Every payment
arrives.
Send money home, pay people, get paid and change currency across Africa — from one app, one account and one API. You see the rate and the fee before anything moves, the payment takes the best road to the right person, and you watch it land.
- You send
- ₦50,000.00
- Fee
- ₦50.00
- Recipient gets
- KSh 4,180.00
Illustrative amounts.
For your business
Four things, one account, one API. Each one priced before it moves.
No plans. No setup fee. No monthly minimum.
One fee per payment, in the quote before you send. FX is mid-market plus a margin shown as its own number.
How we charge →- Pay peopleSalaries, suppliers, refunds.To a bank account or mobile money across Africa, one request or a whole payroll. Fee and rate first, the name checked.Payouts →
- Get paidA link, an account number, a card.Collect by bank transfer, virtual account or card in NGN, GHS and KES — or share a payment link and write no code.Collections →
- Change currencySee the rate, then convert.The quote shows the rate, our margin and what you get, held five minutes by default. Accept it and that is what settles.Conversions →
- Hold moneyThree currencies, one ledger.A wallet each for naira, cedi and shilling, available and on-hold shown apart, every balance backed by entries you can export.Wallets →
Who we build for
Pick the one closest to yours. You get the same four movements — what changes is the order you use them in.
Each tile is a button. Pick one and the path its money takes appears underneath — what moves, what you use, and what your books get. Nobody pictured is a customer.
Not on the list? The four movements are the same whatever you sell. Tell us what you move →
Payroll & HR
Pay 200 people in three countries from one file.
- What moves
- Upload the payroll or post it from your HR system. Every line gets its own quote, name check, status and webhook.
- What you use
- Payouts (bulk) · Conversions · Wallets
- What your books get
- One reference per person, a balanced ledger entry each, and a CSV statement at month end.
Illustrative rows.
Why it arrives
Three mechanics make the promise true. All three are in the engine, not the brochure.
- Route
Always the best road.
Every payout is scored across the rails that can carry it — cost, speed, recent performance — and leaves on the best one. Should that road slow, the payment moves to the next-best lane on its own, within limits you set. You do nothing.
- Price
See the rate. See the fee. Then send.
The quote you accept is the quote we settle — held for five minutes, with the fee and the amount the recipient gets shown before you confirm. No mid-trip tolls.
- Books
Every kobo, cedi and shilling on the books.
Each movement posts as a balanced double-entry pair or the ledger refuses it. Signed webhooks tell your systems what happened, and the customer sees a plain status, not a spinner.
Live today
Generated from the same table the engine routes with — never typed by hand. As of 25 Sep 2026.
One platform, both sides.
Your staff and your customers can hold a Payve account too — same rails, same ledger, same promise. Their app, your dashboard.
Illustrative screen.
| Recipient | Amount | Rail | Status |
|---|---|---|---|
| Adaeze O. | ₦120,000.00 | Rail A | successful |
| Kofi M. | ₵2,400.00 | Rail A → B | successful |
| Wanjiru K. | KSh 36,500.00 | Rail B | processing |
Built in the open
Trust is earned by showing your work. Ours is public.
Pre-licence — operating through regulated partners.
Money moves on licensed rails. Our own licence applications are listed, by country and stage, on the compliance page.
Where we stand →- Balanced double-entry ledger — or the transaction is rejected
- Signed webhooks, both directions
- Idempotency keys on every money call
- PIN + Face ID in the app · BVN + liveness onboarding
- NigeriaLive through a CBN-licensed partner
- GhanaLive through a Bank of Ghana-licensed partner
- KenyaLive through a CBK-licensed partner
- South AfricaComing soon
From first conversation to first payment
No pilot fee, no signed order form before you can see it work. You can be sending sandbox payments the day you sign up.
- 01
Tell us what you move
Your corridors, your currencies, the volumes, and what breaks today. We tell you where Payve fits — and where it does not yet, which is the more useful half of that answer.
- 02
Build against the sandbox
Sandbox keys on signup. The same endpoints and the same signed webhooks as production. Rehearse every outcome against rails you control, and watch the webhooks you’ll see in production.
- 03
Go live
Verify the business, we set your fee rules and limits, you swap the key. Nothing else in your code changes.
- 04
Add a corridor
A new currency or method is a configuration on our side, not a rebuild on yours. Your integration stays the same shape.
Every payment arrives.
No setup fee. Sandbox included. Rate and fee shown before anything moves.