Collect African payments and settle in USD or stablecoins
ElementPay
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksA stablecoin payment infrastructure platform enabling African businesses to collect and send payments via USSD and mobile money rails, with real-time on-chain tracking and developer APIs.
ElementPay Product Overview
Is ElementPay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- African merchants
- Cross-border sellers
What It Does Well
- USSD stablecoin payments
- Mobile money payouts
Things to Check
- Supported stablecoins
- Mobile money networks
About ElementPay

ElementPay is a stablecoin payment infrastructure platform for African businesses that need to collect payments and send payouts through USSD and mobile money flows, including for customers without internet access.
Key capabilities include:
- USSD stablecoin payments (no internet required): customers can pay from any phone, with automatic wallet creation when they dial a business USSD code.
- Mobile money integration: connects stablecoin payments to familiar local channels (including M-Pesa), so end users can transact using known payment rails.
- Enterprise collections and payouts: provides REST APIs, webhooks, and SDKs (as referenced on the site) to automate collections, bulk payouts, and reconciliation for use cases like payroll and vendor payments.
- On-chain visibility and settlement: tracks transactions on-chain with real-time status visible in the ElementPay console, and supports cross-border settlement.
Available on Web (API Console, documentation, and a D-App dashboard) and via API.
Target users are B2B2C teams such as solar energy providers, event platforms, agribusiness services, and gaming or digital economy platforms serving customers who primarily use USSD and mobile money.
In African markets where smartphones and data access vary widely, the product is notable for bridging USSD and mobile money with stablecoin settlement, helping businesses reach offline users while keeping settlement and tracking on-chain.
ElementPay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataRecent Reviews for ElementPay
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews workNo reviews yet. Be the first to review this product.
Frequently Asked Questions About ElementPay
ElementPay is a fintech platform that enables crypto micropayments and stablecoin transactions in Africa, allowing users to pay via mobile numbers, USSD, or virtual cards using tokens from their wallets. It works by connecting your cryptocurrency wallet to convert digital assets to local fiat for everyday spending like bills or transfers, without taking custody of your funds, and supports businesses with APIs for collections and payouts.
ElementPay operates in Kenya, Nigeria, Ghana, South Africa, and Uganda.
No, ElementPay does not have a mobile app. It uses USSD codes and web interfaces for transactions from any phone.
ElementPay is best suited for African businesses and platforms that need stablecoin-based collections and payouts, especially those serving customers who transact via USSD and mobile money.
Yes, ElementPay offers services for businesses including enterprise APIs, custom USSD flows, bulk payouts, and collections tailored for African markets.
