KiviPAY
Manage collections on a single payment infrastructure.
Virtual POS, Soft POS, physical POS and payment links from one place. Run different payment channels and acquirers side by side, route transactions by cost or success rate, and let every collection post itself to the ledger.
Capabilities
One API, every channel
25+
bank & PSP integrations
4
POS channels
2 weeks
typical go-live
24/7
transaction monitoring
💳Virtual POS
Card payments on your own checkout with 3-D Secure, instalments and multi-acquirer support.
📱Soft POS
Turn an Android phone into a card terminal — no extra hardware for field teams and couriers.
🧾Physical POS
Integrated physical terminals with statutory receipt requirements handled.
🔗Payment links
Send a link over WhatsApp, SMS or e-mail; the payment lands matched to the invoice.
🔀Smart routing
Route each transaction to the acquirer with the best cost or approval rate; failover is automatic.
🏢Payouts & B2B
Collect from dealers, split payments and push settlements with full audit trail.
How it works
From payment to ledger entry, without touching a spreadsheet
01AcceptCustomer pays through virtual POS, Soft POS, terminal or link.
02RouteKiviPAY picks the acquirer by cost, instalment plan or approval rate.
03MatchThe payment is matched to the invoice and the customer balance closes.
04PostCommission, settlement date and VAT are written to accounting automatically.
Enterprise
Built for volume and for audits
Orchestration
Multiple PSPs, one contract surface for your product team; switch providers without touching checkout code.
Reconciliation
Settlement files, commissions and chargebacks reconciled against bank transactions daily.
Compliance
PCI-aware architecture, role-based access, full transaction logs and exportable audit reports.
Put your collections on one rail.
Our team maps your current acquirers and channels, then proposes a migration plan with a go-live date.