Digital wallets, instant transfers, merchant payments, and American Express — all in one app. Built for how Africa actually does business.
Your money in one place. Top up, send, receive, and track every transaction. Works in USD and ZiG.
Send money to any Rails Pay user instantly. No waiting, no hidden fees. Just tap and it's there.
Accept Amex cards directly. No third-party processor, no extra setup. Swipe or tap.
Accept payments at your shop, restaurant, or online store. QR codes, payment links, or API integration.
Hold funds for escrow, layaway, or service guarantees. Release when both parties are happy.
Integrate payments into your own app. Wallets, transfers, and merchant endpoints — all via REST.
No surprise fees. No foreign exchange headaches. No waiting days for your money.
USD and ZiG wallets. Instant settlement. Full transaction history.
The Pay API lets you integrate wallets, transfers, and merchant payments into your own app. The same infrastructure we use, available to you.
Read the API docsOpen your Rails Pay wallet in minutes. No paperwork, no minimums.
Open your wallet