PayKato's value depends on partner orchestration. We activate partners in phases — local Nigeria capability first, then cross-border freelancer rails, then broader Africa expansion. Partner names below reflect intent and ongoing discussions; final integration is subject to commercial and compliance approval by each partner.
Priority 1
Card acceptance, online checkout, and NGN payout rails for pilot merchants in Nigeria.
Moniepoint
Business banking and local NGN payout relevance.
Interswitch
Core Nigerian payment infrastructure (card, switching, settlement).
Paystack
Card and online payment coverage via supported partner model.
Flutterwave
Card and online payment coverage via supported partner model.
Priority 2
USD/EUR/GBP receipt, FX, and routing for Nigerian freelancers, agencies, and digital sellers.
Payoneer
Freelancer and marketplace payout relevance for cross-border earnings.
Wise
FX and international transfer relevance with transparent mid-market rates.
Grey
African virtual account and payout relevance for USD/EUR/GBP receipts.
Raenest
African business and freelancer finance relevance.
Priority 3
Broaden coverage beyond Nigeria into East, Southern, and West Africa as partner depth allows.
Pesapal
East Africa acceptance and payout coverage (Kenya, Uganda, Tanzania).
DPO
Broader African payment coverage across multiple markets and currencies.
Build order
Endpoints land in this order so merchant onboarding, money movement, and reconciliation come online together. Authentication, idempotency keys, and signed webhooks are required for every endpoint at launch.
Merchant onboarding API
Programmatic merchant creation, KYC document upload, and status sync for platform partners.
Payment link API
Create, update, deactivate, and list payment links with amount, currency, and metadata.
Invoice API
Issue invoices, attach line items, send to customer, mark paid via processor callback.
Checkout session API
Create a partner-hosted checkout session and return a customer-redirect URL.
Transaction status webhook
Server-to-server events for authorized, captured, failed, refunded, and disputed transactions.
Settlement ledger API
Per-transaction breakdown: gross, processor fee, PayKato fee, FX, payout fee, net settlement.
Payout request API
Initiate and track payout requests to an approved settlement bank account.
Refund API
Issue full or partial refunds against an original transaction; surface partner refund fees.
Chargeback / dispute webhook
Lifecycle events for dispute opened, evidence required, won, lost, and reversed.
If you represent one of the partners above — or you're a platform that needs PayKato APIs to embed merchant onboarding, links, invoices, or payouts — we'd like to talk.
Partner names are listed to indicate scope and direction. Mention of a partner does not imply an active integration, endorsement, or contractual relationship. Availability of any partner depends on their commercial approval, compliance review, and technical onboarding. PayKato does not hold customer funds; processing, FX, and payouts are performed by licensed third parties.