---
title: "PCXPAY: Cross-Border Payments API in Africa"
description: "Cross-border payouts via one API using stablecoins, Lightning and bank rails. €0.50 micro-payouts. Nigeria, Kenya, SA, Rwanda & Ghana."
canonical_url: "https://liners.com/pcxpay"
markdown_url: "https://liners.com/pcxpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pcxpay/screenshot.webp?v=1773313073051"
published_at: "2026-03-12T11:35:10.156Z"
updated_at: "2026-10-01T18:00:01.743Z"
---

# PCXPAY: Cross-Border Payments API in Africa

Cross-border payouts via one API using stablecoins, Lightning and bank rails. €0.50 micro-payouts. Nigeria, Kenya, SA, Rwanda & Ghana.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PCXPAY](/pcxpay)

## Summary

Move money globally in seconds with one payments API

A global payments infrastructure platform for fintechs and platforms to run cross-border payouts and embedded finance via API using stablecoins, Lightning, and traditional rails.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pcxpay.com/ |
| Tagline | Move money globally in seconds with one payments API |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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)**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [Rwanda](/countries/rwanda): Market
- [South Africa](/countries/south-africa): Market

## Related pages

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

## Access and citation

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