NewMboka: real business bank accounts, cards and payouts in one web app. Visit mboka.finance →
ElementPayTalk to sales
Cross-border payment infrastructure for businesses

Money should move
like messages

ElementPay helps businesses collect, pay out, convert and hold money across Africa and global markets, on mobile money, bank rails and stablecoins.

Talk to salesSee the platform
+ KES 84,000M-Pesa
+ $2,400ACH
+ ₦1.25MBank
GHS 9,800MoMo
¥ 52,000Bank
UGX 3.1MMTN
Collections inPayouts out

Collections in, payouts out.

30 rails and networks, one connectionMobile money · bank rails · stablecoins and chains
Mobile moneyM-PesaVodacom M-PesaMTN MoMoAirtel MoneyOrange MoneyWaveMoov MoneyFree MoneyTelecel CashAT MoneyMixx by YastelebirrZamtel KwachaTNM Mpambae-MolaMobile moneyM-PesaVodacom M-PesaMTN MoMoAirtel MoneyOrange MoneyWaveMoov MoneyFree MoneyTelecel CashAT MoneyMixx by YastelebirrZamtel KwachaTNM Mpambae-Mola
Bank railsPesaLinkNIBSS Instant PaymentGhIPSSSouth African EFTACHSEPAFaster PaymentsSWIFTStablecoins and chainsUSDCUSDTStellarTronEthereumBaseSolanaBank railsPesaLinkNIBSS Instant PaymentGhIPSSSouth African EFTACHSEPAFaster PaymentsSWIFTStablecoins and chainsUSDCUSDTStellarTronEthereumBaseSolana

One platform, three ways in.

Finance, operations and product teams work on the same rails, the same balance and the same records.

01 · Mboka · for finance teams

Real business bank accounts, cards and payouts.

A web app that gives your company bank accounts in its own name, cards for online spend, and payouts to suppliers and staff.

Accounts in your nameLocal account details per currency.
CardsFor ads, software and suppliers.
PayoutsTo mobile money and banks.
Visit mboka.finance →
Image
Kenya shilling accountLocal bank · Nairobi
KES
Account nameACME TRADING LTD
Account number0100 •••• 4471
SWIFT / BIC••••KENA
Image
US dollar accountUS partner bank
USD
Account number•••• 9982
ACH routing026•••••9
02 · Merchant dashboard · for operations teams

Collections, payouts and approvals in one place.

Collected
$128.4k
Paid out
$96.2k
To approve
3
CSV
october-payouts.csv250 recipients · 6 countries
Explore the dashboard →
03 · ElementPay API · for product teams

Build payments into your own product.

POST /v1/payouts
{ "amount": 1000, "currency": "KES",
  "rail": "mpesa", "reference": "INV-208" }
→ webhook: payout.settled
Explore the API →

Holding stablecoins? The ElementPay dApp handles USDC and USDT on- and off-ramps.

Everything your money needs to do.

Use one product or combine them. They share the same balance and business verification.

01PaymentsCollect and pay out on local rails.Mobile moneyBank payoutsPayment links02Settlement and FXConvert and settle between currencies.Rate locked before you confirmUSD · EUR · GBP · CNY03StablecoinsUSDC and USDT into and out of local currency.On- and off-rampsFund payouts04OTC deskLarge FX and liquidity, quoted directly.Firm quotesNamed contact05Accounts and treasuryHold the currencies you earn and spend.30 currenciesStatements on demand06Agentic paymentsPayments made by software, within your rules.BudgetsHuman approvalAudit trail

Built for how your business moves money.

Financial services
Financial institutions→Banks, MFIs and PSPsFintechs and wallets→Cash-in and cash-out for your usersRemittance companies→Delivery to mobile money and banks
Commerce
Global merchants→Local payment methods in new marketsPlatforms and marketplaces→Mass payouts and collectionsCross-border traders→FX and settlement for importers and exporters
Organisations
Growing businesses→Payroll, suppliers and invoicesNGOs and aid→Bulk disbursements with an audit trailAI agents→Programmable payments within set policies
Why ElementPay

Built for teams that need control.

ElementPay is a financial technology company, not a bank. Banking services are provided by licensed partner institutions, and every customer goes through business verification.

How we protect funds →

One integration

One platform for every market and rail we cover.

Pricing upfront

The rate and fee are shown before you confirm.

Every payment traceable

Your reference and a status on every payment.

Approvals built in

Decide who can create and release payments.

Where your money can go.

Payouts in 20 African countries. Bank accounts in 30 currencies. Full coverage →

Kenya flagKenyaMobile money and bank payoutsKESUganda flagUgandaMobile money and bank payoutsUGXTanzania flagTanzaniaMobile money and bank payoutsTZSRwanda flagRwandaMobile money and bank payoutsRWFEthiopia flagEthiopiaMobile money and bank payoutsETB

From the blog

All articles →
StablecoinsStablecoin off-ramps in Africa: turning USDC and USDT into mobile moneyRead the guide →Settlement and FXPaying suppliers in China from Nigeria, Ghana and KenyaRead the guide →PayoutsMass payouts to mobile money: a guide for platforms and marketplacesRead the guide →

Questions.

Something else? Visit the help centre or talk to our team.

ElementPay is payment infrastructure for businesses. You can collect, pay out, convert and hold money across mobile money, bank rails and the USDC and USDT stablecoins on one platform.

Get on the rails

Leave your work email and tell us what your business needs. We'll scope your markets with you and walk you through going live.