General & Platform
What is Pycer?
What is Pycer?
Pycer is a proprietary, carrier-grade financial switch and multi-brand payment network. As a primary direct service provider, Pycer powers instant mobile money prompts (Pycer Express Prompt), real-time C2B/B2C/B2B settlements, card acquiring, inter-bank transfers, and white-labeled merchant checkouts backed by a double-entry ledger.
How do I log in to the Pycer Developer Portal?
How do I log in to the Pycer Developer Portal?
Navigate to https://pycer.quantivogroup.com/login and sign in with your registered Pycer account email, password, and 2FA code. Once logged in, open Security & Access → Developer Hub (
/admin/developer) or API Keys (/admin/api-keys). See the Developer Portal Guide for details.How does multi-brand isolation work?
How does multi-brand isolation work?
A single Pycer organization can operate multiple isolated merchant brands. Each brand has its own custom checkout domain (
pay.yourbrand.com), active payment rails, staff permissions, API keys, webhook secrets, and double-entry ledger — strictly isolated by merchant_id.What payment rails does Pycer provide?
What payment rails does Pycer provide?
Pycer operates native direct financial rails including Pycer Express Prompt (instant mobile PIN authorization), Pycer Direct PayBill & Till (C2B), Pycer Direct Disbursement (B2C / B2B), Pycer Card Switch (3DS 2.2), Pycer Inter-Bank Switch, Pycer Dynamic QR, and Pycer Direct Messaging & USSD Sessions.
Security & Compliance
How is customer and financial data encrypted?
How is customer and financial data encrypted?
Customer PII (names, emails, phone numbers) and payment rail credentials are encrypted at rest using AES-256-GCM. Account passwords are hashed using Argon2id, administrative sessions support TOTP 2FA, and all outbound webhooks are signed with HMAC-SHA256.
How does Pycer guarantee ledger accuracy?
How does Pycer guarantee ledger accuracy?
Every payment, fee split, refund, and settlement is recorded as balanced debit-credit journal entries using arbitrary-precision
bcmath arithmetic. Built-in balance verification (/admin/balance-verification) and cryptographic audit logs (/admin/audit-integrity) continuously verify ledger invariants.What are the default API rate limits?
What are the default API rate limits?
- Merchant API: 60 requests / minute per API key (configurable per brand in the Developer Hub).
- Login & Auth Gate: 10 attempts / 5 minutes per IP address (strict bucket).
- Global Ingress: 120 requests / minute per IP address. See the Rate Limiting reference for full details.
Developer & API Integration
Which API layers does Pycer expose?
Which API layers does Pycer expose?
Pycer provides three authenticated REST API layers:
- Merchant API (
/api/v1/*) — Create payments, trigger Express Prompts, issue refunds, manage customer wallets, and query transactions. - Mobile API (
/api/mobile/v1/*) — Pair companion devices via JWT + AES session keys and process real-time receipt notifications. - Admin API (
/api/admin/v1/*) — Manage brand templates, operational queues, and platform settings.
How do I test my integration without real money?
How do I test my integration without real money?
Enable Sandbox Mode on your brand’s payment rails and use the test phone numbers, test cards, and webhook simulator documented in Testing & Sandbox Simulator.