One API.
All Payments.
Zero Friction.
PaalPay is a unified payment gateway that connects your apps to Hubtel, Paystack, Flutterwave, MTN MoMo, Vodafone Cash, AirtelTigo Money and more — through a single integration.
Payment Gateways
Single Integration
Multi-Currency
Uptime SLA
Up and running in minutes
PaalPay abstracts every gateway into one clean API. Swap or add gateways without changing your code.
Integrate Once
Add the PaalPay SDK to your project — Laravel, Node.js, Python, or plain REST. One integration unlocks every supported gateway.
Configure Channels
From the PaalPay dashboard, enable the payment channels you want — Mobile Money, cards, bank transfer — and set your preferences.
Accept Payments
Go live and start collecting payments from any channel. Monitor every transaction, trigger refunds, and receive webhooks in real time.
Everything your app needs to collect money
Unified API
One consistent API across all gateways. Initiate, verify, and query transactions regardless of the underlying provider.
Mobile Money
Native support for MTN MoMo, Vodafone Cash, and AirtelTigo Money — the payment methods Ghanaians use most.
Card Payments
Accept Visa, Mastercard, and other card types through Paystack, Flutterwave, and Hubtel's card processing rails.
Instant Webhooks
Real-time payment notifications delivered to your endpoint the moment a transaction status changes.
Refunds & Reversals
Trigger full or partial refunds from the dashboard or via API. Refund status is tracked and reported automatically.
Multi-Currency
Process payments in GHS, USD, EUR and other currencies. Automatic currency routing based on the gateway selected.
Analytics Dashboard
Track revenue, success rates, failed transactions, and channel performance from one clean merchant dashboard.
SDKs & Plugins
Official SDKs for Laravel/PHP, Node.js, and Python. WordPress and WooCommerce plugins coming soon.
PCI-DSS Compliant
All payment data is handled by certified gateway providers. PaalPay never stores raw card data — your customers are safe.
All the gateways you already trust
PaalPay acts as the bridge between your app and Ghana's most widely-used payment providers.
Hubtel
Mobile Money & card payments for Ghana
Paystack
Cards, bank transfers & mobile money
Flutterwave
Pan-African payments & multi-currency
MTN MoMo
Ghana's largest mobile money network
Vodafone Cash
Vodafone Ghana mobile wallet payments
AirtelTigo Money
AirtelTigo mobile money integration
More gateways added regularly. Request a gateway
Ready to accept every payment?
Stop building separate integrations for each gateway. Integrate PaalPay once and accept payments from everywhere — Mobile Money, cards, and more.
PCI-DSS Compliant · Ghana Data Protection Act · Sandbox available