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Okapay is a full-stack merchant payments platform built for businesses that need to accept money globally, manage recurring revenue, and move funds reliably — without juggling multiple providers. With a single integration you can accept credit and debit cards, digital wallets, cryptocurrency, and local payment rails like PIX and SEPA across 160+ countries and 135+ currencies. Okapay pairs a developer-friendly REST API and PHP SDK with a merchant dashboard that gives you real-time control over products, checkout sessions, invoices, subscriptions, and payouts.

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What you can do with Okapay

Accept Payments

Process one-time payments via a hosted checkout session. Supports cards, wallets, crypto, and local rails globally.

Subscriptions

Automate recurring billing with flat-rate, usage-based, or per-seat pricing. Reduce churn with smart retry and dunning logic.

Invoicing

Create and send branded invoices with embedded one-click payment links, automated reminders, and auto-reconciliation.

Payouts

Settle funds to your bank account on a transparent schedule. Track every payout in the dashboard.

Payment Links

Generate shareable payment URLs in seconds — no code required. Share via email, SMS, or social.

Merchant Dashboard

Manage products, API keys, transactions, subscribers, and analytics in one place at dashboard.okapay.net.

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Supported payment methods

Okapay routes payments across cards, wallets, crypto, local bank rails, and buy-now-pay-later — so your customers always have a familiar way to pay. Okapay supports 135+ currencies and operates in 160+ countries, with smart routing that maximises authorisation rates automatically.

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How it works

1

Integrate the API or PHP SDK

Add Okapay to your backend using the REST API or the PHP SDK (composer require okapay/okapay-php). Create a product and open a checkout session in a few lines of code.
2

Your customer pays via hosted checkout

Okapay presents a secure, PCI-compliant hosted checkout page. Your customer selects their preferred payment method — card, wallet, crypto, or local rail — and completes the payment.
3

You receive your payout

Once the payment is confirmed, the funds are settled to your account. Track the status in the merchant dashboard and schedule payouts to your bank on your preferred cadence.

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Developer-friendly by design

Okapay is built API-first so you can integrate quickly and stay in control. The REST API uses standard HTTP verbs and returns JSON. The official PHP SDK wraps the API with idiomatic PHP methods and handles authentication automatically. Install the PHP SDK with Composer:
Authenticate by setting your secret key as an environment variable:
Then make your first API call:
Okapay infrastructure is certified PCI DSS Level 1 — the highest level in the payments industry — so your customers’ card data is always handled to the strictest security standards. Additional certifications include ISO 27001, SOC 2 Type II, and GDPR compliance.
Ready to start building? Follow the Quickstart to create your account, get your API keys, and make your first test payment in under 10 minutes.