Straight answers about the platform, onboarding, security and settlement. Can’t find what you need? Contact us.
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.
A payment gateway securely connects your website or app to the card networks. It captures payment details at checkout, encrypts and tokenizes them, requests authorization from the customer’s bank, and reports the result back to your store — normally in under two seconds. Settlement of the cleared funds follows on your agreed schedule.
No. Payixay is a payment technology platform. Card acquiring, funds custody and fiat settlement are provided by banking and acquiring partners that hold the relevant regulatory permissions in their markets.
Transactions are processed on gateway infrastructure provided by our partner Akurateco, whose technology is PCI DSS Level 1 certified. Card data is encrypted and tokenized at capture, 3-D Secure 2 authenticates cardholders, and real-time monitoring screens every transaction for fraud before settlement.
The PCI DSS Level 1 certification belongs to the gateway technology provided by Akurateco, on which Payixay processes card transactions. Because card data is tokenized on that infrastructure, merchants using Payixay stay out of PCI scope for card storage.
Before activation we verify your business registration documents, the identity of directors, and beneficial ownership. This is required by anti-money-laundering regulations. Complete applications are normally reviewed within two business days.
Cards — Visa, Mastercard, American Express, JCB, Discover, UnionPay, Diners Club and Maestro — plus M-Pesa mobile money for customers in Kenya and East Africa.
Yes. Processing currencies include USD, EUR, GBP and KES, with other major currencies available on request. Availability depends on your market and acquiring partner, and is confirmed during onboarding. Currency conversion fees are disclosed in your merchant agreement.
Instead of receiving settlement by bank transfer in US dollars, you can elect to receive USDT, a stablecoin designed to track the dollar. USDT transfers settle on blockchain rails, which can be faster for cross-border payouts. USDT’s value depends on its issuer maintaining the peg, and availability is subject to compliance review and the law in your jurisdiction.
Settlement schedules are agreed per merchant and stated in your agreement — they depend on your business profile, market and settlement currency. USDT settlement is typically faster than international bank transfer for cross-border merchants.
Apply online or contact sales. You’ll provide business information, complete KYC/KYB verification, and on approval receive live credentials and integration support.
The fastest route is the hosted payment page — a redirect integration most developers complete in a day. Hosted fields and full API integration are available for more control. See the developer documentation.