Paycloud

Paycloud is a financial technology platform for SMEs in Kenya that combines a mobile POS, store management tools, and a business bank account to help merchants get paid, track sales, and access financing.

Key capabilities include:

• Smart POS on Android that turns a phone into a portable PDQ to accept M-Pesa, cards (Mastercard, Visa), cash, and Pay Later (Lipa Pole Pole).
• Digital banking for businesses with a free business bank account and support for Pesalink, RTGS, SWIFT, and M-Pesa rails for receiving and moving money.
• Business financing in-app, with examples shown such as Ksh 150,000 total loan advanced and installment options including 2 weeks (Ksh 85,000) and 4 weeks (Ksh 50,000).
• Operations and compliance tools including inventory and sales tracking, automated M-Pesa, bank, and POS reconciliation, E-Tims integration for VAT receipts, invoice tracking with invoice financing requests, and bill payments for payroll and suppliers.

Available on Web (business portal) and Android (POS app).

Built for SMEs and entrepreneurs who need payments, banking, reporting, and credit in one place.

Notable in the Kenyan market for combining merchant acquiring and business banking in partnership with Choice Microfinance Bank (regulated by the Central Bank of Kenya), with deposits protected by the Kenya Deposit Insurance Corporation up to KES 500,000, and support for international transfers plus FX across USD, GBP, EUR, and RMB.