# Vendy

> Vendy is a Lagos-founded payment infrastructure company that lets businesses accept payments inside the places people already chat - WhatsApp, Instagram, Telegram and AI assistants. Sellers spin up a shop in minutes with a catalog, cart, automated invoicing and checkout, and buyers pay without downloading an app or signing up. Started in Y Combinator's W22 batch, Vendy now positions itself as 'agentic payments infrastructure,' offering a single API across cards, bank transfers, mobile money and USSD, and reports more than 20 million transactions processed for around 2,000 merchants.

- **Founded:** 2022
- **Headquarters:** Lagos, Nigeria
- **Founders:** Kayode Disu (Co-founder & CEO), Peter Ekunkoya (Co-founder)
- **Team size:** ~20-21 employees
- **Products:** WhatsApp Storefront, UPA Payment Agent, Virtual Terminal, Sync, Payments API & SDKs
- **Notable:** Selected for Y Combinator's Winter 2022 batch, Central Bank of Nigeria-licensed Payment Solution Service Provider (PSSP), Meta-approved WhatsApp Business Solution Provider

## Products & services

- **WhatsApp Storefront** — A customizable shop inside WhatsApp where sellers list a product catalog and buyers browse, search, add to cart, receive automated invoices and pay - with no app download or signup.
- **UPA Payment Agent** — Vendy's core 'agentic' payments layer that integrates checkout into social platforms and AI chatbots so transactions complete inside the conversation.
- **Virtual Terminal** — In-person payment acceptance on any device, no dedicated hardware required.
- **Sync** — Fast checkout for retail merchants.
- **Payments API & SDKs** — A single developer-facing API supporting cards, bank transfers, mobile money and USSD for third-party integrations.

## Achievements

- Selected for Y Combinator's Winter 2022 batch
- Central Bank of Nigeria-licensed Payment Solution Service Provider (PSSP)
- Meta-approved WhatsApp Business Solution Provider
- PCI DSS certified and NDPR compliant
- Reports 20M+ transactions processed and ~2,000 active merchants
- Finalist in the Fintech & Insurtech category at South Summit Madrid 2026

## Latest updates

- **2026-05** — Named a finalist in the Fintech & Insurtech category at South Summit Madrid 2026.
- **2025-07** — Repositioned as 'agentic payments infrastructure,' extending checkout to Instagram, Telegram and AI chatbots and detailing a 1% fee plus tiered SaaS model.

## Links

- Website: https://myvendy.com
- LinkedIn: http://www.linkedin.com/company/usevendyhq
- Twitter/X: https://twitter.com/vendymoney
- Instagram: https://instagram.com/paywithvendy
- Facebook: https://facebook.com/paywithvendy

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Profile page: https://yespress.io/vendy-yc-w22
Published by YesPress — https://yespress.io
Last updated: 2026-07-30