Payixay is the payment technology brand of Emcenton Technology Limited. We build the infrastructure connections that let merchants accept cards and M-Pesa and settle in USD or USDT.
A merchant in Nairobi, Lagos or Mumbai selling to international customers has to stitch together a card acquirer, a mobile money integration and a way to receive foreign settlement — usually from three different providers with three different contracts.
Payixay was built to collapse that into one relationship: card acceptance on certified gateway infrastructure, M-Pesa collections in the same dashboard, and settlement in USD or USDT depending on what works for the merchant’s treasury. We are a technology company — acquiring, banking and settlement services are delivered through vetted partners, and we are transparent about which parts of the chain we operate and which parts our partners do.
Give merchants in emerging and cross-border markets the same quality of payment infrastructure that merchants in developed markets take for granted — one integration, clear pricing, and settlement that arrives when expected.
A payment platform where the payment method a customer prefers — card, mobile money or stablecoin — is a checkout detail, not an infrastructure project for the merchant.
We describe what the platform does and who provides each part of the service. If a capability depends on a partner or a compliance review, we say so.
Every merchant goes through KYC/KYB before activation. We would rather decline a merchant than compromise the integrity of the platform.
Failed payments and slow settlement cost merchants real money. We measure ourselves on authorization rates and settlement reliability.
Payments infrastructure earns trust slowly and loses it instantly. We make conservative technical and partnership choices for that reason.
This partner model is deliberate: each layer of the payment chain is run by the party best placed to operate it, and merchants get one contract and one integration.
Emcenton Technology Limited launches the Payixay platform in Nairobi, focused on card acceptance for Kenyan merchants selling internationally.
M-Pesa collections and multi-currency processing added. Partnership with Akurateco brings the gateway layer onto PCI DSS Level 1 certified technology.
USD ⇄ USDT settlement introduced for cross-border merchants, alongside a rebuilt developer experience and merchant dashboard.
Payixay works with online businesses that sell across borders or collect in East Africa. Some categories are restricted — eligibility is confirmed during onboarding.
Online stores accepting international cards with local M-Pesa collections.
Subscription and usage billing with multi-currency pricing.
Bookings in the customer’s currency, settlement in yours.
Cross-border payout needs served by USD or USDT settlement.
Our starting assumption is that a payment platform is a target. Three principles follow. First, don’t hold what you don’t need: card data is tokenized on PCI DSS Level 1 certified infrastructure provided by Akurateco, and Emcenton systems never store raw card numbers. Second, verify before value moves: KYC/KYB before activation, risk scoring before authorization, compliance review before stablecoin settlement. Third, assume failure and monitor for it: real-time transaction monitoring, anomaly alerts and independent reconciliation run continuously, because controls that aren’t watched are controls that decay.
Questions about the company, partnerships or compliance? We respond within one business day.
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