PPayKato
Honest roadmap. This is what we're actively building (now), what's next, and what's still in design. Dates intentionally omitted — we'd rather ship than over-promise. Cross-reference partner status on the partners page.

API & product roadmap

PayKato is shipping in clearly-scoped phases so merchants and partners always know what's live, what's coming, and what's still on paper.

Status legend

Live in pilotIn progressPlanned

"Live in pilot" means the capability is available to approved pilot merchants today. "In progress" means actively under build. "Planned" means scoped but not yet started.

Phase 1

Nigeria MVP

Now — pilot

The core merchant workflow we're shipping to closed-pilot merchants in Nigeria today.

  • Payment links
    Live in pilot
  • Invoices
    Live in pilot
  • Merchant application
    Live in pilot
  • KYC document upload
    Live in pilot
  • Settlement ledger
    In progress
  • Manual payout request
    In progress
  • Partner-hosted checkout (Paystack / Flutterwave)
    Pilot partners; final processor confirmed at onboarding.
    In progress
Phase 2

Local payout partners

Next

Automated NGN settlement and local bank rails for Nigerian merchants.

  • Moniepoint
    Planned
  • Interswitch
    Planned
  • Bank payout rails (NIBSS / direct bank)
    Planned
  • NGN settlement tracking & reconciliation
    Planned
Phase 3

Cross-border payout & FX

Next

USD/EUR/GBP collection and payout for African freelancers, agencies, and exporters.

  • Wise — FX & global payouts
    Planned
  • Payoneer — freelancer payouts
    Planned
  • Grey — virtual accounts & FX
    Planned
  • Raenest — business accounts & payouts
    Planned
Phase 4

Africa expansion

Future

Move beyond Nigeria into East and Southern Africa with regional processors.

  • Pesapal — East Africa card & mobile money
    Planned
  • DPO — pan-African processing
    Planned
  • Kenya launch
    Planned
  • Ghana launch
    Planned
  • South Africa launch
    Planned
Phase 5

Developer API

Future

Public REST API for merchants and platforms to build on PayKato directly.

  • Create payment link API
    Planned
  • Invoice API
    Planned
  • Webhook events
    Planned
  • Settlement API
    Planned
  • Refund API
    Planned
  • KYC status API
    Planned
  • Partner routing API
    Planned

Want a feature prioritised?

Pilot merchants and partners can directly influence what we build next. Tell us your use case at product@paykato.com or join the pilot waitlist.

Join pilotPartner statusTrust & security