PCXPAY

PCXPAY is a global payments infrastructure platform for fintechs, platforms, and enterprises that need cross-border payments and embedded finance through a single API.

Key capabilities include:

• Cross-border payments routing across rails: Combines stablecoin rails, Lightning Network integration, and traditional rails to support faster settlement and lower transfer costs, including support for small-value payouts.
• Embedded finance via API and SDKs: Provides developer-focused APIs and documentation so platforms can add global payment capabilities without building payment infrastructure from scratch.
• Micro-transaction optimisation: Uses an optimisation engine designed for scenarios like €0.50 gaming micro-transactions, aiming to make low-value payouts economically viable.
• Operational visibility and controls: Offers transparent full-cost disclosure, real-time tracking, and automated compliance checks as part of the payments flow.

Available on Web (dashboard sign-up/sign-in) and via API docs for integration.

Target users include fintechs and neobanks, FX and payment service providers (including white-label use cases), gaming and digital entertainment companies handling frequent small payouts, and enterprises embedding global payment functionality.

Notable in an Africa-relevant context, PCXPAY supports access to Nigeria through its status as an appointed agent of Lightway Finance Limited, which is authorised by the Central Bank of Nigeria (CBN) as an International Money Transfer Operator (IMTO), with additional coverage via Lightway Finance Limited in the UK (FCA) and Canada (FINTRAC).