Accept cards. Grow your e-commerce business.
Accept online card payments, track every transaction, and choose settlement in USD or USDT. One platform for your e-commerce payment operations.
Need numbers first? Estimate your fees and payout →
One card payment, start to finish
Illustrative product flow · sample data
Convert to and from USDT
USD, EUR and GBP ⇄ USDT (TRC-20). This is an indicative estimate based on a market reference rate, not a quote. Your firm rate and any fee are confirmed before you transact.
Supported payment methods and settlement
*Depending on your account.
Three connected parts of your payment operation
Take card payments online, keep every transaction in view, and receive your money in the currency that suits your treasury.
Accept cards online
A secure checkout for your web shop or app, with authentication built in.
- Visa, Mastercard and other supported schemes
- Hosted payment page or server-to-server API
- 3-D Secure cardholder authentication
See and manage every payment
Search, statuses, refunds and exports in one dashboard, with fraud screening alongside.
- Real-time transaction status
- Refunds and dispute notifications
- Risk rules and monitoring
Get paid your way
Settlement on an agreed cycle in USD, or converted to USDT and sent to your designated wallet.
- USD, EUR and GBP to USDT conversion
- Firm rate confirmed before you transact
- A statement with every payout
The card products e-commerce businesses need
Accept the cards shoppers use, on any device, with authentication and fraud screening built in.
Online card acceptance
Credit, debit and prepaid cards on Visa, Mastercard and other supported schemes.
Hosted checkout
A secure, mobile-friendly payment page you can launch without building your own form.
API & webhooks
Build your own checkout and receive status updates for every payment.
3-D Secure & fraud tools
Cardholder authentication, velocity rules and risk monitoring.
Multi-currency card payments
Charge customers in USD, EUR or GBP and choose settlement in USD or USDT (TRC-20).
Reporting & reconciliation
Search, filter and export transactions, and match them to settlement statements.
Refunds & disputes
Full and partial refunds, and notifications to help you respond to chargebacks.
Guided onboarding
A clear application and review path to your first live payment.
Convert USD to USDT with a clear quote
Settle card proceeds in US dollars, or convert USD, EUR or GBP to USDT on the TRON network (TRC-20) and receive it in the wallet you designate. You see the rate and any fee before you confirm.
- Supported pairs — USD, EUR and GBP to and from USDT.
- Firm quote first — the estimate here is indicative; your binding rate is confirmed before each conversion.
- Agreed settlement cycle — timing and any rolling reserve are set in your merchant agreement.
A clear path to your first payment
Apply
Tell us about your business, website and expected card volumes.
Verify
We review your company, directors and owners. Documents are collected through a secure link.
Agree & integrate
Receive your proposal and agreement, then connect by hosted page or API and test in the sandbox.
Go live
Accept payments, track them live and receive settlement on your agreed cycle.
Submitting an application starts a review; it does not guarantee approval.
Security at the centre of every transaction
Card data is processed on PCI DSS-certified payment infrastructure operated by our technology provider, with layered controls on top.
PCI DSS infrastructure
Card data is handled in a certified environment, so it never needs to touch your servers when you use the hosted page.
Encryption & tokenisation
Card numbers are encrypted in transit and tokenised for storage.
3-D Secure
Cardholder authentication through Visa Secure and Mastercard Identity Check.
Risk monitoring
Velocity limits, risk rules and blocklists help flag suspicious activity.
KYC & AML
Every merchant is verified before going live and monitored on an ongoing basis.
Data protection
Personal data is handled in line with Kenya’s Data Protection Act, 2019.
curl -X POST https://<gateway-host>/api/v1/payments \
-H "Authorization: Bearer sk_test_••••" \
-d amount=13700 \
-d currency=USD \
-d order_id="ORD-10482"
# → redirect to hosted checkout, 3-D Secure if required
Build your first payment flow
Start with the hosted payment page, or build a custom checkout on the API. Webhooks tell your system about every status change, and the sandbox lets you test before going live.
Questions businesses ask us
What is Payixay?
Payixay is an online payment gateway based in Nairobi, Kenya. It lets e-commerce businesses accept Visa, Mastercard and other card payments online, convert USD, EUR and GBP to and from USDT (TRC-20), and receive settlement in USD or USDT.
Which cards and currencies can I accept?
You can accept major international card brands, including Visa and Mastercard, plus American Express and JCB depending on your account. You can charge in USD, EUR or GBP. Settlement is made in USD or in USDT (TRC-20).
How do I get paid?
Net proceeds are settled on an agreed cycle, either in USD to your bank account or in USDT (TRC-20) to a wallet you designate. Every payout comes with a settlement statement you can reconcile against your dashboard.
How long does onboarding take?
Once we receive a complete application and your KYC documents, our team reviews it and, if approved, issues your integration credentials. Once your agreement is signed and your integration is tested in the sandbox, you can go live.
Is Payixay secure?
Yes. Card data is processed on PCI DSS-certified infrastructure, protected with encryption and tokenisation, and authenticated with 3-D Secure. Risk rules and transaction monitoring help flag suspicious payments.
Can I convert EUR or GBP to USDT?
Yes. Payixay converts USD, EUR and GBP to USDT (TRC-20) and USDT back to these currencies. You receive a firm rate before each conversion, and USDT is sent to the wallet you designate.
Apply for card processing
Tell us about your business. Our onboarding team reviews every application and replies within one business day.