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NexttPay

Unified Payment Infrastructure for Africa

Accept crypto, mobile money, and cards with a single API. Built for scale, speed, and compliance.

One Platform. Every Payment Rail.

NexttPay unifies fragmented payment systems across Africa into a single, developer-first platform—enabling businesses to accept, process, and settle payments seamlessly across borders.

Single API Integration

Integrate once and unlock access to cards, mobile money, and crypto payments across multiple African markets through a unified REST and WebSocket API.

  • One integration for 3 payment rails
  • SDKs, webhooks, and sandbox environment
  • Reduce onboarding time from weeks to days

Unified Payment Infrastructure

A fully managed infrastructure layer that abstracts payment complexity, including routing, compliance, FX conversion, and reconciliation.

  • Smart routing across providers and geographies
  • Automated KYC/AML and regulatory workflows
  • Unified reporting and reconciliation dashboard

Optimized Settlement & FX

Maximize cash flow efficiency with real-time FX optimization and flexible settlement options across currencies and payment methods.

  • Instant or same-day settlement
  • Competitive FX rates with smart conversion
  • Multi-currency support with local payouts

Core Products

Crypto Payments

Accept stablecoins with real-time conversion and built-in on/off ramps.

  • USDT, USDC support
  • Instant settlement
  • Embedded wallets

Mobile Money

Integrate across 19+ African countries with a single API.

  • M-Pesa, MTN MoMo, Orange Money
  • 85%+ coverage
  • Local settlement

Card Payments

Accept global and local cards with optimized routing.

  • Visa & Mastercard
  • Local acquiring
  • Credit & debit support

Platform Capabilities

Smart FX Routing

Get the best exchange rates automatically.

Compliance Engine

Built-in KYC, AML, and regulatory tooling.

Unified Dashboard

Track, reconcile, and manage all payments.

Built for Developers

Integrate once and unlock payments across crypto, mobile money, and cards with a unified API.

Unified APIs

REST and WebSocket APIs designed for real-time payments, reconciliation, and event-driven flows.

SDKs & Libraries

Official SDKs for faster integration with clean abstractions and production-ready examples.

Sandbox Environment

Test transactions, simulate failures, and validate flows before going live.

Webhooks & Events

Reliable event system with retries, signatures, and real-time notifications.

Example request
curl https://api.nexttpay.com/v1/payments \
  -H "Authorization: Bearer sk_test_xxx" \
  -d amount=1000 \
  -d currency="USD"
99.99% API uptime
Idempotent requests
Secure by default

Treasury & Payouts

Instant Payouts

Send funds instantly to mobile money, bank accounts, or wallets.

Batch Payments

Process bulk payouts for vendors, creators, or partners.

FX Optimization

Automatically convert currencies at the best available rates.

Treasury Control

Manage balances, liquidity, and settlements from one dashboard.

Why NexttPay Wins

A deeper comparison across infrastructure, coverage, settlement, and developer experience.

Core Infrastructure

Single API (Cards + Mobile Money + Crypto)
Unified (1 integration)
Multiple APIs / fragmented
Multi-Rail Orchestration
Native routing across all rails
Manual or limited
Pan-African Coverage
19+ countries (expanding)
Region-specific strength

Payments Coverage

Mobile Money
M-Pesa, MTN, Orange (85%+ coverage)
Strong but fragmented
Cards (Local + Global)
Visa, Mastercard, local acquiring
Supported (varies by region)
Crypto / Stablecoins
Native (USDT, USDC, BTC)
Limited or roadmap

Settlement & FX

Settlement Speed
Instant / same-day
T+1 to T+3 typical
FX Optimization
Smart routing + blended rates
Static / bank-driven FX
Multi-Currency Wallets
Built-in (fiat + crypto)
Limited or external

Compliance & Risk

KYC / AML Engine
Built-in, automated
Partial / partner-dependent
Regulatory Coverage
Multi-country compliance layer
Country-specific setups
Fraud & Monitoring
Real-time risk engine
Basic / add-ons

Developer Experience

Integration Time
Days
Weeks
SDKs & Webhooks
Full suite
Available but inconsistent
Sandbox Environment
Production-like
Limited realism

Treasury & Payouts

Cross-Border Payouts
Native
Requires partners
Treasury Management
FX hedging + routing
Not included
Batch & Instant Payouts
Supported
Varies

Most providers in Africa specialize in a single rail — mobile money, cards, or crypto. NexttPay is built to unify all three into a single programmable layer, reducing integration overhead, improving settlement speed, and unlocking new cross-border use cases.

Built for Every Business

E-commerce Platforms

Accept payments from customers across Africa using any method.

  • Higher checkout conversion
  • Multi-currency support
  • Localized payment methods

Crypto & Web3 Platforms

Enable fiat on/off-ramps and accept stablecoin payments.

  • Seamless fiat ↔ crypto
  • Regulatory compliance
  • Global reach

Remittance Companies

Send and receive cross-border payments efficiently.

  • Lower FX costs
  • Faster settlements
  • Wide payout coverage

Global Businesses

Expand into African markets with a single integration.

  • No local integrations needed
  • Regulatory handled
  • Faster go-to-market

Get Started in Minutes

From onboarding to accepting payments, integrate once and unlock cards, mobile money, and crypto across multiple markets with a single API.

1

Create Your Account

Sign up and complete onboarding with built-in KYC/AML verification. Access your dashboard instantly.

2

Integrate the Unified API

Use REST APIs, SDKs, and sandbox to integrate cards, mobile money, and crypto in one implementation.

3

Configure Payments

Set currencies, webhooks, settlement preferences, and routing rules for your business.

4

Go Live & Scale

Start accepting payments with smart FX routing and instant or same-day settlement.

Start Building with NexttPay

Integrate once and unlock payments across Africa with a single API.