Accept card payments and M-Pesa, settle in USD or USDT — one integration, one contract.
Payixay is operated by Emcenton Technology Limited, Nairobi, Kenya.
Card acquiring is our core business. Around it, merchants get alternative payment methods, stablecoin processing and M-Pesa — through the same integration, contract and dashboard.
Accept Visa, Mastercard, American Express, JCB, Discover, UnionPay, Diners Club and Maestro from customers worldwide. Every transaction is tokenized at capture on PCI DSS Level 1 certified infrastructure provided by Akurateco, authenticated with 3-D Secure 2, risk-screened in real time, and routed for authorization — typically in under two seconds. Smart routing and retry logic work to protect your authorization rate, and every transaction lands in one dashboard with full reason codes.
How card processing works →Cards are not how everyone pays. Alongside card acquiring, Payixay supports alternative payment methods — mobile money, bank transfer rails where available, and local payment options customers already trust in their market. APMs run through the same integration and reconcile in the same reporting as your card volume. Availability is market-specific and confirmed during onboarding.
Alternative payment methods →Convert between US dollars and USDT and choose the settlement leg that suits your treasury: USD by bank transfer, or USDT to your verified wallet for faster cross-border payout. Conversions execute at disclosed rates with no hidden spread, pass AML review before funds move, and are itemized per payout for clean reconciliation. USDT availability is subject to compliance review and applicable law in your market.
USD ⇄ USDT processing →For merchants with customers in Kenya and East Africa, Payixay adds M-Pesa mobile money: STK push prompts at checkout plus paybill and till collections, reconciled in the same dashboard as cards and APMs. One settlement view instead of a separate M-Pesa statement to match by hand.
About M-Pesa for business →The customer pays at your checkout. Card data is encrypted and tokenized at the point of capture — it never touches your servers.
3-D Secure 2 verifies the cardholder. Risk rules screen the transaction before it is sent for authorization.
The card networks route the transaction to the issuing bank for approval, normally in under two seconds.
Cleared funds are paid out in USD or USDT on your agreed settlement schedule, with reporting per transaction.
Payixay partners with Akurateco to deliver payment gateway infrastructure built on PCI DSS Level 1 certified technology. Payment acceptance, acquiring and settlement are delivered through vetted banking, acquiring and technology partners.
Payixay supports merchants across multiple international markets, with processing in major currencies including USD, EUR, GBP and KES, subject to applicable laws, acquiring partner availability and internal compliance review.
REST APIs, hosted checkout, webhooks and a sandbox environment. Most merchants integrate the hosted payment page first and move to API integration as volume grows.
Redirect customers to a hosted payment page — the fastest route to accepting cards with no PCI scope on your side.
Receive signed notifications for authorizations, captures, refunds and chargebacks, and reconcile automatically.
Test the full payment flow with test cards and simulated M-Pesa payments before going live.
Tell us about your business, your products and where your customers are. We confirm whether we can support your market and model.
Submit registration and identity documents for KYC/KYB review. Verification normally completes within two business days.
On approval you receive live credentials, integrate via hosted checkout or API, and start processing with settlement in USD or USDT.
Payixay is a payment technology platform operated by Emcenton Technology Limited, a technology company headquartered in Nairobi, Kenya. Payment acceptance, acquiring and settlement services are delivered through banking, acquiring and technology partners, including Akurateco.
Payments are processed on gateway infrastructure provided by our partner Akurateco, whose technology is PCI DSS Level 1 certified. Card data is tokenized on that infrastructure, which keeps merchants out of PCI scope for card storage.
Cards (Visa, Mastercard, American Express, JCB, Discover, UnionPay, Diners Club, Maestro), M-Pesa mobile money, and settlement in USD or USDT. Processing currencies include USD, EUR, GBP and KES. Exact availability depends on your market and is confirmed during onboarding.
Merchants can elect to receive settlement in USDT, a stablecoin designed to track the US dollar, instead of USD bank settlement. USDT settlement can be faster for cross-border payouts, but its value depends on the issuer maintaining the peg. Availability is subject to compliance review and applicable law in your jurisdiction.
Most applications complete KYC/KYB review within two business days of submitting complete documents. Complex businesses or restricted categories can take longer.
Tell us about your business and we’ll confirm supported markets, pricing and settlement options for your case.
Contact sales