Power payouts to banks, mobile wallets, cards and stablecoin wallets. Pay for airtime, electricity, data and 10+ utility services across 40+ emerging markets. One integration. Settle in local currency or stablecoins.
curl -X POST https://api.paykunda.com/v1/payouts \
-H "Authorization: Bearer pk_live_..." \
-H "Content-Type: application/json" \
-d '{
"amount": "5000.00",
"currency": "KES",
"sender": {
"name": "Acme Corp",
"phone_number": "+14155551234",
"country": "US"
},
"recipient": {
"type": "mobile_money",
"phone_number": "+254712345678",
"network": "M-PESA",
"first_name": "Jane",
"last_name": "Doe"
},
"reference": "sal-2026-001"
}'Mobile money transactions processed daily across Africa
Payment methods available through one API
Average settlement time for payouts
Two powerful APIs that cover every payment need in emerging markets.
Send money to bank accounts, mobile wallets, cards and stablecoin wallets across 40+ emerging markets. One API call, instant delivery to 200+ payment methods.
Learn more →Pay for anything. Airtime, electricity, data, eSIM, TV, internet, water and invoices through a single endpoint across every market.
Learn more →Settle your way. Choose local currency or stablecoins (USDC/USDT). Faster, cheaper cross-border rails without the FX markup.
Learn more →Three simple steps to start processing payments across emerging markets.
Integrate once with our REST API. Get your API keys and start testing in our sandbox in minutes.
Route payments across 40+ markets. We handle provider selection, FX and local compliance automatically.
Monitor in real-time with webhooks. Get instant notifications on every payment status change.
Access 10+ utility payment categories through a single API endpoint.
Mobile top-ups for all major carriers across every supported market. Instant delivery.
Prepaid and postpaid electricity bill payments. Token delivery for prepaid meters.
Mobile data bundles across all networks. Daily, weekly and monthly plans available.
Digital SIM activation and top-ups. Distribute connectivity products programmatically.
Cable and satellite subscription payments. DStv, GOtv, StarTimes and local providers.
Broadband, fiber and ISP bill payments. Keep your users connected effortlessly.
Connected across Africa, Asia and the Americas with deep local integrations.
Nigeria, Kenya, Ghana, South Africa, Tanzania, Uganda, Senegal and more. Deep mobile money and bank integrations.
View markets →India, Bangladesh, Philippines, Pakistan, Vietnam. Bank transfers, wallets and real-time payment rails.
View markets →Mexico, Brazil, Colombia, Argentina, Uruguay. PIX, SPEI and local bank network connectivity.
View markets →Mobile money, bank transfers, cards, wallets and stablecoin rails. Every payment method that matters.
View methods →Clean REST API, comprehensive SDKs and detailed documentation. Go from zero to first payment in under 10 minutes.
curl -X POST https://api.paykunda.com/v1/utilities/airtime \
-H "Authorization: Bearer pk_live_..." \
-H "Content-Type: application/json" \
-d '{
"phone_number": "+233241234567",
"amount": "20.00",
"currency": "GHS",
"country": "GH",
"reference": "air-2026-001"
}'
# Response: 201 Created
{
"id": "utl_01X2Y3Z4A5B6C7D8",
"type": "airtime",
"status": "completed",
"amount": "20.00",
"currency": "GHS"
}Insights on payments, stablecoins and building for emerging markets.
The technical decisions behind unifying airtime top-ups into one clean endpoint. How we handle provider diversity at scale.
A practical guide for businesses deciding between USDC/USDT and local currency settlement. When each option makes sense.
Transaction volumes, new corridors and emerging trends shaping mobile money across Ghana, Nigeria, Senegal and beyond.
Explore our documentation, create an account, or contact us to build your integration.