Card processing, M-Pesa collections, multi-currency acceptance and settlement in USD or USDT — delivered through one integration on certified gateway infrastructure.
The gateway connects your checkout to the card networks. Card data is captured on hosted fields or a hosted payment page, tokenized immediately, and screened by 3-D Secure 2 before authorization. Your systems never handle raw card numbers, which keeps you outside PCI scope for card storage.
M-Pesa is the default payment method for millions of customers in Kenya. Payixay lets you trigger STK push prompts at checkout, receive paybill/till collections, and reconcile mobile money alongside card volume in one dashboard — one report, one settlement view, instead of a separate M-Pesa statement to match by hand.
Card acceptance covers most international customers; alternative payment methods cover the rest. Payixay supports mobile money, bank transfer rails where available, and local payment options — processed through the same integration and reconciled in the same reporting as your card volume. Which APMs are available depends on your market and acquiring configuration, and is confirmed during onboarding.
Merchants can receive settlement in US dollars through banking partners, or in USDT for faster cross-border payout. USDT is a stablecoin designed to track the US dollar; transfers settle on blockchain rails rather than correspondent banking, which can cut payout times from days to hours for some corridors.
Accept payments in major currencies including USD, EUR, GBP and KES. Customers pay in the currency they expect; you settle in your chosen currency. Conversion fees are disclosed in your merchant agreement — there is a cost to FX, and we state it rather than hiding it in the rate.
Every transaction passes through real-time risk scoring: velocity checks, geographic and device signals, and configurable rules per merchant profile. 3-D Secure 2 shifts liability for authenticated card transactions to the issuer. Suspicious transactions are held for review before funds move, and you see the reason codes in your dashboard.
Onboarding is a compliance process, and we run it properly: business registration documents, director identification and beneficial ownership checks. Complete applications are normally reviewed within two business days. We tell you upfront if your business category or market is one we cannot support, rather than after you’ve integrated.
REST APIs with sandbox credentials, hosted checkout for the fastest go-live, and signed webhooks for authorizations, captures, refunds and chargebacks so your systems reconcile automatically.
Describe your business and customer base and we’ll recommend the right acceptance and settlement configuration.
Contact sales