---
title: "ElementPay: USSD Stablecoin Payment Gateway"
description: "Accept stablecoin payments by USSD (no internet) and mobile money like M-Pesa. Auto-create wallets, run payouts via APIs, track on-chain."
canonical_url: "https://liners.com/elementpay"
markdown_url: "https://liners.com/elementpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/elementpay/screenshot.webp?v=1772410578565"
published_at: "2026-03-02T01:43:29.871Z"
updated_at: "2026-08-30T16:17:26.972Z"
---

# ElementPay: USSD Stablecoin Payment Gateway

Accept stablecoin payments by USSD (no internet) and mobile money like M-Pesa. Auto-create wallets, run payouts via APIs, track on-chain.

## Breadcrumbs

- [Crypto & Web3](/categories/crypto-web3)
- [ElementPay](/elementpay)

## Summary

Accept stablecoin payments via USSD and mobile money

A 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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.elementpay.net/ |
| Tagline | Accept stablecoin payments via USSD and mobile money |
| Primary country | Kenya |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | Yes |

## About the product

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.

## Features

- [Crypto & Web3](/categories/crypto-web3): Category
- [B2B](/tags/b2b): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Offline-Capable](/tags/offline-capable): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Egypt](/countries/egypt): Market
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [South Africa](/countries/south-africa): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/elementpay/alternatives)
- [Reviews](/elementpay/reviews)
- [Transparency](/elementpay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/elementpay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)