Credit Payment Gateway Infrastructure

The payment gateway built for commitments, not just transactions

Process one-time payments, recurring subscriptions, and installment plans through a single API. Built specifically for African credit commercewhere every payment is part of a larger commitment.

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Payment Gateway Options We Offer With a Seamless Payment Experience

To support flexible and reliable financial commitments, our platform provides multiple payment gateway options designed to meet users wherever they are:

Card Payments
Mobile Wallets
Bank Transfer
POS Payments
USSD Payments
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Choose exactly when and how you pay with a digital payment plan

Shop with confidence knowing your exact payment schedule upfront no surprises, ever.

Background

Why payment gateways fail at credit commerce

Traditional payment gateways were built for e-commerce checkouts single, immediate transactions. But credit commerce is fundamentally different. Every payment is part of a series. Every transaction has context. Every failure needs intelligent handling. Standard gateways treat each payment as isolated, leading to broken commitments and failed collections.

Why This Matters

This approach makes credit payments simple, transparent, and predictable helping users manage commitments responsibly while allowing businesses to grow revenue without increasing payment risk.

Clear Credit Commitments

Users see exactly what they’re agreeing to; payment amounts, schedules, and terms before credit is approved, reducing confusion and missed payments.

Reliable, Automated Payments

The gateway automatically executes repayments through approved channels, improving payment success rates and reducing manual intervention.

Trust at Every Transaction

Digitally signed mandates and verifiable records ensure every credit transaction is authorized, transparent, and auditable for all parties.

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Understand Exactly How Your Business Is Performing

PeerPay gives you full visibility into your credit operations, payments, and commitments so you always know what's happening, who's paying, and what needs attention.

Real-time reporting & insights
Smart reconciliation
Detailed transaction breakdowns
Automated alerts & notifications
Searchable customer directory

Fast, Reliable Settlements

PeerPay ensures your funds move quickly and predictably so you can focus on growing your business, not chasing payments.

Get settled within 24 hours
Daily scheduled settlements
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Accept everything. Settle instantly.

Let PeerPay's gateway handle payment complexity while you focus on sales.