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One API for every rail

Create orders, quote FX, pay out and collect with the same objects in every market, whether funded in fiat or stablecoins. Every state change arrives as a signed webhook.

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StyleREST and JSON
AuthKeys per environment
EventsSigned webhooks
SandboxFull test environment

Your first payout.

One call creates the order. Webhooks tell you when it has settled.

curl https://api.elementpay.net/v1/payouts \
  -H "Authorization: Bearer $EP_KEY" \
  -d amount=2500 \
  -d source_currency=USDC \
  -d destination[country]=KE \
  -d destination[rail]=mpesa \
  -d destination[phone]=+254712345678
WEBHOOK EVENTS · ORDER ord_8f3c21
order.created2,500 USDC → KES, M-Pesa09:41:02
quote.locked1 USDC = 127.46 KES09:41:02
payout.routedSafaricom M-Pesa · Kenya09:41:05
payout.settledKES 318,650 delivered09:41:36

What's included.

01OrdersOne object for collections and payouts, whatever the rail.
02QuotesRequest a rate, lock it, then confirm.
03Stablecoin sourcesFund an order from USDC or USDT with one field.
04WebhooksCreated, routed, settled or reversed.

Works well with.

PlatformMerchant dashboard →Collections, payouts and approvals in one place.ProductsPayments →Pay out to 20 African countries.ProductsAgentic payments →Let AI agents pay, within your rules.

Get on the rails.

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