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Give businesses a digital presence where they can showcase products, reach customers and manage orders.
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Building the digital infrastructure for everyday commerce in Africa.
PYO connects businesses and consumers through a localized, accessible and scalable commerce ecosystem.
Our Core
One ecosystem for everyday commerce.
Market
Make products and services easier to discover by bringing businesses and customers together in one marketplace.
Wallet
Support a more connected transaction experience through integrated payment and wallet functionality.
The Opportunity
Commerce is already digital. The infrastructure is fragmented.
African businesses already trade through social media, messaging apps, phone calls and direct transfers. The problem is that these channels were not designed to provide an end-to-end commerce experience.
Discovery
Products and businesses are scattered across social platforms and individual seller pages.
Transactions
Orders, payments and confirmations are often handled manually.
Trust
Fragmented commerce makes verification and transaction visibility difficult.
Accessibility
Customers and merchants navigate multiple disconnected channels.
The Product
Product design around everyday commerce.
Our completed MVP covers merchant and customer experiences, storefronts, product discovery, checkout, orders, communication and wallet/payment functionality.
330+merchants tested the MVP to validate workflows, usability and key market assumptions.
The Team
Building PYO across product, technology and growth.
A multidisciplinary team building the infrastructure for everyday commerce across Africa.
Haruna Zakari
Co-Founder & CEOAn electrical engineer and entrepreneur with over 20 years of experience across financial services, trading, IT and business management. At PYO, he co-leads business strategy, product development and the vision for Africa’s everyday commerce infrastructure.
Nusaiba Said
Co-Founder & CTOA software engineer and product builder leading PYO’s technology, software development and technical architecture. She drives the engineering of the platform, from infrastructure and technology strategy to product refinement and the execution of PYO’s digital commerce vision.
Saidu Tudun-Wada, ESQ
Senior Legal Advisor & MentorA senior legal practitioner with over 30 years of experience and extensive leadership in the Nigerian legal profession. He served as President of MULAN from 2023 to 2026 and brings broad expertise in legal practice, professional leadership and strategic legal mentorship to PYO.
Ahmad Abubakar GWADABE, ESQ
Legal & Corporate Affairs AdvisorA legal practitioner, litigator and Bar leader with over a decade of experience in legal practice, corporate law and property law. He supports PYO on corporate agreements, legal advisory, intellectual property, trademarks and other corporate legal affairs, bringing extensive advocacy and professional leadership experience.
Rabiat Abdulrasheed
Financial Operations & Audit AdvisorA banking professional with experience in relationship management, business development and customer-focused financial services. She brings expertise in financial operations, strategic growth and financial oversight, supporting PYO’s financial management and audit processes.
Esther Onivenu Okomayin
Product, Operations & Customer Growth LeadA research and data professional with experience in data management, operational coordination, documentation and structured research. At PYO, she supports product operations, customer-focused strategy and growth, helping translate user needs and operational insights into effective product decisions.
Why PYO
Built around African commerce realities.
Local-first
Designed around local payment, connectivity and operating realities.
MSME-first
Simple and accessible tools for businesses with different levels of digital maturity.
Integrated
Commerce, storefronts, ordering, payments, wallet and customer interaction in one ecosystem.
Community-led
Merchant onboarding, referrals, affiliates and partnerships support trust-based adoption.
Roadmap
From MVP to Africa-wide infrastructure.
Current MVP
- Android MVP
- Digital storefronts
- Product catalogue
- Product sharing
- Order management
- Merchant onboarding
Platform Expansion
- Enhanced storefronts
- Business insights & analytics
- Payment checkout integration
- Merchant APIs & integrations
- Advanced merchant tools
New Horizons
- Digital markets
- Services marketplace
- Smart logistics
- Financial services
- Pan-African expansion
Business Model
We earn when commerce happens.
PYO follows a low-barrier, transaction-led model. Merchants can use the platform without a mandatory monthly subscription, while PYO earns through commerce occurring within the ecosystem.
CURRENT PROPOSED COMMISSION0.5–1.5%
Initial working assumption on successful orders, subject to market validation and transaction data.
Our Vision
Build Africa around the way Africa already trades.
PYO's long-term vision is to become digital infrastructure for everyday commerce across Africa, connecting businesses and consumers through a localized, accessible and scalable ecosystem.
Let's Build
Help us build the infrastructure for everyday commerce.
PYO is moving from MVP validation toward controlled market launch, product strengthening and scalable commercial execution.
Contact PYO