One API to accept M-Pesa, cards, ACH, RTP, FedNow, or USDC — then split funds automatically and settle to any destination, anywhere.
Trusted by businesses moving money across borders
Supported payment rails
Zero rail complexity. Define the intent once — PaySoko handles the rest.
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.
Marketplaces, gig platforms, and cross-border businesses run on PaySoko.
PaySoko considers rail cost, FX rate, payout speed, and corridor health — and routes every transaction down the cheapest viable path. Override per-merchant when you need to.
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 audit-ready ledger entries.
A single Universal Value API. Create a value intent, we handle routing, FX, splits, and settlement.
Specify the amount, the source rail, the destination rail, and your split rules. PaySoko creates the intent, picks the path, executes the collection, splits the funds, and settles the recipient — atomically, with full ledger traceability.
1const intent = await paysoko.intents.create({2 amount: 15000,3 currency: "KES",4 source_rail: "card",5 destination_rail: "mpesa",6 split: [{ account: "seller", share: 0.92 }],7})No matter how a customer pays, PaySoko routes it to where you need it.
Onboard sellers in minutes. Split every payout by your custom rules. Reconcile in one ledger.
Invoice in USD, collect in M-Pesa. Auto-convert at the mid-rate, settle to your home bank.
Pay 10,000 freelancers to M-Pesa, bank, or USDC at once. One file, one click, every rail.
Pay merchants, send money to bills, receive globally, hold balances, and cash out through the rail that works best for you.
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.
No signup required — pick a demo account on the next screen
We collapsed four PSPs and two bank integrations into one ledger. Our finance team got their evenings back.
Settling US customers to M-Pesa used to take 3 days. Now it's instant. Same payout, no manual FX.
Split rules fire the second a payment clears. Sellers see their share in their wallet before the card charge posts.
Spin up the sandbox, send your first cross-rail payment, and see the ledger update in real time.
No card required for sandbox · PCI DSS Level 1 · SOC 2 Type II