Accra, Ghana — West Africa

Platform for smart credit

Reduce bad debt,
recover smarter.

Screen customers, manage credit and automate collections across bank, mobile money and wallet — all from one dashboard.

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Connected by experience

Built for real-world credit and repayment across African markets.

Repayment channels

Bank, mobile money and wallet rails in one layer.

Guided steps

From business onboarding to recovered revenue.

24/7

Monitoring

Automated reminders, follow-ups and retries.

100%

Audit-logged

Every action traceable, consent-first by design.

One platform, built around you

Choose the way you extend credit.

Whether you run a lender, a distribution business, a school or you're repaying a facility, there's an Orstra experience built for how you collect.

For lenders

Credit & collections

Screen, lend and recover with full portfolio visibility.

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For businesses

Customer credit

Offer installments and deferred payment with confidence.

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For finance teams

Repayment rails

Authorized collections across bank, momo and wallet.

How it works

For borrowers

Customer portal

Track balances, pay early and download receipts.

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How Orstra connects

One practical layer between where the money sits and where the repayment needs to land.

Where money is held

Bank accounts
MTN MoMo
Telecel Cash
AirtelTigo Money
Digital wallets

Orstra layer

Screening & risk
Credit management
Smart collections
Reconciliation
Reporting & audit

Where it needs to go

Lenders & MFIs
Distributors
Schools & clinics
Telcos & corporates
Fintech platforms

Shop owner in Accra accepting a payment on a mobile phone

Repayments are personal

Behind every repayment is a shop restocked, a school fee cleared, a business that keeps its lights on.

Orstra's job is to make those moments unremarkable — money arriving where it should, when it should, whether it comes from a bank, a wallet or a mobile money account.

Built for how Africa repays. Mobile money first, banks alongside, every cedi accounted for.

Orstra for lenders

Make your institution part of every repayment journey.

Connect borrowers, billers and business partners to one collection layer, collect through multiple channels, and simplify payment identification and reconciliation.

Discuss a lending partnership

In-book collections

Corporate collection services

Partner & biller connectivity

Multi-channel repayments

Payment identification

Reconciliation & reporting

And when you're ready to lend digitally

Orstra's credit infrastructure covers both sides of digital lending.

Orstra Core

Run your credit book end to end — origination, scheduling, disbursement, accruals and repayments on one ledger. Deploy it as your system of record, or alongside an existing core so high-volume activity never touches its performance.

Origination to recoveryInterest & accrualsPortfolio ledger

Orstra Pulse

Automated credit decisioning built for small-ticket lending. Multi-source data and risk scoring approve, price and schedule in seconds — because small loans only work when the decision costs next to nothing.

Screening & KYCAffordability checksRisk buckets

Orstra customer portal

Every balance, schedule and receipt in one place.

Borrowers see exactly what they owe, when it's due and what has cleared — so repayment stops being a phone call and starts being a tap.

Live balances & schedulesPay early or in partLinked bank & MoMo accountsDownloadable receiptsRepayment remindersSupport & disputes

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Orstra customer portal on a mobile phone

Trusted infrastructure for lenders across Africa

Consent-first

Every collection authorized by the customer.

Bank-grade security

Encrypted data and role-based access.

Audit-logged

Every action traceable, end to end.

Credit facilities

Create loans, set schedules and monitor every account in real time from a single portfolio view.

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Multi-source repayments

Bank, mobile money and wallet channels — authorized, verified and reconciled automatically.

Portfolio intelligence

Risk buckets, recovery rates and downloadable reports for every role in your business.

What is Orstra?

Unlock the full potential of your credit portfolio

Orstra helps businesses screen customers, manage credit and improve collections through intelligent repayment infrastructure.

Reduce bad debt

Identify risk before extending credit.

Improve collections

Automate repayment monitoring and recovery.

Credit confidence

Decide using screening and risk intelligence.

Save time

Replace manual follow-ups and spreadsheets.

The Orstra story

Built in Accra, for the way credit really works here.

Origin

Founded in Accra to fix broken repayment collection.

Screening

Identity, affordability and risk checks unified.

Rails

Bank, mobile money and wallet collections connected.

Portal

Borrowers get their own view of every obligation.

Today

One layer between where money sits and where it's owed.

For developers

The Orstra API platform is on its way.

Screening, credit creation, collections and reconciliation already run on Orstra rails. We're preparing public APIs, documentation and a sandbox so your team can build on them too.

Join the early-access list

Screening API

Collections API

Repayment webhooks

Sandbox environment

Reconciliation feed

API reference

Core solutions

One stack. The entire credit lifecycle.

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Customer Screening

Identity, risk, affordability and profiling.

Credit Management

Create credit, schedule repayments, monitor accounts.

Smart Collections

Reminders, automated follow-ups and recovery.

Multi-Source Repayments

Bank, mobile money and wallet — authorized.

Business Intelligence

Analytics, reports and portfolio health.

Customer Portal

Borrowers track balances, pay and download receipts.