Payout infrastructure · A Loadcircle Ltd product

Operator-grade payouts and treasury, on top of every rail.

One API across banks, mobile money, and stablecoins. Collect globally, pay out across Africa, settle in digital dollars.

Start with the POC View API docs
Collect · USD / EUR / GBP Pay out · Banks + M-Pesa style mobile money Settle · USDC / USDT
24/7Hermes first-line support
24h / 48hKenya / UK escalation SLA
USD · EUR · GBPGlobal account coverage
HMAC-SHA256Signed webhook events

Who builds PayCircle

Operators, building for operators.

PayCircle is built and operated by Loadcircle Ltd, a UK-registered company running a portfolio of payments and verification platforms. We ship the same controls we demand from our own providers.

Talk to the team

The problem

Moving money into Africa is still an operator's nightmare.

Three structural failures compound at every corridor.

Cross-border payouts are slow and opaque

Correspondent chains, silent failures, and pricing built for incumbents. No status until money doesn't arrive.

Mobile money doesn't interoperate

Mobile wallets and bank rails live in separate worlds. Every corridor is a bespoke integration.

FX fragmentation breaks treasury

Balances scattered across currencies and providers make exposure a spreadsheet exercise, not a control.

The solution

A unified payout and treasury layer. One API, every rail — banks, mobile money, stablecoins, and global accounts.

Features

Everything between collect and settle.

Built for platforms paying suppliers, contractors, and partners across African corridors.

Global accounts

Hold and collect in USD, EUR, and GBP with local account details for your platform.

African bank + mobile money payouts

Local bank rails and mobile money networks, routed per corridor for cost and reliability.

Digital dollar wallets

USDC and USDT settlement for instant, borderless value transfer between entities.

Treasury dashboard

Balances, sweeps, and FX exposure in one operator view. Margin sweeps automated to treasury accounts.

Support ladder

Hermes resolves first line 24/7. Kenya call centre takes over at 24 hours. UK escalation at 48 hours. Deterministic, auditable.

Webhook-driven reconciliation

Signed Suby events, idempotent processing, replay-safe payout state. Every state change confirmed, every time.

How it works

Live in three steps.

No correspondent banking relationships required on your side.

  1. Connect

    Register, complete KYB, receive API keys and webhook secrets. Sandbox first, production when ready.

  2. Route

    Submit a payout. PayCircle selects the cheapest compliant rail per corridor automatically.

  3. Settle

    Funds land on the destination rail. Signed webhooks confirm every state change end to end.

For operators

Built to run under your brand.

PayCircle is infrastructure, not a consumer app. Platform teams ship payout products without becoming payments companies.

Read the API docs

Compliance

Controls regulators and partners ask about first.

KYB on every merchant

Know Your Business verification gates the first payout. No exceptions, no shadow merchants.

Append-only audit trail

Auth, payout, and treasury actions recorded immutably. Content-hashed, replayable evidence.

HMAC-signed webhooks

Every inbound event carries an HMAC-SHA256 signature over the raw body. Unsigned events are rejected at the edge.