The Switch Powering Cross-Border Commerce into Africa.
Beyond Payment Processing.
Smart Routing
Intelligent transaction routing across 15 direct MNO and bank integrations. Automated failover and success rate optimisation across every corridor.
Real-Time FX Settlement
Cross-border FX in minutes, not days. UK, US, or EU to an East African wallet or bank account. FX spread is the most profitable revenue rail.
3-Way Reconciliation
Automated reconciliation across the bank ledger, MNO transaction log, and merchant statement. Zero manual settlement work. Full audit trail.
Pesaswap sits in the middle.
Every merchant above uses Pesaswap to reach every rail below, through one integration, one contract, one reconciliation file.
Others Lock Merchants In. We Unlock the Network.
Closed PSP Ecosystem
Flutterwave, Paystack, Cellulant, PesaPal
- Merchant locked into ONE provider
- Single point of failure, no failover
- Country-by-country integration required
- Opaque FX rates, manual reconciliation
- Concentration risk: if provider fails, you fail
Open Orchestration Layer
Pesaswap
- Merchant chooses any provider; we route optimally
- Automated failover across 15 direct integrations
- One API, every corridor across 4 markets
- Real-time FX settlement with automated reconciliation
- No concentration risk: multi-rail by design
"We are not competing with PSPs; we are the infrastructure that connects and optimises them."
Go live with a few lines of code.
$ curl https://api.pesaswap.io/v1/payments \
-H "Authorization: Bearer sk_live_..." \
-d amount=45000 \
-d currency=USD \
-d destination=mpesa:254712345678 \
-d settlement=auto
# 200 OK
{
"id": "pay_4920211",
"status": "settled",
"route": "USD → EUR → KES",
"provider": "wise",
"settled_in_ms": 1840
}
Every call lands as a reconciled transaction. Settled, pending, and failed-over states are visible to your team the moment they happen.
Request
Send one POST with the amount and destination. Cards, mobile money, and bank rails share the same contract.
Route & failover
Pesaswap picks the best corridor by success rate and cost, then retries across providers in under two seconds.
Settle & reconcile
FX is applied, the transaction is 3-way reconciled, and the result lands in your dashboard in real time.
One switch. Every kind of partner.
USD 0Mn+
Processed Volume
Volume through Tier-1 partner rails
0
Active Countries
Live operations across East Africa
0
Direct Integrations
MNOs, banks, and card networks
USD 0Bn/mo
Partner Network Reach
LemFi global processing volume
Choice Bank's international merchant flows route through Pesaswap into every East African rail. One contract. Thousands of merchants.
LemFi processes USD 1Bn/month globally. Pesaswap handles the East African leg of every transaction. Volume is theirs; infrastructure margin is ours.
Nala routes consumer remittance into East Africa through Pesaswap, the settlement and reconciliation layer beneath every transfer.
Co-op Bank distributes Pesaswap-powered QR to its merchant base. Its distribution network means instant local merchant coverage at zero CAC.
Revenue Model
Transaction Fees
Volume-Based Collections
Percentage fee on every inbound payment processed: e-commerce, QR, remittance receipts.
FX & Treasury
Cross-Border Settlement
Seamless cross-border settlement and treasury services from UK/US/EU into East Africa.
Wallet-to-Wallet
P2P & Diaspora
Fee on wallet top-ups, P2P transfers, and diaspora corridors. Low friction, high frequency.
Invoice & QR
Corporate Collections
Corporate invoice management and QR-driven collection, distributed through bank partnerships.