# Nedbank Partnership PAMP Group Holdings (DukaExpress), founded by Leon Mutambala, has established a strategic banking partnership with Nedbank to serve as the primary payment gateway for the Pan African Marketplace. This partnership enables DukaExpress to offer card payments, EFT/A2A transfers, mobile wallets, value-added services, and rewards integration across South Africa and expansion markets. ## Partnership Summary ## Partnership Letters ### Letter to Nedbank (Partner Bank) The formal partnership letter to Nedbank, dated 11 February 2026, outlines the strategic intent and scope of the PAMP × Nedbank collaboration. Key points from the letter include: - **Strategic Vision**: PAMP Group Holdings positions DukaExpress as a Pan-African super-app marketplace requiring a trusted banking partner for payment processing, merchant settlement, and financial services infrastructure across the continent. - **Scope of Partnership**: The letter requests access to Nedbank's full API Market suite covering 7 API categories — Authorisation, ePay Solutions Enterprise, Payments, Wallet (MobiMoney), Value-Added Services, Rewards, and Customers. - **Market Opportunity**: The letter presents the Total Addressable Market across e-commerce ($46.1B), mobile money ($9.18B), last-mile logistics ($1.58B), ride-hailing ($2.64B), EdTech ($7.32B), digital health ($3.8B), and PropTech ($179M SA). - **Technical Readiness**: PAMP has a multi-cloud, multi-region infrastructure (AWS af-south-1, Azure South Africa North, GCP africa-south1) with PCI DSS scope reduction via Nedbank JS SDK tokenization. - **Compliance Commitment**: Full compliance with FSCA, SARB, POPIA, FICA, and PCI DSS requirements. No PAN storage on PAMP infrastructure. - **Growth Trajectory**: Phased rollout starting with South Africa, then expanding to Morocco, DRC, Nigeria, Kenya, Senegal, and Ghana. ### Submission Letter to Nedbank The submission letter accompanies the formal application to Nedbank's API Market program. It includes: - **Company Registration Details**: PAMP Group Holdings (Pty) Ltd registration information and director details. - **Business Description**: DukaExpress as a multi-sided marketplace connecting buyers, sellers, and service providers across Africa. - **Technical Architecture Summary**: Microservices architecture with 9 MVP services (identity-svc, merchant-svc, catalog-svc, order-svc, payment-svc, ledger-svc, shipping-svc, admin-svc, notif-svc). - **Integration Requirements**: Detailed API category requirements with use cases for each of the 7 API categories. - **Compliance Documentation**: PCI DSS compliance approach, data handling policies, and security architecture overview. - **Projected Transaction Volumes**: Estimated monthly transaction volumes for Year 1 through Year 5 across all markets. ## Nedbank API Categories The partnership provides access to 7 API categories through the Nedbank API Market: IDENTITY EPAY --> PAYMENT PAY --> PAYMENT WALLET --> PAYMENT VAS --> ORDER REWARDS --> ORDER CUSTOMERS --> MERCHANT PAYMENT --> LEDGER `} /> ## Technical Pack Summary The PAMP × Nedbank Partner Technical Pack defines the technical integration specifications, sandbox environment details, and certification requirements. ### Integration Architecture NB_SDK NB_SDK -->|Card data direct — never touches PAMP| TOKEN_SVC TOKEN_SVC --> THREEDS THREEDS --> EPAY_ENGINE NB_SDK -->|Token only returned| CHECKOUT CHECKOUT --> API_GW API_GW --> PAY_SVC PAY_SVC --> IDENTITY_SVC PAY_SVC -->|Token-based payment request| EPAY_ENGINE EPAY_ENGINE --> SETTLE SETTLE --> NB_WEBHOOK NB_WEBHOOK --> WEBHOOK_HANDLER WEBHOOK_HANDLER --> PAY_SVC PAY_SVC --> LEDGER_SVC `} /> ### Sandbox Environment ### Security and Compliance Requirements ## Onboarding Timeline and Status The Nedbank integration follows a three-stage onboarding process: Sandbox, UAT, and Production. ### Onboarding Checklist ## Webhook Events Nedbank delivers webhook notifications for key payment lifecycle events. All webhooks are signed with HMAC-SHA256 and must be verified before processing. ## Integration Status Dashboard ## Expansion Market Strategy The Nedbank partnership initially covers South Africa. For expansion markets, the following strategy applies: