One API to accept M-Pesa, cards, ACH, RTP, FedNow, or USDC — then split funds automatically and settle to any destination, anywhere.
Supported payment rails
Four simple steps. Zero rail complexity.
Any rail. Any currency. One checkout link.
Smart routing picks the optimal settlement path instantly.
Your split rule fires automatically — fees, seller share, reserve.
Money lands in the destination you chose. Reconciled.
Built for marketplaces, gig platforms, and cross-border businesses.
Accept Card, M-Pesa, ACH, RTP, FedNow, or USDC — one unified checkout, zero rail complexity for your customers.
Define split rules once. PaySoko automatically allocates platform fees, marketplace cuts, seller payouts, and reserves on every transaction.
Route funds to M-Pesa, KCB, a USD bank account, or USDC. Smart treasury picks the optimal path.
Unified ledger, reconciliation reports, and a live treasury view — so you always know exactly where the money is.
KYC/KYB verified merchants, PCI-scoped card flows, and auditready ledger entries.
A single Universal Value API. Create a value intent, we handle routing, FX, splits, and settlement.
No matter how a customer pays, PaySoko routes it to where you need it.
With PaySoko, customers can pay merchants, send money directly to bills, receive globally, hold balances, and cash out through the rail that works best for them.
Pay Kenya merchants with your US card — funds settle to their M-Pesa till.
Send money directly to school fees, rent, hospital bills, utilities, suppliers, or investments.
Create a personal payment link or username to receive money globally.
Hold and manage USD, KES, USDC, and pending balances in one place.
Choose how to receive funds — M-Pesa, bank, wallet, or stablecoin.