Pochipay
Pochipay is a payment orchestration platform for businesses that need to accept, collect, and settle payments across markets through one integration.
What Pochipay is
Pochipay is a payment orchestration platform for businesses that need to accept, collect, and settle payments across markets through one integration. Its web and API checkout supports cards, wallets, bank transfers, and more than 200 local payment methods across 170+ countries. The listed options include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI. AI-powered routing directs transactions across acquirers and processors to improve approvals and reduce costs. Fraud tools include real-time risk scoring, 3DS2 authentication, configurable rules, and automated chargeback handling. Payouts can reach bank accounts, mobile wallets, or cards, with batch processing, tracking, and reconciliation. The API covers collections, disbursements, transaction lookups, wallet balance reads, and callbacks; its full reference is available to signed-in merchants. Pochipay also lists sub-merchant onboarding, KYC/KYB, split payments, platform payouts, and risk and underwriting tools. It was founded in Nairobi in 2020 and serves industries such as digital commerce, travel, marketplaces, SaaS, gaming, and financial services. Pricing is custom, with a tailored proposal offered within one business day.
Good
- Supports 200+ local methods across 170+ countries
- Routes transactions across acquirers and processors
- Offers real-time risk scoring and 3DS2
- Supports batch payouts with tracking and reconciliation
- Includes sub-merchant onboarding and split payments
Watch out
- Pricing is custom and not listed
- Full API reference requires merchant sign-in
- Higher tiers are needed for more methods and faster settlements
Who it suits
Pochipay suits global businesses in fields such as digital commerce, travel, marketplaces, SaaS, gaming, and financial services. It may also fit platforms that need sub-merchant onboarding, split payments, or managed payouts.
Verdict
Pochipay combines multi-market checkout, transaction routing, fraud controls, and payouts behind a single integration. Its custom pricing and signed-in API documentation are important considerations for businesses evaluating it.
Plans and prices
From Pochipay's own pricing page, checked 30 Sep 2001.
| Plan | Price | What it gives you |
|---|---|---|
| Custom pricing | Priced on request | Pricing tailored to volume, markets, and payment mix · Higher tiers unlock more methods, faster settlements, and dedicated support · Tailored proposal within one business day |
The facts
Each one read from Pochipay's own pages, with the date it was checked.
What it does
- 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.checked 30 Sep 2001
- Checkout
- Its checkout gateway accepts cards, wallets, bank transfers, and 200+ local payment methods across 170+ countries.checked 30 Sep 2001
- Fraud controls
- The gateway offers real-time risk scoring, 3DS2 authentication, configurable fraud rules, and automated chargeback handling.checked 30 Sep 2001
- Payment methods
- Listed methods include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI.checked 30 Sep 2001
- Payouts
- The payouts product sends funds to bank accounts, mobile wallets, and cards, with batch processing, tracking, and reconciliation.checked 30 Sep 2001
- Pricing limits
- Pricing is custom, and the page says higher tiers unlock more payment methods, faster settlements, and dedicated support.checked 30 Sep 2001
- Product
- Pochipay describes itself as a payment orchestration platform with one integration to accept, collect, and settle payments across markets.checked 30 Sep 2001
- Routing
- The gateway uses AI-powered transaction routing across acquirers and processors to improve approval rates and reduce costs.checked 30 Sep 2001
- 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.checked 30 Sep 2001
- Support
- The pricing page says its sales team will prepare a tailored pricing proposal within one business day.checked 30 Sep 2001
- 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.checked 30 Sep 2001
The company
- Founded
- 2020checked 28 Sep 2001
- Headquarters
- Nairobi, Kenyachecked 28 Sep 2001
- Headquarters and history
- Pochipay says it was founded in Nairobi in 2020; its privacy policy identifies Nairobi, Kenya as its headquarters.checked 30 Sep 2001
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