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HarePayHarePay
Payments infrastructure · 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 integratingRead the docs
0.00%
Uptime SLA
~0.0s
Auth latency
0
Countries
Transaction · HRP-8241 Settled
Customer paid via USSD
GH₵ 1,460*170# · MTN MoMo
crCharge
+GH₵ 1,460.00
FX conversion
1 USD = GH₵ 15.6
drMerchant balance
+$93.59 USDC
crPlatform fee
−$0.89
drNet settlement
$92.70 USDC
Ledger check balances to 0.00
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MTNFlutterspotKola&CoSango FreightBaobab HealthLagos GridChapa RidesNsanoZenith RetailKilimanjaroMTNFlutterspotKola&CoSango FreightBaobab HealthLagos GridChapa RidesNsanoZenith RetailKilimanjaro
§ 01 — The ledger

A double-entry ledger that always balances to zero.

Every payment, fee, refund and FX conversion posts as matched debits and credits. If the books don't balance, the API doesn't return 200. Reconcile in seconds, not weeks.

  • Immutable, append-only entries with cryptographic hash chain
  • Multi-currency accounts: NGN, USD, USDC, cKES, cNGN
  • Real-time balance queries under 40ms at p99
  • Webhooks fire only after the ledger commits
Journal · txn_9f2a2026-07-04 14:22:08 WAT
Double-entry journal for transaction txn_9f2a. Debits equal credits.
AccountDebitCredit
Σ balance148,593.69148,593.69
Δ = 0.00 — journal committed
§ 02 — The rails

Every rail your customers already use. One integration.

All methods

Cards

Visa, Mastercard, Verve. 3-D Secure 2, tokenization, one-tap.

Auth · Capture · Refund

Bank transfer

NIP virtual accounts, instant transfers across CBN rails.

Dynamic · Static · Split

USSD

*737# and every MNO. Works on feature phones, no data required.

MTN · Airtel · Glo · 9mobile

Stablecoins

USDC, cNGN, cKES on Base, Polygon and Stellar.

Base · Polygon · Stellar
§ 03 — Developers

One API. Idempotent by default.

Plain REST + signed webhooks — no SDK required, call it from any language. Test mode mints test naira and USDC on demand. Ship a payment page in an afternoon.

curl
SDK-free
Typed
OpenAPI 3.1
Idempotent
Retry-safe
Webhooks
Signed HMAC
§ 04 — Settlement

Settle in naira, dollars or USDC.

Route each merchant, each product, each transaction to the currency and account that makes sense. T+0 for stablecoins. T+1 for fiat.

* FX at mid-market + spread disclosed at charge time. No hidden fees.
§ 05 — Pricing

Pricing that bends to your volume, not the other way round.

Negotiate your processing percentage — no flat overhead, no overburden. Your rate compresses as your pool grows, so scaling up never costs you more per naira.

  • Negotiable rates
    Set a processing percentage that fits your margins — talk to us, not a rate card.
  • No fixed overhead
    No monthly minimums, no setup fees, no per-seat charges. You pay on what you process.
  • Grow as your pool grows
    Rates step down automatically as volume climbs — scale rewards you, it doesn't tax you.

Common questions

Nigeria, Ghana, Kenya, South Africa, Egypt, Morocco, Côte d'Ivoire and 10 more. Full list on the coverage page.

Take your first payment
before lunch.

Create an account, get sandbox keys instantly, and go live after a five-day KYB review. No sales calls unless you want one.

No credit card · 30 days free sandbox · Cancel anytime