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Pochipay
Nairobi, Kenya
What it is
Pochipay is a payment orchestration platform for global businesses, offering one integration for accepting, collecting, and settling payments across markets. Its web and API services support cards, wallets, bank transfers, and more than 200 local methods in over 170 countries. Listed methods include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI. The checkout gateway routes transactions across acquirers and processors with AI-powered routing, while risk tools provide real-time scoring, 3DS2 authentication, configurable rules, and automated chargeback handling. Payouts can reach bank accounts, mobile wallets, and cards, with batch processing, tracking, and reconciliation. The API handles collections, individual or batch disbursements, transaction lookups, wallet balances, and callbacks. Pochipay also lists sub-merchant onboarding, KYC/KYB, split payments, platform payouts, and risk and underwriting. It was founded in Nairobi in 2020 and serves industries including travel, digital commerce, marketplaces, SaaS, gaming, and financial services.
For and against
For
- 200+ local methods across 170+ countries
- AI transaction routing across processors
- Real-time scoring and 3DS2 authentication
- Batch payouts with tracking and reconciliation
- Sub-merchant and split-payment tools
Against
- Pricing requires a tailored proposal
- Higher tiers unlock more payment methods
- Full API reference requires merchant sign-in
The verdict
Pochipay combines broad payment coverage, routing, fraud controls, and payout operations in one platform. Its custom pricing and tiered access make a tailored sales discussion necessary.
Who it suits
Pochipay suits global businesses needing multi-method payment acceptance, marketplace capabilities, or platform payouts. Its listed industries include travel, hospitality, digital commerce, SaaS, gaming, and financial services.
Plans and prices
Custom pricing
Pricing tailored to volume, markets, and payment mix · Higher tiers unlock more methods, faster settlements, and dedicated support
Read 30 Sep 2026 · pochipay.com
On the record
- API
- The API supports collections, individual or batch disbursements, transaction lookups, wallet balance reads, and callbacks; its full reference is available to signed-in merchants.pochipay.com · read 30 Sep 2026
- Checkout
- Its checkout gateway accepts cards, wallets, bank transfers, and 200+ local payment methods across 170+ countries.pochipay.com · read 30 Sep 2026
- Fraud controls
- The gateway offers real-time risk scoring, 3DS2 authentication, configurable fraud rules, and automated chargeback handling.pochipay.com · read 30 Sep 2026
- Headquarters and history
- Pochipay says it was founded in Nairobi in 2020; its privacy policy identifies Nairobi, Kenya as its headquarters.pochipay.com · read 30 Sep 2026
- Payment methods
- Listed methods include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI.pochipay.com · read 30 Sep 2026
- Payouts
- The payouts product sends funds to bank accounts, mobile wallets, and cards, with batch processing, tracking, and reconciliation.pochipay.com · read 30 Sep 2026
- Pricing limits
- Pricing is custom, and the page says higher tiers unlock more payment methods, faster settlements, and dedicated support.pochipay.com · read 30 Sep 2026
- Product
- Pochipay describes itself as a payment orchestration platform with one integration to accept, collect, and settle payments across markets.pochipay.com · read 30 Sep 2026
- Routing
- The gateway uses AI-powered transaction routing across acquirers and processors to improve approval rates and reduce costs.pochipay.com · read 30 Sep 2026
- Security
- The privacy policy states that Pochipay has PCI DSS Level 1 certification, encrypts data at rest with AES-256 and in transit with TLS 1.2 or higher, and tokenizes sensitive payment credentials.pochipay.com · read 30 Sep 2026
- Support
- The pricing page says its sales team will prepare a tailored pricing proposal within one business day.pochipay.com · read 30 Sep 2026
- Target customers
- The site describes the platform as built for global businesses and lists travel and hospitality, digital commerce, marketplaces, SaaS, gaming, and financial services among its industries.pochipay.com · read 30 Sep 2026
