For merchants
Sell anywhere.
Get paid everywhere.
Counter QR, online payment link, mobile money, card payments. Every channel works the same way and lands in the same wallet. Withdraw to your bank when you're ready.

Acceptance channels
Four ways to take a payment.
Same wallet, same reconciliation, same payouts, pick whichever fits the moment.
Counter QR
Print your QR once. Customer scans, enters the amount (or you pre-enter it for them), pays. Notification on your phone in seconds.
Send a payment request
Generate a locked-amount invoice from the dashboard. WhatsApp it, email it, paste it. Customer pays, you get an alert.
Hosted payment page
payclio.com/pay/yourshop, your logo, your name, your colors. Customers pick wallet or card.
Embed in your site
REST API and webhooks. Create payment requests programmatically, display the QR on your checkout, get notified when the customer pays.
Every kind of business
Retail, trades, or a one-person shop online.
Same wallet, same acceptance channels, however you sell.

On site, invoicing straight from a laptop.

Selling from a phone, link shared in a bio.
Merchant console
One dashboard. Every channel.
Today's takings, your top customers, refunds, payouts, transaction history with CSV export, and a single payout button that pushes any wallet to your verified bank account.
- Real-time transaction stream
- Customer and payer profiles auto-built
- Refunds in one click
- Webhooks: pay, refund, dispute, payout
Get started
From signup to first sale in 3 steps.
Open Account
Phone, email, business name. Verify in under a minute.
Complete KYC
Upload ID and proof of business. Reviewed within 24 hours.
Share your QR
Print it, post it, paste it on socials. Money lands the moment a customer pays.