KKipa Payments

Auto

130+ countries · 135 currencies

Accept payments from anywhere in the world, in minutes.

Kipa is one API and one dashboard for cards, mobile money, wallets and bank transfers. Your customers pay the way they pay at home — M-Pesa in Nairobi, Pix in São Paulo, UPI in Mumbai, SEPA in Berlin, cards everywhere — and you settle in the currency you hold.

Start building View docs

Free sandbox · No setup fees · Prices shown in USD

Sokoni Fresh

Secure checkout

Amount due

$20.00

Card

4242 •••• •••• 4242

Mobile money & wallets

Bank transfer

Pay $20.00

Encrypted · Powered by Kipa

See Kipa in 30 seconds

A quick tour of what Kipa offers, followed by the six steps to your first payment — from creating your account to going live.

Follow the written guide

Every step is shown on screen — no sound required.

PCI-DSS Level 1

Via our acquiring partners — card data is tokenised, never stored by you.

AES-256 + TLS 1.3

Secrets encrypted at rest, all traffic encrypted in transit.

99.98% uptime

Rolling 90-day availability across global collection endpoints.

4,000+ businesses

Merchants collecting on Kipa test and live rails across six continents.

Trusted by teams atSokoni FreshRutas CloudDuka LoopsNorthwind LabsSakura RetailSecurity & compliance

How it works

From signup to money in your account — four steps, in any market, no payment consultant required.

Connect

Integrate

Call one endpoint or paste a checkout link. SDKs for Node, Python, PHP and Flutter.

Get paid

Customers pay with the method they use locally. You see it live in the dashboard.

Settle

Money lands in your bank or mobile wallet in your chosen currency, next business day.

Copy this, ship in 10 minutes

One request, the right payment method for every country.

Kipa detects the shopper's country and presents the local methods they trust. Test keys work immediately, and every event is delivered as a signed webhook you can replay from the dashboard.

SDKs for Node, Python, PHP and Flutter
Sandbox with simulated wallet prompts and declines
Signed webhooks with automatic retries
No setup fees to start testing

Read the docs Get test keys

curl https://api.kipa.dev/v1/charges \
  -H "Authorization: Bearer sk_test_kipa_..." \
  -d amount=2000 \
  -d currency=USD \
  -d method=auto \
  -d customer_country=auto

# => { "status": "pending", "reference": "kpa_9fq2",
#      "next_action": "local payment method presented" }

Everything a global business actually needs

Cards where cards win, mobile money and wallets where they win — one integration for both.

Cards worldwide

Visa, Mastercard, Amex, Discover and JCB with 3-D Secure and local acquiring.

Mobile money & wallets

M-Pesa, MTN MoMo, Airtel Money, UPI, Pix, GrabPay, Apple Pay and Google Pay.

Bank transfers

SEPA, ACH, Faster Payments, Pesalink and local rails for high-value invoices.

135 currencies

Charge shoppers in their currency, settle in the one your business holds.

Webhooks & API

Signed, retried events for every payment, refund and payout.

Dashboard & analytics

Live volume, success rate and settlement timelines per country and channel.

Fraud protection

Velocity rules, device fingerprinting and manual review queues.

Checkout links

Shareable payment pages for social sellers in any market — no code.

Transparent pricing. No hidden fees.

You only pay when you get paid. Failed and abandoned payments cost nothing. Amounts are shown in USD — change the currency, or switch off auto-detection, in the header.

Starter

1.5%

per successful local payment (mobile money, wallets, bank transfer)

No setup fee. No monthly fee. No charge on failed payments.

Local wallets & mobile money
Checkout links
Test mode + sandbox
Email support

Start free

Growth

Scale

Custom

for $40K+ monthly volume

Negotiated rates, multi-currency settlement and same-day windows.

Volume pricing
Same-day settlement
Dedicated support engineer
Multi-entity accounts

Talk to sales

From our beta merchants

“We swapped three regional integrations for one Kipa endpoint. Reconciliation went from a full day to a coffee break.”

Achieng' Otieno · Ops Lead, Sokoni Fresh · Nairobi

“Local payment methods in Brazil and India used to mean two more vendors. Now it's one flag on the charge call.”

Lucía Fernández · CTO, Rutas Cloud · Madrid

“Flat pricing with no monthly fee meant we could launch in four markets before we had revenue.”

Daniel Okonkwo · Founder, Duka Loops · Lagos

Frequently asked questions

Which countries can sign up?

Businesses in 130+ countries can create an account and start in test mode immediately. Live payouts are supported in every market where we hold a licensed settlement partner — the dashboard shows availability for your country during onboarding.

How fast do I get settled?

Mobile money and local wallet collections settle to your bank or wallet the next business day. Card payments settle T+2 in most markets. Scale accounts can request same-day windows.

Which currencies do you support?

You can charge in 135 currencies and settle in the one your business holds. Prices on this page are shown in your local currency automatically — switch or turn that off with the currency picker in the header.

What do I need for KYC?

Proof of incorporation or trading licence, a tax identifier for your country, director ID, and your settlement bank or wallet details. Verification usually completes within one business day.

How is my data secured?

Card data is tokenised and never touches your servers. All traffic is TLS 1.3, secrets are encrypted at rest with AES-256, and every webhook is HMAC-signed so you can verify authenticity.

Can I test without a live business?

Yes. Test mode is free and unlimited — simulate wallet prompts, card declines and webhook retries before you submit any documents.

Start collecting today

Test mode is free forever, anywhere. Go live once your KYC clears — usually one business day.

Create account See the dashboard