P Harepay
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Payments infrastructure for Africa

Get paid in anything.
Settle in what you want.

One API for cards, bank transfer, USSD and stablecoins — settled in naira, dollars or USDC over a double-entry ledger that always balances to zero.

Start building — it’s freeRead the docs
3 rails · 1 integration4 ways to get paid< 1 day to go live
Live settlement studiotry it

USDC · USDT

◎USDC
Customer pays100.00 USDC
⇄
You receive₦158,992.50
Rate locked1 USD = ₦1,612.5
Fee (1.4%)−₦2,257.50
Net settlement₦158,992.50
✓ Settled to your balance
await harepay.payments.create({
  amount:    { value: 100, currency: "USDC" },
  method:    "crypto",
  settle_as: { currency: "NGN" },
});

Built for how Africa actually pays

Three rails. One integration.

Stop stitching providers together. Harepay abstracts the best of each rail behind a single API and one ledger — swap or add providers without touching your code.

Correctness, not vibes

Every payment is two
honest entries.

Under every transaction is a double-entry ledger. Money is never created or lost — only moved. Reconcile provider balances against the ledger, per asset, and watch it prove out to ₦0.00.

How the ledger works →
AccountDebitCredit
Customer wallet−₦1,612,500
Harepay float+₦1,612,500
FX swap (USDC→NGN)−1,000 USDC+₦1,612,500
Merchant available+₦1,589,925
Platform fee+₦22,575
Net movement₦0.00 ✓

One platform, end to end

Everything a gateway needs — already built.

Invoicing & subscriptions

Invoices, recurring plans and metered pay-as-you-use — billed and auto-reconciled.

Payouts & disbursement

Pay out to any bank or wallet, with name resolution, approvals and tracking.

Treasury & float

Per-provider float, live funding accounts and one-click rebalancing.

Compliance & disputes

Sanctions / PEP screening and KYB gate every payment; disputes reserve and resolve.

Signed webhooks

HMAC-signed, retried events with a full per-attempt delivery log.

Copilot & audit

An AI back-office Copilot grounded in live data, over an append-only audit trail.

For developers

Live in an afternoon.

Clean REST, idempotent writes, signed webhooks and SDKs in the languages your team already uses. Sandbox keys the moment you sign up — no credentials needed to build.

✓ REST + webhooks✓ SDKs everywhere✓ OpenAPI spec✓ Test mode
Explore the API →
import { Harepay } from "@harepay/sdk";
const px = new Harepay({ apiKey: process.env.HAREPAY_SECRET_KEY });

const intent = await px.payments.create({
  amount:    { value: 100, currency: "USDC" },
  method:    "crypto",
  settle_as: { currency: "NGN" },
});
200 payment created · settling now

Ready to accept every way
Africa sends money?

Create your accountRead the docs

Free to start. No credentials needed to build in sandbox.