Integrations & payout rails
16 payout rails across 38 countries — pick the one that lands fastest for you.
Every gift card on WePesa can settle to mobile money, an instant central-bank rail, a local bank account, or a stablecoin wallet. Here's the whole map, with real speeds and real ceilings.
At a glance
What the network looks like today.
Live rails
16
Countries
38
Median payout
92s
Settlement success
99.4%
Africa
Mobile money first. Bank rails as the fallback when wallet limits cap out.
M-Pesa
LiveKenya, Tanzania — Safaricom & Vodacom
Typical settle: 30–90s →
MTN MoMo
LiveGhana, Uganda, Rwanda, Cameroon
Typical settle: 60–120s →
Naira banks & wallets
LiveOPay, PalmPay, Moniepoint, GTBank, Kuda
Typical settle: 30s–10min →
Vodafone Cash / AirtelTigo
LiveGhana secondary wallets
Typical settle: 1–3 min →
LatAm
Instant central-bank rails. No intermediary bank days, no wire fees.
South Asia
UPI for speed, IMPS for size, stablecoins when neither fits.
Crypto & global
Dollar-denominated payouts that ignore local FX and banking hours entirely.
USDT (TRC-20)
LiveTron — cheapest, default for most sellers
Typical settle: ≈30s →
USDC (Base, Polygon)
LiveL2 payouts for DeFi users
Typical settle: ≈45s →
USDT (ERC-20)
LiveFor exchanges that only accept Ethereum
Typical settle: 3–5 min →
Virtual USD card top-up
BetaSpend gift-card value online anywhere
Typical settle: 1–2 min →
Side by side
Speed and ceiling, rail by rail.
| Rail | Region | Median settle | Practical ceiling | Rail fee |
|---|---|---|---|---|
| M-Pesa | Kenya | 45s | KES 250,000 / day | Absorbed |
| MTN MoMo | Ghana | 80s | GHS 15,000 / day | Absorbed |
| OPay / PalmPay | Nigeria | 40s | ₦10M / day (BVN) | Absorbed |
| PIX | Brazil | 50s | No practical cap (day) | Absorbed |
| SPEI | Mexico | 6 min | MXN 400,000 / day | Absorbed |
| UPI | India | 60s | ₹100,000 / day | Absorbed |
| USDT TRC-20 | Global | 30s | Unlimited | Gas covered |
Brand coverage
800+ brands accepted into every rail above.
Marketplace
- · Amazon (US, UK, DE, CA, AU)
- · eBay
- · Walmart
- · Target
- · Best Buy
- · AliExpress
Gaming
- · Steam
- · Razer Gold
- · PlayStation
- · Xbox
- · Nintendo eShop
- · Roblox
- · Google Play
Digital & media
- · Apple / iTunes
- · Netflix
- · Spotify
- · YouTube Premium
- · Audible
Everyday
- · Starbucks
- · Uber & Uber Eats
- · DoorDash
- · Sephora
- · Nike
- · Airbnb
Full brand list and live rates live in the catalog.
For builders
One endpoint, any rail.
POST /v1/payouts
bash
curl https://api.wepesa.com/v1/payouts \
-H "Authorization: Bearer $WEPESA_API_KEY" \
-H "Idempotency-Key: trade_8f21c" \
-d rail=mpesa \
-d destination=254712345678 \
-d source_card=amazon_us \
-d face_value_usd=100
# => { "id": "po_9Kx", "status": "queued", "rail": "mpesa",
# "quote_locked": "KES 12,180", "eta_seconds": 60 }FAQ
Integration questions we get most.
How do you decide which rail a payout uses?+
You pick it. We default to the fastest rail available in your country for the amount you're cashing out, but every quote screen lets you switch — including to USDT if you'd rather skip local currency.
What happens if a rail goes down mid-trade?+
Your card stays in escrow and the payout auto-queues. When the rail recovers we retry at the locked rate — you never absorb an FX move caused by our downtime. If the outage runs past 6 hours we offer a switch to an alternate rail or a full card return.
Do you support business payouts?+
Yes. Hub accounts can settle to corporate bank accounts on every bank rail listed, with batched CSV statements for accounting.
Can I get API access?+
Verified Hub accounts get sandbox keys same-day and production keys after a volume review. Payout webhooks are signed and idempotent.
Which rail is cheapest for me?+
All rail fees are absorbed on the rails marked as such — the difference is speed and ceiling, not cost. USDT is the best fit when local FX is moving against you.
Cash out on the rail that suits you.
Lock a quote in your own currency — or take USDT and skip local FX entirely.