The Non-Custodial Crypto Payment Gateway · Automatic Clearing to African Bank Accounts or Self-Custody Wallets
Accept Crypto Anywhere. Withdraw to Your Bank or Crypto Wallet.
LAGOS & NAIROBI — NON-CUSTODIAL GATEWAY
“The dedicated crypto payment checkout enabling businesses to collect USDC and USDT seamlessly, with automated withdrawals to African bank accounts or direct on-chain wallets.”
RailPay is built specifically as a frictionless crypto checkout gateway. When your customers and buyers pay for software, goods, or digital services online, they pay directly in USDC or USDT using any standard web3 wallet or exchange transfer.
As a merchant, you hold complete control over how you withdraw your funds. Choose Direct Bank Withdrawal to receive instant payouts in Naira (NGN 🇳🇬), Kenyan Shillings (KES 🇰🇪), Ugandan Shillings (UGX 🇺🇬), or Tanzanian Shillings (TZS 🇹🇿) straight into your business bank account or mobile wallet—or choose Crypto Wallet Withdrawal to sweep native stablecoins directly to your self-custody cold storage.
SETTLEMENT VOUCHER
Switch withdrawal destinations above to simulate bank or crypto wallet payout.
Four Direct Bank & Mobile Money Corridors
Choose direct bank withdrawal to disburse customer crypto payments straight into your local account, or opt to keep crypto in your own wallet.
Nigerian Naira
Federal Republic of Nigeria
Accept crypto globally and receive instant automated Naira payouts into your corporate bank account. Eliminates the friction, delays, and account freeze risks of informal P2P exchange trading.
“Direct corporate bank settlement without P2P risk or manual reconciliation.”
Kenyan Shilling
Republic of Kenya
Collect USDC/USDT from international clients and disburse directly into Safaricom M-Pesa business wallets or Kenyan bank accounts with real-time SMS payment confirmations.
“Enables Nairobi companies to accept crypto and withdraw in Shillings in seconds.”
Ugandan Shilling
Republic of Uganda
Bypass costly wire intermediaries and manual conversion hurdles. Incoming crypto settles directly to national mobile money wallets or commercial Ugandan accounts.
“Unlocks instant crypto checkout for Kampala tech businesses and exporters.”
Tanzanian Shilling
United Republic of Tanzania
Protects merchants from costly double-conversion FX penalties. Customers pay in stablecoins and merchants receive clean, mid-market TZS settlements automatically.
“Zero forex loss when receiving crypto from global clients and withdrawing to TZS.”
Calculate Your Crypto Withdrawal Payout
Simulate incoming USDC/USDT customer payments and see the exact net payout deposited to your bank account or crypto wallet.
Checkout Volume
Select estimated monthly crypto payments collected from customers.
Deterministic On-Chain Architecture
A decoupled B2B architecture: Merchant Integration, Gateway Daemon, and Isolated Remote Signer.
curl -X POST https://api.railpay.network/v1/payment_intents \
-H "Authorization: Bearer sk_live_89a0f4c2e17d" \
-H "Content-Type: application/json" \
-d '{
"amount": "150.00",
"currency": "USDC",
"network": "arc",
"payout_destination": {
"type": "bank_account",
"corridor": "NGN",
"account_number": "0123456789",
"bank_code": "058"
},
"customer_email": "buyer@lagostech.ng",
"metadata": {
"order_id": "INV-2026-9041"
}
}'{
"id": "pi_9f82d1c4a037",
"object": "payment_intent",
"amount_usd": "150.00",
"inbound_currency": "USDC",
"inbound_token": "0xfffffffffffffffffffffffffffffffffffffffe",
"network": {
"name": "Arc Mainnet",
"chain_id": 5042
},
"settlement": {
"currency": "NGN",
"rate": "1366.51",
"estimated_payout": "203951.62",
"rail": "NIBSS_INSTANT_PAYMENT",
"destination": "0123456789 (GTBank)"
},
"status": "pending",
"deposit_address": "0x8F9aC2849e7C4D0A2f1b88e079Bf98cE7824B2e",
"created_at": 1791880512
}Comparing Crypto Payment Methods
How RailPay compares to custodial crypto gateways and manual address sharing with informal P2P trading.
| CAPABILITY | RAILPAY CHECKOUT | CUSTODIAL GATEWAYS | MANUAL ADDRESSES & P2P |
|---|---|---|---|
| Direct African Bank Withdrawal (NGN, KES, UGX, TZS) | Automated (< 30 sec) | Not supported (Crypto only) | Requires risky manual P2P trading |
| Direct Self-Custody Crypto Wallet Sweep | Supported (Automated) | Held in platform custodial account | Manual wallet reception |
| Bank Account Freeze Risk | Zero (Licensed clearing rails) | N/A (No bank settlement) | High (Banks flag personal P2P accounts) |
| Customer Checkout Experience | Direct deposit session (< 400ms) | Requires platform account / sign-in | Manual address copy-paste & email receipt |
| Gateway Fee Structure | 0.5% Flat Transparent | 1.0% - 2.5% + withdrawal cut | 2.0% - 5.0% P2P exchange slippage |
| Developer REST API & Webhooks | Automated /v1/payment_intents | Complex multi-step integration | No API (Manual spreadsheet tracking) |
| Custody & Sovereign Control | Non-custodial signer daemon | Third-party custodial platform | Self-custodial (manual operations) |
Frequently Asked Questions
Essential details regarding crypto checkout, bank withdrawals, wallet sweeps, and non-custodial security.
RailPay is a dedicated crypto payment gateway for internet businesses, merchants, and digital platforms. It allows your customers to pay in stablecoins (USDC/USDT), while giving you the choice to withdraw funds directly into your local bank account (NGN, KES, UGX, TZS) or sweep directly into your own external crypto wallet.