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SPECIFICTION
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Pochipay

pochipay.com

WebAPI
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Spec score 7.0 #19 of 25 in Payment Facilitation Platforms

What it is

Pochipay is a payment orchestration platform offering one integration for accepting, collecting, and settling payments across markets. Its checkout handles cards, wallets, bank transfers, and more than 200 local methods across 170+ countries, including M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI. AI-powered routing sends transactions across acquirers and processors to improve approval rates and reduce costs. Fraud controls include real-time risk scoring, 3DS2 authentication, configurable rules, and automated chargeback handling. Payouts reach bank accounts, mobile wallets, and cards, with batch processing, tracking, and reconciliation. The API supports collections, individual or batch disbursements, transaction lookups, wallet balances, and callbacks; its full reference requires sign-in. Pochipay lists sub-merchant onboarding, KYC/KYB, split payments, platform payouts, and underwriting. Founded in Nairobi in 2020, it serves travel, commerce, marketplaces, SaaS, gaming, and financial services. Custom pricing is provided within one business day.

Spec sheet

Product
Pochipay describes itself as a payment orchestration platform with one integration to accept, collect, and settle payments across markets.Read 30 Sep 2026 · pochipay.com
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.Read 30 Sep 2026 · pochipay.com
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.Read 30 Sep 2026 · pochipay.com
Support
The pricing page says its sales team will prepare a tailored pricing proposal within one business day.Read 30 Sep 2026 · pochipay.com
Headquarters
Nairobi, KenyaRead 28 Sep 2026 · pochipay.com
Founded
2020Read 28 Sep 2026 · pochipay.com
Checkout
Its checkout gateway accepts cards, wallets, bank transfers, and 200+ local payment methods across 170+ countries.Read 30 Sep 2026 · pochipay.com
Fraud controls
The gateway offers real-time risk scoring, 3DS2 authentication, configurable fraud rules, and automated chargeback handling.Read 30 Sep 2026 · pochipay.com
Headquarters and history
Pochipay says it was founded in Nairobi in 2020; its privacy policy identifies Nairobi, Kenya as its headquarters.Read 30 Sep 2026 · pochipay.com
Payment methods
Listed methods include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX, and UPI.Read 30 Sep 2026 · pochipay.com
Payouts
The payouts product sends funds to bank accounts, mobile wallets, and cards, with batch processing, tracking, and reconciliation.Read 30 Sep 2026 · pochipay.com
Pricing limits
Pricing is custom, and the page says higher tiers unlock more payment methods, faster settlements, and dedicated support.Read 30 Sep 2026 · pochipay.com
Routing
The gateway uses AI-powered transaction routing across acquirers and processors to improve approval rates and reduce costs.Read 30 Sep 2026 · pochipay.com
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.Read 30 Sep 2026 · pochipay.com

Plans and prices

Custom pricing Priced on request Tailored proposal within one business day Pricing tailored to volume, markets, and payment mix · Higher tiers unlock more methods, faster settlements, and dedicated support Read 30 Sep 2026 · pochipay.com

Every Pochipay plan and price →

Strong points and limits

Strong points

  • 200+ methods across 170+ countries
  • AI transaction routing
  • Real-time risk and 3DS2 controls
  • Batch payouts with reconciliation
  • Sub-merchant and KYC/KYB tools

Limits

  • Pricing is available on request
  • Full API reference requires sign-in
  • Higher tiers control methods and support

Who it suits

Pochipay is aimed at global businesses managing multi-market checkout, collections, payouts, and risk. Listed industries include travel and hospitality, digital commerce, marketplaces, SaaS, gaming, and financial services.

Verdict

Pochipay brings international payment methods, routing, fraud controls, and payouts behind one integration. Custom pricing and tier-dependent capabilities mean buyers need a tailored proposal for their markets and payment mix.

Where Specifiction places it

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