.