Welcome to Pycer — the proprietary, carrier-grade financial switch and payment network that powers instant mobile money debits, real-time inter-bank transfers, card acquiring, and multi-brand merchant settlement. As a primary direct service provider, Pycer routes transactions directly across its switching infrastructure with microsecond double-entry ledger integrity. Pycer provides a unified platform for enterprises, financial institutions, and merchants to accept payments, automate disbursements, issue electronic invoices, and manage multiple isolated merchant brands from a single command console.

Core capabilities

Direct Pycer Financial Rails

Accept instant mobile prompts, direct merchant paybill/till collections, card payments, and real-time bank transfers directly on Pycer rails.

Multi-tenant merchant brands

Operate isolated merchant brands — each with its own settlement rails, custom domain, branding, staff roles, API keys, and dedicated ledger.

Double-entry financial ledger

Every collection, fee split, hold, and disbursement is recorded as balanced debit-credit journal entries with bcmath precision.

Developer Portal & Sandbox

Sign in with your Pycer account to generate live/sandbox API keys, test interactive payment prompts, and replay webhooks in real time.

Quickstart

Onboard your merchant brand, generate API credentials in the Developer Portal, and process your first payment in under 5 minutes.

API Reference

Integrate payments, disbursements, refunds, and mobile device verification using Pycer’s Merchant, Mobile, and Admin REST APIs.

Pycer Financial Rails

Explore Pycer Express Prompt (instant mobile PIN debit), C2B/B2C/B2B settlements, Dynamic QR codes, and direct messaging/USSD APIs.

Platform Features

Discover the full enterprise feature suite — white-label checkout domains, automated reconciliation, RBAC, and cryptographic audit trails.

What sets Pycer apart

  • Primary Direct Service Provider — All payment prompts, mobile wallet settlements, inter-bank transfers, and messaging sessions terminate directly on Pycer’s high-availability switching core.
  • Carrier-Grade Security & Encryption — Customer PII and financial credentials are encrypted at rest with AES-256-GCM, authenticated via Argon2id & TOTP 2FA, and verified on every webhook with HMAC-SHA256.
  • Real-Time Double-Entry Accounting — Built-in statutory ledger with immutable debit/credit journal invariants, automated fee allocation, and cryptographic balance verification.
  • Sovereign White-Label Domains — Serve branded checkouts on custom merchant domains (pay.yourbrand.com) with automated DNS verification and TLS provisioning.
  • Unified Developer Portal — Log in directly with your Pycer account at https://pycer.quantivogroup.com/login to manage keys, inspect live API logs, and simulate transactions.

Choose your path

Merchant & Business Owner

Set up your brand, create payment links or invoices, and track real-time settlements in your dashboard.

Application Developer

Authenticate with the Pycer Developer Portal, integrate our SDKs, and subscribe to real-time webhook events.

Enterprise Architect

Understand Pycer’s switching topology, double-entry ledger invariants, and multi-brand isolation model.

Extension & Mini-App Builder

Build custom payment modules, checkout themes, and workflow extensions on the Pycer runtime.