FusePay

Market position

Fusepay positions itself as purpose-built for trade businesses in island and frontier emerging markets, contrasting Fuse360 with general-purpose ERP systems. In its launch briefing it names global incumbents Odoo and SAP Business One, which have established African channel partners and enterprise sales infrastructure, and African players Bumpa and Sabi as the competitive field. Press coverage frames the company's move from payments into AI-native operations software as part of a broader pattern among African fintechs, while noting that competitors in Mauritius and East Africa have more capital and market presence. Fusepay cites an estimated 244 million businesses in Africa and $1.5 trillion of continental merchandise trade in 2024 as its addressable opportunity.

Fusepay combines operations management and licensed payments in one system, so that invoices, payments, collections and customer balances stay synchronized instead of being spread across separate software, spreadsheets and messaging apps. Its AI agents run inside the platform rather than as external integrations, and its products are built specifically for trade businesses in island and frontier markets rather than adapted from general-purpose ERP software. FuseCheq's guaranteed post-dated eCheques target the specific transition away from physical cheques in Seychelles.

Technology

Fuse360 is described as an AI-native platform with embedded AI agents that operate inside the system rather than as external integrations, giving them direct access to invoices, inventory movements, payment histories and supplier relationships in order to automate reconciliation, collections, reporting, credit monitoring and analysis. The platform includes a retailer portal for ordering, invoice access, statements and balance tracking, KYB and KYC onboarding tools, and AI-powered credit intelligence. FusePay provides payment rails based on bank transfers, guaranteed post-dated eCheques and mobile money. The products are available on web, iOS and Android, and the company states that data is encrypted and funds are held at regulated banks.

Go-to-market

The company markets directly through its website with demo bookings and founder calls, and expands market by market: Seychelles first, then Mauritius, then selected East and Southern African markets. Its payments business relies on regulatory licensing from the Central Bank of Seychelles and partnerships with regulated banks.

Wholesalers, distributors and manufacturers, along with the retailers, restaurants and hotels they supply; the invoice payment platform is aimed at small and medium-sized businesses managing accounts payable and receivable.

Geography

Headquartered and operating in Seychelles, with an office in Victoria and a parent company registered in Delaware, United States. FusePay has been live in Seychelles since November 2025 and Fuse360 launched there in July 2026, with a planned Mauritius launch in September 2026 and entry into selected East and Southern African markets from late 2026. The team works across multiple locations.

History

Founded in June 2024, the company announced a $350,000 pre-seed round in August 2025 and secured a Payment Service Provider licence in Seychelles, completing final compliance requirements with the Central Bank of Seychelles. Its first product, FuseCheq, offered secure post-dated digital payments as physical cheques were phased out by the Seychelles government, and a B2B invoice payment platform for accounts payable and receivable was prepared for launch in August 2025. The FusePay payments platform went live in Seychelles in November 2025. In July 2026 the company launched Fuse360, an AI-native operating system for wholesalers, distributors and manufacturers, marking its expansion from payments into operations software.

Risks & controversies

Coverage of the Fuse360 launch notes that Fusepay's next target markets in Mauritius and East Africa are more competitive than Seychelles and that incumbents there have more capital and market presence, leaving execution and conversion into traction uncertain. As a licensed payment service provider, the company also depends on continuing compliance with Central Bank of Seychelles requirements.