Freedom251 › Payment Facilitation Platforms

Pochipay

Paid APIWeb

What Pochipay is

Pochipay is a payment orchestration platform for businesses seeking a single integration to accept, collect and settle payments across markets. Its checkout gateway handles cards, wallets, bank transfers and more than 200 local payment methods across 170+ countries. Listed methods include M-Pesa, Airtel Money, MTN MoMo, Visa, Mastercard, Apple Pay, Google Pay, PayPal, SEPA, ACH, PIX and UPI. AI-powered routing across acquirers and processors is intended to improve approval rates and reduce costs. Fraud controls include real-time risk scoring, 3DS2 authentication, configurable rules and automated chargeback handling. The payouts product sends money to bank accounts, mobile wallets and cards, with batch processing, tracking and reconciliation. Its API supports collections, disbursements, transaction lookups, wallet balance reads and callbacks; the full reference is available to signed-in merchants. Pochipay also lists sub-merchant onboarding, KYC/KYB tools, split payments, platform payouts, and risk and underwriting. It was founded in Nairobi in 2020 and lists pricing as custom.

Who it suits

Pochipay is presented for global businesses in travel and hospitality, digital commerce, marketplaces, SaaS, gaming and financial services. It may suit businesses needing checkout and payouts across multiple markets.

What it does well

Checkout spans 170+ countries
More than 200 local payment methods
Payouts support batch processing and reconciliation
API supports collections and disbursements
PCI DSS Level 1 certification

What to know first

Pricing is custom and not listed
Full API reference requires merchant sign-in
Higher tiers unlock faster settlements and more methods

Limits

Pricing is tailored to volume, markets, and payment mix. Higher tiers unlock more payment methods, faster settlements, and dedicated support.

Plans

Plan	Billed and limits	Price
Custom pricing	Tailored proposal within one business day · Pricing tailored to volume, markets, and payment mix · Higher tiers unlock more methods, faster settlements, and dedicated support	On request

As pochipay.com lists them, read 30 Sept 2026. The maker's own page has the final word.

Getting started

Visit Pochipay’s website.
Contact the sales team for a tailored pricing proposal; the pricing page says it will prepare one within one business day.
Choose a plan based on your volume, markets, and payment mix.
Use the web platform or API for collections, disbursements, lookups, wallet balance reads, and callbacks.
Sign in as a merchant to access the full API reference.

Verdict

Pochipay brings multi-market checkout, payment routing, fraud controls and payouts under one integration. Pricing is tailored, so businesses should request a proposal for their volume, markets and payment mix.

Questions

How much does Pochipay cost?

Pochipay uses custom pricing tailored to volume, markets, and payment mix. Its sales team says it will prepare a proposal within one business day.

Which platforms does Pochipay support?

Pochipay lists web and API platforms.

What payment methods can customers use?

The checkout gateway accepts cards, wallets, bank transfers, and 200+ local methods across 170+ countries. Listed options include M-Pesa, Visa, Mastercard, Apple Pay, PayPal, SEPA, ACH, PIX, and UPI.

What does the API support?

It supports collections, individual or batch disbursements, transaction lookups, wallet balance reads, and callbacks. The full reference is available to signed-in merchants.

What security measures does Pochipay state?

Pochipay states that it 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.

Who makes Pochipay, and when was it founded?

Pochipay says it was founded in Nairobi in 2020 and identifies Nairobi, Kenya as its headquarters.

Facts from Pochipay's own pages

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

Where Pochipay stands on Freedom251

Payment Facilitation Platforms#20 of 25