Features
Everything you need to
move money fast.
Built ground-up for the way money actually moves today: multi-currency, mobile-first, with phone numbers and QR codes baked in alongside cards and bank rails.
PAYMENT LINKS
One link. Every customer.
Every account has a public URL at payclio.com/pay/{handle}. Share it once and receive money forever, no per-transaction setup, no per-customer onboarding.
- Custom handle for merchants (e.g. payclio.com/pay/myshop)
- Phone-number URLs for personal users
- Hosted page with your business logo and name
- Open amount or amount-locked, your call
QR CODES
Scan-and-pay everywhere.
Every payment link and every payment request comes with an auto-generated QR. Print it on receipts, posters, business cards. Show it at the counter. Customers scan and land on your hosted payment page.
- SVG QR codes, print or scale to any size
- Auto-generated for links and one-off requests
- Works with any phone camera, no app required
- Universal, encodes a standard URL
MULTI-CURRENCY WALLETS
Hold five currencies.
Open a free USD wallet on signup. Add EUR, GBP, ZAR, or NAD for a one-off $39 each. Move money between wallets at near-mid-market rates with a transparent 2% FX markup.
- USD wallet free on signup
- Additional wallets $39 one-off (paid in card or balance)
- Mid-market FX with 2% transparent markup
- Instant inter-wallet conversion
PAYMENT REQUESTS
Lock the amount. Set the expiry.
Generate a one-off invoice with a specific amount and memo. Share it with a customer, they pay it once, it expires, done. No reconciliation, no manual matching.
- Amount-locked, customer can't under- or over-pay
- Configurable expiry (default 7 days)
- Memo field for invoice numbers / order refs
- Shareable URL and QR on the same page
“Invoice #4821”
PAYCLIO CARDS
Virtual and physical, in your pocket.
Issue a virtual card in seconds for online shopping and subscriptions. Order a physical card to use in shops, restaurants and ATMs worldwide. Auto-funded from your wallet balance, freeze, unfreeze, or replace from the dashboard.
- Virtual card issued instantly
- Physical card shipped in 7 to 14 business days
- Freeze and per-merchant spend limits
- Apple Pay and Google Pay supported
- Single-use disposable cards for risky checkouts
CARD PAYMENTS
Take cards from any customer.
Merchant accounts can accept Visa, Mastercard, Amex, Apple Pay and Google Pay on every payment link and payment request, embedded directly on the Payclio-hosted page. Funds settle to your USD wallet on next-business-day.
- Visa, Mastercard, American Express, Apple/Google Pay
- Embedded card form, no redirect, no PCI scope for you
- 3D Secure / SCA handled automatically
- Payouts to wallet within 1 business day
PCI-compliant, 3D Secure supported, Apple Pay and Google Pay
AIRTIME & VOUCHERS
Top up phones in 100+ countries.
Buy airtime, mobile data, and utility vouchers for yourself or anyone else, paid from any wallet. 750+ supported operators across 100+ countries.
- 750+ mobile operators across 100+ countries
- Pay from any wallet (auto-converted if needed)
- Bulk top-ups via API for resellers
- Tier 2 KYC required
DEVELOPER API
Integrate Payclio into anything.
Every merchant account ships with REST API access, generate a personal access token in seconds and start creating payment requests, listening to webhooks, and reading transactions from your own site or app. SDKs for PHP, Node, Python.
- Personal access tokens with fine-grained scopes
- Per-token expiry, rotate without downtime
- Webhooks: payment.succeeded, payment.failed, refund.created
- Sandbox and production environments
# Issue a payment request curl -X POST https://api.payclio.com/v1/payment-requests \ -H "Authorization: Bearer payclio_••••••••" \ -d '{"amount":250,"currency":"USD","memo":"Inv #4821"}' # 201 Created { "id": "req_8f2a91b7", "pay_url": "https://payclio.com/req/abc...", "status": "pending" }
TWO-FACTOR AUTH
Lock your account down, your way.
Add a second check at sign-in. Pick the channel that fits how you work: a code by WhatsApp/SMS, a code by email, or time-based codes from an authenticator app you already trust.
- WhatsApp first, automatic SMS fallback
- Email codes from your verified address
- Authenticator apps: Google Authenticator, Authy, 1Password, Duo Mobile
- Switch methods or turn off anytime
Google Authenticator, Authy, 1Password, Duo Mobile
MERCHANT TOOLS
A console built for selling.
Bank account onboarding, withdrawal scheduling, customer list, transaction search, custom branding on payment pages. Every merchant gets a username, a logo upload, and a public profile.
- Verified bank account, push-to-bank withdrawals
- Custom branding on /pay/{handle} pages
- Transaction CSV exports
- Webhook events for every state change
Merchant consoleReady to ship?
Create an account and your payment link is live in under a minute.