The Operating System for African Payments
One platform to power every transaction from mobile money, bank transfers, cards, crypto, FX, and more. Pay OS abstracts the complexity of payments across 54 countries, enabling businesses to scale with confidence and developers to build without barriers.
Accept payments across Africa and expand into MENA, the UK, the EU, and North America using one platform.
Africa's payment ecosystem is fragmented. Every country has different channels, currencies, and compliance hurdles, making scale painful and slow.
Pay OS unifies it all.
→ Mobile money (M-Pesa, MoMo, Airtel)
→ Bank transfers and real-time rails
→ Local and international cards
→ Crypto and stablecoin payment rails
→ USSD and offline-compatible methods
Plus:
→ Smart routing and liquidity optimization
→ Built-in KYC, AML, and risk controls
→ Multi-currency wallet infrastructure
→ Real-time FX conversion
→ Compliance-aware architecture in every market
Whether you are a startup in Nairobi or a scale-up reaching MENA, the UK, the EU, or North America, Pay OS gives you the tools to move money like never before.
→ Get instant connectivity to all major African payment methods with a single integration
→ Operate across countries, currencies, and regulations without having to re-architect
→ Clean REST APIs, language-specific SDKs, real-time webhooks, sandbox environments, CLI tools, and detailed docs.
→ Advanced fraud detection, jurisdiction-specific KYC flows, transaction monitoring, and customizable rules
→ Spin up programmable multi-currency wallets, manage liquidity, and support instant settlement flows
→ Pay OS is designed for uptime, observability, and resilience, built to support everything from MVPs to government disbursement systems.
Build financial products faster with pre-integrated rails, compliance tooling, and modular wallet infrastructure.
→ Launch digital banks, payment apps, or crypto platforms with one stack. Reach customers in MENA, the UK, the EU, and North America using the same infrastructure.
Accept payments in local methods and automate complex flows like escrow, split payments, and vendor payouts.
→ Power frictionless buyer-seller transactions with programmable logic.
Unify cross-border payments, manage multi-currency flows, and optimize FX without building local integrations.
→ Expand your reach while streamlining treasury operations.
Support mobile money, local cards, and region-specific wallets for cross-border bookings, refunds, and loyalty payouts.
→ Let your users pay how they want, wherever they are.
Modernize your digital financial services with robust, traceable payments infrastructure.
→ Disburse aid, collect levies or taxes, manage public services with transparency and control.
Enable payouts to freelancers, content creators, and gig workers across the continent.
→ Support tipping, micropayments, and real-time earnings in any channel or currency.
→ Modern REST API with detailed references
→ Sandbox environments for staging & testing
→ SDKs for Node.js, Python, Go, and more
→ Webhooks for real-time payment events
→ CLI tools for faster local development
→ Slack and email support for developers
→ Versioned APIs with zero-breaking updates
Pay OS was founded with a bold belief:
Africa doesn't need more fintech apps. It needs infrastructure that powers all of them.
We're engineers, product thinkers, and ecosystem operators building the invisible layer that enables inclusive, borderless, and programmable money movement across the continent.
Headquartered in San Francisco with team members in London and across Africa, we bring together deep experience in fintech, compliance, and developer ecosystems. Pay OS empowers businesses to grow across Africa and scale into global markets including MENA, the UK, the EU, and North America.
Whether you're launching a fintech, modernizing legacy infrastructure, or entering the African market, Pay OS is the infrastructure layer you can build on.