FINANCIAL OPERATING SYSTEM

The financial OS companies build on.

Pay employees, move money, collect recurring payments, verify identities, and power third-party integrations from a single platform.

Payroll
₦4.2M processed
Wallets
1,247 active
Collect
99.1% success
Connect
12 partners
Comply
All verified
Agents
3 active

Powering businesses of all sizes.

Run your business on a reliable platform that adapts to your needs, from your first employee to your ten-thousandth.

Six products. One platform.
Process payroll
Issue wallets
Collect payments
Integrate services
Stay compliant
Power AI agents

How It Works

Onboard, operate, and scale your financial operations in one platform.

Onboard

KYC & AML compliant
Employee accounts
Virtual wallet activation
Benefits enrollment

Operate

Process payroll
Internal & external transfers
Recurring collections
AI agent wallets

Scale

Auto-reconciliation
Webhook integrations
Audit-logged exports
Multi-company support

One system for every financial operation.

Payroll, wallets, collections, transfers, compliance — all sharing the same ledger, the same data, the same employee record. No reconciliation needed.

Process payroll and structure benefits
Issue wallets and move money
Collect recurring payments at source
Integrate third parties via API
Enforce compliance automatically
Explore the platform →
Company wallet
₦2,400,000
Payroll disbursement
₦4.2M
Insurance collection
₦1.2M
Employee transfer
₦285K
API partner payout
₦450K

Built for Your Use Cases

Employers

Run Payroll & Benefits

Compute salaries, deliver benefits through vendors, handle tax filing, and disburse funds to employee wallets in one workflow.

Employees24
Total₦4.2M
Adebayo K.₦185,000Completed
Ngozi O.₦220,000Completed
Fatima B.₦165,000Pending
Lenders & Cooperatives

Collect at Source

Lenders, insurers, and cooperatives plug into Pebbles to deduct directly from payroll. Zero default risk, guaranteed collection.

Partners8
Collected₦2.1M
Meridian Health₦1.2MCompleted
StaffCoop Loans₦890KCompleted
Unity Insurance₦340KCompleted
Platforms & Fintechs

Virtual Wallets for Your Users

Issue wallets to your users, enable peer-to-peer transfers, manage spending limits, and track every transaction in real-time.

Wallets1,247
Volume₦18M
P2P transfer₦45,000Completed
Wallet top-up₦100,000Completed
Vendor payout₦285,000Completed
App Developers & SaaS

Embed Payments in Your App

Integrate the Pebbles SDK. Let users pay with their wallet. Collect subscriptions, process payouts, and manage billing via API.

API calls12K
Success99.8%
SDK checkout₦25,000Completed
Subscription₦5,000/moCompleted
API payout₦450,000Completed
DEVELOPERS

Ship in hours, not months.

Clean REST endpoints, predictable responses, comprehensive webhooks, SDKs in every major language.

Consistent JSON responses
Webhooks for every event type
Sandbox with test credentials
Idempotency keys on all writes
Read the docs →
// Create wallet + fund + collect

const wallet = await pebbles.create({
  owner: 'emp_adebayo',
  tier: 2
});

await pebbles.transfers.send({
  to: wallet.id,
  amount: 285000,
  ref: 'PAYROLL-MAR'
});

await pebbles.collect.subscribe({
  plan: 'health_monthly',
  amount: 5000
});
99.9%
Platform Uptime
One API
Across All Products
< 3s
Transfer Speed

Ready to build?

Tell us about your use case and we'll show you how Pebbles fits your roadmap.

Talk to a product specialist
Custom pricing for your scale
Live demo of the full platform
Talk to us →
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