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A Machine-Readable Code

Scan.
Pay.
Done.

Our innovative payment solution allows you to transfer money quickly and securely using QR codes. With just a simple scan, you can send or receive funds in a matter of seconds, eliminating the need for manual entry or tedious account details.

10M+ Transactions
150+ Countries
99.9% Uptime
Scan & Pay $0.00
Scan to Pay Instantly
Payment Complete Transaction verified
$2,840.00 Received today
0.3s Avg. process time
10M+
Transactions
150+
Countries
99.9%
Uptime SLA
500K+
Active Users
Features

Everything you need to
move money globally

A complete suite of payment tools designed for speed, security, and simplicity.

Make Payment

Send money instantly to anyone, anywhere in the world with just a scan or a tap.

Advanced Security

Bank-grade encryption, 2FA, biometric verification and real-time fraud detection.

Mobile Top Up

Top up airtime and data for any mobile network operator across 150+ countries.

Mobile Wallet

Store, manage and spend your money from a secure digital wallet on your phone.

Virtual Card

Instantly issue virtual debit cards for online shopping and subscription payments.

Remittance Solution

Send money home with competitive exchange rates and minimal fees across borders.

Realtime Statement

View live transaction history, export statements, and track your spending in detail.

Payment Link

Generate shareable payment links for invoices, products or services in seconds.

Exchange Money

Convert currencies at real-time market rates with transparent fees and instant settlement.

How It Works

Up and running in 3 simple steps

From sign-up to your first transaction in under a minute.

1

Sign Up

Create your free Payclio account in seconds. No paperwork, no waiting — just enter your details and verify your identity.

2

Fund Wallet

Add money to your wallet via bank transfer, card, or any supported payment method. Funds are available instantly.

3

Scan & Pay

Open the app, scan any QR code, confirm the amount, and your payment is done. Safe, instant, and truly seamless.

// Initialize Payclio SDK import Payclio from '@payclio/sdk'; const client = new Payclio({ apiKey: 'pk_live_••••••••••••', currency: 'USD' }); // Create a payment const payment = await client.createPayment({ amount: 100.00, description: 'Order #1234', redirectUrl: 'https://yourapp.com/success' }); console.log(payment.id); // pay_7f3a9b2c1d... console.log(payment.qrCode); // data:image/png;base64,...
<?php // Initialize Payclio PHP SDK use Payclio\Client; $client = new Client([ 'api_key' => 'pk_live_••••••••••••', 'currency' => 'USD', ]); // Create payment $payment = $client->createPayment([ 'amount' => 100.00, 'description' => 'Order #1234', 'redirect_url'=> 'https://yourapp.com/success', ]); echo $payment->id; // pay_7f3a9b2c1d... echo $payment->qr_code; // data:image/png;base64,...
# Create a payment via REST API curl -X POST https://api.payclio.com/v1/payments \ -H "Authorization: Bearer pk_live_••••" \ -H "Content-Type: application/json" \ -d '{ "amount": 100.00, "currency": "USD", "description": "Order #1234" }' # Response { "id": "pay_7f3a9b2c1d", "status": "pending", "amount": 100.00 }
Developer-First

Integrate in minutes, not days

Our clean REST API and SDKs for JavaScript, PHP, Python and more let you add payments to any app or website without friction.

  • RESTful API with comprehensive documentation
  • Official SDKs: JavaScript, PHP, Python, Go
  • Webhook notifications for real-time event handling
  • Sandbox environment for risk-free testing
  • 99.9% uptime SLA with global redundancy
Read the Docs Quick Start Guide
Pricing

Transparent, no-surprise pricing

Simple fees with no hidden charges. See exactly what you pay for every transaction type.

Transfer Money Charges

Transfer Money Charges

Fixed Charge 1.0000 USD
Percent Charge 1.0000%
Min Amount 1.0000 USD
Max Amount 1000.0000 USD
Daily Limit 1000.0000 USD
Monthly Limit 100000.0000 USD
Agent Fixed Commission 1.0000 USD
Agent % Commission 1.0000%
Bill Pay Charge

Bill Pay Charge

Fixed Charge 1.0000 USD
Percent Charge 1.0000%
Min Amount 1.0000 USD
Max Amount 1000.0000 USD
Daily Limit 100.0000 USD
Monthly Limit 1000.0000 USD
Agent Fixed Commission 1.0000 USD
Agent % Commission 1.0000%
Mobile Topup Charges

Mobile Topup Charges

Fixed Charge 1.0000 USD
Percent Charge 1.0000%
Min Amount 15.0000 USD
Max Amount 1000.0000 USD
Daily Limit 100.0000 USD
Monthly Limit 1000.0000 USD
Agent Fixed Commission 1.0000 USD
Agent % Commission 1.0000%
Virtual Card Charges

Virtual Card Charges

Fixed Charge 3.0000 USD
Percent Charge 2.0000%
Min Amount 100.0000 USD
Max Amount 10000.0000 USD
Daily Limit 100.0000 USD
Monthly Limit 1000.0000 USD
Remittance Charge

Remittance Charge

Fixed Charge 1.0000 USD
Percent Charge 1.0000%
Min Amount 20.0000 USD
Max Amount 15000.0000 USD
Daily Limit 100.0000 USD
Monthly Limit 1000.0000 USD
Agent Fixed Commission 1.0000 USD
Agent % Commission 1.0000%
Make Payment Charge

Make Payment Charge

Fixed Charge 1.0000 USD
Percent Charge 1.0000%
Min Amount 1.0000 USD
Max Amount 100.0000 USD
Daily Limit 100.0000 USD
Monthly Limit 1000.0000 USD
Get Started Today

Ready to transform
how you pay?

Join millions of users and businesses who rely on Payclio for fast, secure, and borderless payments.