Our rules


When anyone pledges/donates/invests funds through https://www.investinafrica-now.com/investinafrica/invest-in-opportunities/, it is recorded to that project. The investors (backers) also has an account created seamlessly and automatically for them during checkout. After checkout, they’re redirected to their own member dashboard and see evidence of their transaction immediately. Email notifications are sent out regarding this transaction as well.

With PayPal Adaptive or Stripe Connect, the backer commits to paying a certain amount, and that amount is not taken until an administrator chooses to process all transactions related to a project. So until then, no funds are actually taken from a backer’s credit card or PayPal account. This option is called “100% Threshold or All-or-Nothing”. Other options are also available, such as “immediate payments”, whereby all funds will transfer to your and your project creators accounts the moment the transaction occurs.

While there are many ways to integrate crowd-funding into an application, the following business flow is supported:

Vet and post an event

1. The process begins when a project owner submits an event to the crowd-funding platform. Included in the submission is a detailed description of the event, the target goal amount, and a specific fund-raising duration.
2. Invest in Africa Now! platform reviews the project.
3. If the platform approves the project, it collects the project owner’s PayPal account information through their Log In with PayPal (formerly PayPal Access) account.

If the flow is through a chained payment, the primary receiver is set to the project owner. This makes the main fund the receiving account when the pre-approval transactions are collected upon the successful completion of an event.

4. After the PayPal or Stripe accounts are set, the platform can launch the project by posting to their website the details, time period, and target amount of the crowd-funding event.

Pre-approve pledge amounts
1. An event customer chooses a project and clicks the Pledge or Contribute button.
2. The customer is directed to PayPal or Stripe where they agree to a one-time pre-approved payment.
3. After agreeing to the payment, the customer is redirected back to the platform and their pre-approved amount is added to a running subtotal of the pledge amounts.

Complete a project and collect pledged funds

At the end of an event, the platform checks to see if the target amount has been met (or exceeded).
If the goal is not met, all pre-approved transactions must be cancelled and no event customer’s account should be debited for the event.

If the target is met, the platform triggers the pre-approved payments from the PayPal accounts of the event customers. In a chained payment model, the funds are moved to the project owner’s PayPal or Stripe account first, after which a pre-determined portion of fees and commissions are sent to the platform (the secondary account) from the project owner’s account. In parallel payment model, funds are instantly transferred to both primary and secondary PayPal or Stripe accounts upon the success of the event.

Important: PayPal’s or Stripe’s pre-approval payment billing agreement does not guarantee the availability of funds. This can result in the total collected amount to be less than total of the pledged amounts.

Convertible Notes

A convertible note is an investment vehicle often used by seed investors investing in startups who wish to delay establishing a valuation for that startup until a later round of funding or milestone. Convertible notes are structured as loans with the intention of converting to equity. The outstanding balance of the loan is automatically converted to equity at a specific milestone, often at the valuation of a later funding round. In order to compensate the angel investor for the additional risk of investing in the earlier round, convertible notes will sometimes have additional clauses, such as caps, and or discounts.


Companies will sometimes divide common stock/equity into two classes, Common A stock, and Common B stock; Common A stockholders taking priority over Common B stockholders. Preferred stockholders (also called preferred equity holders) have greater claim to the company’s assets than common stockholders. They are first in line to collect a payout if solvency event lower than the company’s valuation occurs (think: bankruptcy, mergers, acquisitions). Startup investors typically hold Preferred Stock/Equity, whereas founders generally hold Common Stock/Equity. In a priced equity round, shares in the startup have a fixed price, and investors can purchase equity in the company by buying shares at the price during that round.

Employees often hold options that grant them the right to purchase shares of Common Stock/Equity, subject to vesting schedules. Preferred stock rights help to minimize investor’s exposure to risk in future funding rounds. Investors who receive preferred stock can negotiate a set of terms that are favorable to them in the event of a drop in the value of their investment, such as a down round (when a company raises funding at a lower value than in a previous round), or when a company issues additional shares, which dilutes an individual investor’s percentage of equity in the company.

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