Freelancer
Brand designer billing a US client
Sends a USD invoice with a payment link, gets paid by card, and receives the NGN equivalent in a Nigerian bank account after fees and FX.
PayKato helps Nigerian freelancers, agencies, and digital sellers create payment links, send invoices, track fees, and request local payouts through licensed payment partners.
Payment processing, FX, and payouts are provided by licensed partners. Availability, fees, supported currencies, and payout timing vary by country and merchant approval status.
Pilot = merchants ready now · Waitlist = not yet ready · Partnerships = API, payment, or investor partners.
PayKato platform fee from 1.5%. Processor, FX, payout, bank, and country-specific fees may apply.
PayKato is a software platform. Licensed processing, FX, and settlement are provided by regulated partners. PayKato does not hold customer funds.
Pending settlement balance
$12,480.50
Nneka Olasuyi Maikano
Invoice #1042
+$240.00
Card checkout
Logo design
+$59.00
Payout to GTBank
Settled in NGN
−$1,500.00
We're focused on a specific kind of Nigerian merchant during beta. Honest fit beats wasted onboarding time.
See the full Prohibited Businesses list.
Join the early pilot and get everything you need to start accepting payments with local NGN payouts.
First 30 approved merchants get a reduced PayKato platform fee for 60 days.
| Plan | Fee |
|---|---|
| Beta standard | 1.5% |
| Early pilot merchant | 1.0% for first 60 days |
| High-volume merchant | Custom review |
Typical timing during the Nigeria pilot. Actual times depend on the documents you submit and partner review.
Day 0
Apply
Submit your business details and create your account.
Day 1–2
Initial review
We confirm your business category is supported in the pilot.
Day 2–4
KYC / KYB
Upload CAC, director ID, and settlement bank details.
Day 4–7
Partner approval
Licensed processor partner reviews your application.
Day 5–10
Live access
Payment links, invoices, and local NGN payouts enabled.
Most pilot merchants are live within 5–10 business days from application. Complex business categories may take longer.
A quick look at the three things you'll use most: creating a payment link, sending an invoice, and tracking settlements.
Description
Logo design — Acme Co.
Amount
$240.00
Currency
USD
Shareable link
paykato.com/pay/acme-logoBilled to
Nneka Olasuyi Maikano
nneka@acme.com
Available for payout
$12,480.50
Illustrative previews of the merchant dashboard. Live screens may differ during the pilot.
PayKato is currently accepting selected Nigerian merchants for a controlled beta. Applications are reviewed before live payment access is enabled.
PayKato is built for merchants who want a simpler way to create payment links, send invoices, track transactions, and request local payouts through supported licensed partners.
Illustrative only. Processor and FX/payout fees vary by partner, currency, card type, and country. PayKato platform fee is 1.5%.
| Customer pays | Processor fee | PayKato fee (1.5%) | FX / payout fee | Estimated net settlement |
|---|---|---|---|---|
| $100 | ~$3.20 | $1.50 | ~$0.80 | ≈ $94.50 |
| $500 | ~$16.00 | $7.50 | ~$3.75 | ≈ $472.75 |
| $1,000 | ~$32.00 | $15.00 | ~$7.50 | ≈ $945.50 |
Example only — final fees and payout amounts are confirmed at checkout and settlement. See /pricing for details.
Getting these together up front speeds up review and approval.
PayKato helps African merchants organize the payment workflow in one place:
PayKato does not replace Paystack, Flutterwave, or other licensed processors. It simplifies the merchant workflow around payment collection and local settlement.
Four tools. One dashboard. Built for how African businesses actually work.
Share a link, get paid. Works on WhatsApp, Instagram, anywhere.
Send branded invoices. Customers pay by card or bank transfer.
Accept USD, EUR, GBP through licensed payment processors, subject to country and merchant eligibility. Specific processors are confirmed during onboarding once integrations and approvals are in place.
Typical payouts land in your local bank account within 1–3 business days in supported countries, subject to compliance review, partner availability, banking cut-offs, and merchant approval status.
Five steps to start accepting payments with PayKato.
Sign up with your email and business details to get started.
Submit KYC documents so we can verify your business and keep payments safe.
Generate a link, send an invoice, or share a checkout directly with customers.
Customers complete payment on secure, partner-hosted checkout pages.
Get paid into your local bank account through licensed payout and banking partners. Payouts are subject to compliance review and partner availability.
PayKato is not trying to replace processors. We help merchants compare availability, onboard correctly, create invoices and payment links, manage settlement visibility, handle compliance documents, and request local payouts through supported partners — all from one dashboard.
| PayKato advantage | Why it matters |
|---|---|
| One dashboard | Merchant does not need to manage multiple processors manually |
| Guided KYC/KYB | Helps merchants submit correct documents |
| Invoice + payment link workflow | Easier for freelancers/agencies |
| Settlement tracking | Shows gross, fees, FX, payout status |
| Compliance screening | Reduces risky merchant categories |
| Local payout coordination | Simplifies settlement experience |
PayKato is a payment orchestration + merchant onboarding + invoice/payment-link dashboard for African cross-border sellers.
| Competitor | Their strength | PayKato angle |
|---|---|---|
| Paystack | Trusted African gateway | PayKato helps merchants manage availability, onboarding, and settlement across partners from one dashboard |
| Flutterwave | Broad African coverage | PayKato adds guided KYC/KYB, compliance screening, and settlement visibility for African cross-border sellers |
| Stripe | Global developer tools | PayKato coordinates local NGN payouts and African merchant-specific onboarding while still using Stripe where supported |
| Wise / Payoneer | Cross-border payouts | PayKato bundles payment links, invoices, and payout coordination in one merchant dashboard |
How different Nigerian merchants use PayKato to invoice clients abroad and settle to a local bank account.
Sends a USD invoice with a payment link, gets paid by card, and receives the NGN equivalent in a Nigerian bank account after fees and FX.
Creates monthly invoices for international retainer clients, tracks gross, fees, and net settlement on one dashboard, then requests local payouts.
Uses a single payment link to collect deposits from overseas buyers before shipping, with documentation kept inside one merchant record.
Shares one PayKato link across socials, newsletters, and a website to sell digital templates, ebooks, or online courses to a global audience.
Examples illustrate typical merchant workflows during the Nigeria pilot. Eligibility, availability, fees, and payout timing are confirmed during onboarding.
Initial focus: Nigeria. Additional country support may include Kenya, Ghana, and South Africa depending on partner availability, payment method support, and merchant approval.
Accept payments the way your customers prefer, where our partners support it.
Accept major debit and credit cards through licensed processors.
Receive bank transfers where available and supported by our partners.
Accept mobile money payments where local partners and regulations support it.
Customers complete payment on secure, partner-hosted checkout pages.
PayKato uses merchant verification, prohibited-business screening, transaction monitoring, and partner-led payment processing to support safer global commerce.
PayKato is a merchant software and payment orchestration platform. We do not take deposits, hold customer funds, issue wallets, or independently provide FX, money transmission, or card acquiring services.
Feedback shared by merchants in the Nigeria private beta. First names and initials are used at the merchants' request. These are beta testimonials, not paid endorsements.
"I used to spend hours explaining to international clients how to pay me. Now I just send a PayKato link and the NGN lands in my bank."
Tunde A.
Freelance brand designer · Lagos
"The onboarding checklist made it really clear what CAC and ID documents to upload. We were approved in under a week."
Chiamaka O.
Co-founder, digital agency · Abuja
"Seeing the gross, processor fee, PayKato fee, and net settlement on one screen is what I needed. No more spreadsheets."
Emeka N.
SaaS founder · Lagos
Security and compliance are built into every step of the PayKato experience.
Every merchant completes identity and business verification before accepting payments.
Transactions are monitored for unusual activity and compliance risk.
We screen merchants and transactions against prohibited business categories.
Dispute and chargeback activity is tracked to protect buyers and sellers.
Payment processing is handled by licensed third-party providers PayKato integrates with, each operating under their own regulatory coverage.