Empowering global financial freedom

ONLINE AND OFFLINE

At PayCruiser, we connect the unconnected, so that, life can be defined based on one own’s potentials, talents, and aspirations; not by artificial barriers. We do to this through PayCruiser, the world’s first interoperable neobanking platform allowing anyone to use their phone number to pay and get paid around the world.

Master Your Money with Card AI

With PayCruiser AI, you can now control and manage your money across your various accounts, learn more about your finances, discover ways to automatically save money, and pay and get paid anywhere, anytime.

1. Unify Your Finances: Take control of all your accounts in one place, giving you a clear view of your financial landscape.
2. AI-Powered Insights: Gain deep understanding of your spending habits and financial health with intelligent analysis.
3. Smart Savings: Discover effortless ways to boost your savings through AI-driven recommendations.
4. Borderless Transactions: Send and receive money seamlessly, anytime and anywhere in the world.

+1.7M

Registered users

+12k

Payout merchants

+5M

Unique requests per month

+$8M

USD processed per month

+140

countries

Trusted by

Experience the next evolution of financial empowerment with PayCruiser. Our innovative platform allows you to effortlessly move your money across borders, fostering interoperability that transcends geographical limitations. Whether you're banking the unbanked or connecting the disconnected, PayCruiser's visionary approach redefines global financial accessibility, empowering you to shape a world where financial freedom knows no boundaries.

Card AI - The world’s first AI-powered debit card

Card AI scans your receipts and automatically generates profit and loss statements, balance sheets, and income statements. It even gives you insights on how to increase your revenue. It’s like having a financial advisor, personal shopper, and accountant all in your smart AI-powered debit card.

Global Interoperability

Forge a new path to financial freedom: PayCruiser pioneers platform interoperability, allowing your money to flow seamlessly across diverse wallets.

VISA DEBITS CARDS

Empower the unbanked: PayCruiser Visa Prepaid Card transforms digital wallets like Orange Money, Wave, and more into keys for seamless online payments, opening doors to Amazon, Netflix, and beyond.

Global Payments Infrastructure

PayCruiser® streamlines business payments, letting them concentrate on operations while we manage payment tech complexities. Accept diverse payments like cards, digital modes, across web, platforms, social, offline, and in-person – Worldwide. PayCruiser simplifies global business payments, allowing companies to focus on operations while the platform manages payment technology complexities. It provides a streamlined and secure payment solution for businesses, enabling them to accept credit card and digital payments across various channels without any hassle. Additionally, PayCruiser's unique selling point is its focus on prioritizing the security and autonomy of clients' funds, providing peace of mind and convenience. The platform also offers an easy onboarding process, making it convenient for businesses to get started with its services. Furthermore, PayCruiser's mission is to include the unbanked population in the global financial ecosystem, and it has already been successful in West Africa. The platform's innovative technology connects businesses with the 2.7 billion unbanked individuals worldwide, allowing for near real-time fund transfers without exposing customers' bank accounts or credit card information.

All your payment needs with just one device.

We've created the world's 1st all-in-one POS for the unbanked, letting businesses collect payments anywhere, from anyone - no bank or cards needed. Used from remote villages to 5-star hotels like Radisson BLU.

Get paid Online and Offline.

Elevate your transactions using PayCruiser: Effortlessly operational in both online and offline modes, perfect for areas with unreliable internet connections.

PayCruiser® offers streamlined and secure payment solutions for businesses, allowing them to accept credit card and digital payments across various channels (websites, online platforms, social media, offline transactions, and in-person interactions) without any intermediaries. Their unique selling point is that they prioritize the security and autonomy of clients' funds by ensuring direct and secure deposits into their designated bank accounts, providing peace of mind and convenience. By leveraging PayCruiser®'s services, businesses can simplify their payment processes, reduce potential risks, and improve customer satisfaction, all while maintaining control over their finances.

We enable businesses to accept and access money anywhere, anytime. Funds are securely received directly in your bank account. We never touch your funds. Instead, we ensure a direct and secure deposit of the funds into your designated bank account.

Businesses and government organizations use PayCruiser every day to accept payments in areas such as healthcare, real estate, and e-commerce. PayCruiser is a registered trademark at the UNITED STATES PATENT AND TRADEMARK OFFICE.

Personal Experience

Our team has roots, relationships, and personal experience in target markets experiencing issues we are addressing.

Security and Compliance

We're a 'Security First' firm with in-house proprietary microservices, layered on-premise and cloud security, aiding businesses' compliance.

Built for the unbanked

Protecting businesses from theft, fraud & cash management, and meet or exceed Anti Money Laundering (AML) compliances.

Fraud Prevention & AML

Protecting businesses from theft, fraud & cash management, and meet or exceed Anti Money Laundering (AML) compliances.

With this device (the first of its kind), PayCruiser has revolutionized the way merchants accept payments. Say goodbye to juggling multiple payment methods. Paycruiser® offers a single solution to handle all your payments.

The PayCruiser EMV POS terminal is an all-in-one solution for retailers, with built-in printer, cash drawer, barcode scanner, and QR code camera. It supports various payments like cards, mobile money, and PayPal, while being EMV-compliant and secure through encryption. Designed for the unbanked, it enables payment collection from anyone using mobile numbers or wallets, solving financial exclusion and enhancing merchant collections. PayCruiser transforms global finance access, providing simplicity, elegance, and security. A win-win for businesses and individuals, creating a world of inclusive financial services.

Built for the Unbanked

Our team has roots, relationships, and personal experience in target markets experiencing issues we are addressing.

Accept All Credit Cards

Revolutionize payments with PayCruiser's cutting-edge terminal—seamlessly accepting Visa, Mastercard, Amex, and GIM UEMOA cards for unparalleled transaction versatility.

Works Online and Offline

Elevate your transactions using PayCruiser POS terminals: Effortlessly operational in both online and offline modes, perfect for areas with unreliable internet connections.

Accept PayPal Payments

Expand your global reach: PayCruiser terminals now embrace PayPal, seamlessly connecting you to a world of payment possibilities.

QR Payments ? yes we can

Simplify transactions, amplify convenience – PayCruiser terminals lead the way in effortless QR payment acceptance.

PCI/EMV Certified

Elevate security, inspire trust: PayCruiser terminals, proudly PCI/EMV certified for your peace of mind.

Through our PCI Compliant cloud-based payment infrastructure and patent-pending phone pay technology customers can make payments using their phone number as a method of payment (instead of their credit card or bank account)– This enables us to connect businesses and individuals with the world’s 2.7 billion unbanked and underbanked population previously excluded from the global financial ecosystem. PayCruiser is a financially inclusive technology for businesses, the unbanked and underbanked.

Online and On The Go

Start accepting credit card payments from your smartphones, tablets, on your website, or through our simple API, at the lowest rate in the market.

In-Store and Contactless

Transform devices into smart POS, take all card payments. Securely accept major credit/debit/EMV with sleek contactless readers.

Recurring Payments & AI Dashboards

Unleash convenience with PayCruiser: Empowering businesses with automated ease through Recurring Payments.

Voice & Video Payment

Elevate payments to a new dimension: PayCruiser, empowered by AI enable seamless Voice & Video Payments, merging innovation and convenience like never before.

Phone & SMS payments

Send a text, seal the deal – PayCruiser terminals redefine transactions with instant Phone & SMS payments.

Programmable Payments API