PPayLink Africa
Live in 10 African markets

Get paid the way
Africa actually pays.

M-Pesa, MTN MoMo, Airtel Money, Orange Money, cards, bank transfer and USSD — behind a single API and a hosted checkout link. Settled in local currency, next business day.

Create a merchant accountSee a live checkout
10
Live markets
8
Payment channels
58
Payments processed
Merchant

Kilimanjaro Coffee

Secure checkout · KES

Amount due

KSh 2,400

AIAirtel Money
M-M-Pesa
T+1
MTMTN MoMo
T+1

Approve on your handset — funds confirmed in seconds

Kilimanjaro Coffee RoastersLagos ThreadsAccra Ride LogisticsZanzibar EscapesKigali EdTech HubLagos Threads DemoKilimanjaro Coffee RoastersLagos ThreadsAccra Ride LogisticsZanzibar EscapesKigali EdTech HubLagos Threads DemoKilimanjaro Coffee RoastersLagos ThreadsAccra Ride LogisticsZanzibar EscapesKigali EdTech HubLagos Threads Demo
Payment channels

Every rail your customers already trust

Enable a channel with one toggle. We handle the acquirer contracts, reconciliation and retries.

AImobile money

Airtel Money

Airtel's wallet, strong across East Africa and Nigeria.

1.6%Settles T+1
🇷🇼🇺🇬🇹🇿🇰🇪🇳🇬
BAbank transfer

Bank Transfer

Instant bank rails: NIP in Nigeria, GhIPSS in Ghana, PesaLink in Kenya.

1%Settles Same day
🇪🇬🇿🇦🇰🇪🇬🇭🇳🇬
CAcard

Cards

Visa, Mastercard and Verve with 3-D Secure and local acquiring.

2.9% + 0.3Settles T+2
🇪🇬🇸🇳🇨🇮🇿🇦🇷🇼🇺🇬
M-mobile money

M-Pesa

Kenya and Tanzania's dominant mobile wallet. Customers approve with an STK push on their handset.

1.4%Settles T+1
🇹🇿🇰🇪
MTmobile money

MTN MoMo

MTN Mobile Money across Ghana, Uganda, Rwanda, Côte d'Ivoire and Cameroon.

1.5%Settles T+1
🇨🇲🇨🇮🇷🇼🇺🇬🇬🇭
ORmobile money

Orange Money

The leading wallet in francophone West and Central Africa.

1.7%Settles T+2
🇲🇦🇨🇲🇸🇳🇨🇮
USussd

USSD

Offline checkout with a short code — no smartphone or data needed.

1.2%Settles T+1
🇬🇭🇳🇬
VOmobile money

Vodafone Cash

Vodafone wallet coverage for Ghana, Tanzania and Egypt.

1.5%Settles T+1
🇪🇬🇹🇿🇬🇭
Coverage

One contract.
A continent of currencies.

Collect in naira, cedis, shillings, rand or CFA francs and settle into the local bank or wallet account your finance team already uses. No offshore entity needed.

Next-day settlement
12 local currencies
Fraud scoring built in
Wallet & bank payouts
🇨🇲

Cameroon

FCFA · XAF

Soon
🇨🇮

Côte d'Ivoire

CFA · XOF

Live
🇪🇬

Egypt

E£ · EGP

Live
🇬🇭

Ghana

₵ · GHS

Live
🇰🇪

Kenya

KSh · KES

Live
🇲🇦

Morocco

DH · MAD

Soon
🇳🇬

Nigeria

₦ · NGN

Live
🇷🇼

Rwanda

FRw · RWF

Live
🇸🇳

Senegal

CFA · XOF

Live
🇿🇦

South Africa

R · ZAR

Live
🇹🇿

Tanzania

TSh · TZS

Live
🇺🇬

Uganda

USh · UGX

Live
How it works

From sign-up to settled funds in three steps

No engineering team required for the basics — share a link and start collecting today.

Create your merchant account01

Create your merchant account

Tell us your business name and country. Your API keys and dashboard are ready instantly.

Share a payment link02

Share a payment link

Generate a hosted checkout in seconds and drop it into WhatsApp, Instagram or an invoice.

Get settled locally03

Get settled locally

Track every payment in real time and sweep your balance to a bank or wallet account.

Developers

A single call to charge any channel

Same request shape whether the customer pays with M-Pesa, a Visa card or a bank transfer. Idempotent, webhook-driven and fully reconciled against your ledger.

  • REST API with signed webhooks and automatic retries
  • Hosted checkout links — zero frontend work
  • Test mode with simulated wallet approvals
  • Per-transaction fee and settlement breakdown
charge.ts
const charge = await paylink.charges.create({
  amount: 2400,
  currency: "KES",
  channel: "mpesa",
  customer: {
    name: "Wanjiru Kamau",
    phone: "+254722118904"
  },
  narration: "Single Origin Nyeri AA — 1kg"
});

// → { status: "successful", fee: 33.6,
//     net_amount: 2366.4, settles_at: "T+1" }
Pricing

Transparent, per-transaction pricing

No setup fee, no monthly minimum. You only pay when you get paid.

Starter

1.4%

Mobile money rate

For side hustles and new merchants collecting on wallets.

  • Hosted payment links
  • Mobile money & USSD
  • Next-day settlement
  • Email support
Get started
Most popular

Growth

2.9%

+ local card acquiring

For online stores that need cards, wallets and bank rails together.

  • Everything in Starter
  • Card acquiring & 3-D Secure
  • Bank transfer & payouts
  • Webhooks and API keys
  • Priority support
Get started

Scale

Custom

Volume pricing

For platforms and marketplaces processing at scale in multiple markets.

  • Blended interchange pricing
  • Multi-entity settlement
  • Dedicated account manager
  • 99.95% uptime SLA
Get started

Start collecting payments today

Create your merchant account, share your first payment link and watch settlements land in your local account. It takes under two minutes.

Create free accountSign in to dashboard

Trusted by 6+ merchants · $2M processed monthly