Get paid in anything.
Settle in what you want.
- 0.00%
- Uptime SLA
- ~0.0s
- Auth latency
- 0
- Countries
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
| Account | Debit | Credit |
|---|---|---|
| Σ balance | 148,593.69 | 148,593.69 |
Every rail your customers already use. One integration.
Cards
Visa, Mastercard, Verve. 3-D Secure 2, tokenization, one-tap.
Bank transfer
NIP virtual accounts, instant transfers across CBN rails.
USSD
*737# and every MNO. Works on feature phones, no data required.
Stablecoins
USDC, cNGN, cKES on Base, Polygon and Stellar.
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.
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.
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 ratesSet a processing percentage that fits your margins — talk to us, not a rate card.
- No fixed overheadNo monthly minimums, no setup fees, no per-seat charges. You pay on what you process.
- Grow as your pool growsRates step down automatically as volume climbs — scale rewards you, it doesn't tax you.
How we stack up.
Lower cross-border rates, instant settlement, and native crypto and multi-currency payouts — the things the incumbents make you leave for.
Figures reflect each provider's published standard pricing and may change; competitor rates are shown for comparison only. Your HarePay rate is negotiable and steps down with volume.
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.