Optimised Acceptance
Routing, retries and acquiring selection to maximise approvals where it matters — across every corridor.
- Dynamic acquiring partner selection
- Automatic retry on soft declines
- Local rail fallback routing
Online Payments
Accept PaymentsOnline, GloballyWith ZeroIntegration Friction
Checkout integrations, card acceptance, chargeback management and reconciliation — built for African businesses selling to global customers.
PCI Compliant
•Global Card Acceptance
•Instant Checkout
Payments live
99.9%
Uptime
3sec
Avg. Checkout
Platform Features
Built for high-performance online payments
Tokenisation, fraud signals, routing and reconciliation — in one integration.
Fraud & Security
Built-in fraud signals, tokenisation and optional 3DS for higher-risk flows to protect every transaction.
- Card tokenisation (PCI out-of-scope)
- Optional 3DS for high-risk flows
- Real-time fraud scoring
Faster Settlement
Optimised settlement rails and reconciliation-ready payouts to close your cash cycle faster across all corridors.
- T+0 settlement on major corridors
- Reconciliation-ready payout data
- Automated cash cycle reporting
Integration & SDKs
Plug in quickly with REST APIs, webhooks and SDKs for common stacks. Tokenise card data to avoid PCI scope.
- REST API with OpenAPI docs
- Webhooks for async status updates
- SDKs for Node, Python and Java
Core Capabilities
Core Capabilities
Use cases, integration tools and reconciliation — for every online business model.
01
E-commerce
Optimised card acceptance, chargeback handling and split settlement for marketplace businesses.
Learn more
02
SaaS & Subscriptions
Recurring billing, tokenisation and retry logic to reduce involuntary churn and recover failed payments.
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03
Marketplaces
Split payments, automated payouts and reconciliation tools for multi-seller platforms.
Learn morePOST /v1/payments
{
"amount": 2500,
"currency": "EUR",
"method": "card",
"card_token": "tok_..."
}
04
API Integration
REST APIs, webhooks and SDKs — integrate online payments into any stack in hours.
Learn more180+
Countries Supported
99.9%
Authorization Rate
<3sec
Average Checkout Time
Testimonials
Trusted by Growing Businesses
Trusted by merchants and enterprises for secure, seamless international money transfers.
Tolu Adeyemi
“Our checkout conversion improved significantly after switching to Pilot Finance — fewer declines, better chargeback handling and the integration took less than a day.
Tolu Adeyemi
CTO, E-commerce Platform
Get started today
Ready to movemoney globally?
Open your Pilot Finance business account today — global payments, simplified. No hidden fees, no slow settlements.
CBN Licensed
•256-bit Encryption
•140+ Currencies
125M+
Successful Payments
24hrs
Average Settlement
140+
Supported Currencies