Payou

Coverage

Cards everywhere. Local methods where they win.

Card processing is table stakes. Conversion in emerging markets comes from the methods a payer already trusts — bank transfers, mobile money, vouchers and instant rails.

33 countries live
200 currencies and payment methods

Method families

Every family is exposed through the same payment object. Switching a market on is configuration, not a new integration.

Card processing

Visa and Mastercard acquiring through licensed partners, with 3-D Secure 2 and network tokenisation.

Bank transfers

Instant and batch account-to-account rails, including SEPA in Europe and domestic instant schemes elsewhere.

Mobile money

Wallet rails that carry the majority of consumer volume across large parts of Africa.

Local alternatives

Vouchers, cash-in networks and country-specific instant methods where cards under-convert.

Regions

Each region is served through licensed partner institutions. The layer decides which corridor a transaction takes.

  • Europe

    Card acquiring plus SEPA and domestic instant transfers across the single market.

  • United States

    Card acquiring with issuer-aware routing and ACH for account-to-account flows.

  • Latin America

    Instant payment schemes, vouchers and card acquiring tuned to local approval behaviour.

  • Africa

    Mobile money and bank rails in the markets where wallet penetration exceeds card penetration.

  • CIS

    Card acquiring and local transfer rails, subject to sanctions and jurisdiction screening.

Markets with local payment methods available

Market availability is contractual

Available methods and regions depend on your business model, licensing constraints and the underwriting outcome for your account. Talk to us with your target markets and we will confirm what is live for your profile.