PAL

Powering modern commerce with a unified payment rail.

Helping African SMEs move money faster and operate across borders with ease.

Open account – it’s free

Our global reach

30+ Currencies

We accept payments in more than thirty currencies.

20M+ API calls

API calls per day, peaking at 231 requests per second.

500k+ payments daily

Average number of payments processed daily.

Payment protection

Trusted Payment Partner

99.9% SUCCESS RATE

Powering seamless payments across Africa with speed, reliability, and a 99.9% success rate.

INTEGRATION SUPPORT

Seamless integration support to get you up and running quickly.

PAYOUT TO 10+

Payout to more than 10+ Africa countries to mobile money or bank account

API For Businesses

Collect

Fund your account or collect customer payments. PAL simplifies global capital flow into your business, whether you're topping up for outbound transfers or accepting payments at scale.

  • Accept deposits in XOF, XAF, NGN, and more
  • One dashboard, everything under your control
  • Clear reconciliation and audit trail
Business
Côte d'Ivoire
Togo
Maldives
Mali
Nigeria
Ireland
Togo
Burkina Faso
Chad
Nigeria
Burkina Faso
Côte d'Ivoire
Togo
Maldives
Mali
Nigeria
Ireland
Togo
Burkina Faso
Chad
Nigeria
Burkina Faso
Business Card

Disburse

Withdraw, convert, or pay anyone—anywhere—with real-time, multi-currency payouts.

  • Withdraw in XOF, NGN, XAF, and more
  • Send payouts via Bank transfer, mobile money, Merchant Account, and more.

Seamless integration.
Designed with developers in mind.

Explore the Doc

Our reliable processing engine makes collecting, disbursing, and
settling effortless and highly adaptable without coding.

// Import PAL SDK
const pal = require('pal-sdk');

// Send a payment
async function sendPayment() {
    await pal.transfer({
    from: 'NGN',
    to: 'XOF',
    amount: 100000
    });
}

// Check balance
async function getBalance() {
    const balance = await pal.balance();
    console.log('Balance:', balance);
}

// List transactions
GET STARTED

Ready to start your PAL journey ?