Accept, track and manage digital payments
Know who paid, how much, and what it was for — all from one dashboard. Mobile money, cards, and bank transfers, one API.
The Problem
Getting paid digitally shouldn't mean losing track of who paid
As a business grows, payments start coming in through mobile money, cards, and bank transfers — each with its own app, its own dashboard, and its own delay. It gets harder to know who paid, what for, and whether the money actually arrived.
How Gemmy Pay Helps
From payment to understanding, in one flow
Step 1
Customer pays
Mobile money, card, or bank transfer — however they prefer.
Step 2
Payment received
Gemmy Pay confirms the transaction the moment it lands.
Step 3
Gemmy tracks it
Every payment is logged with its status — confirmed, pending, or failed.
Step 4
Business understands it
See who paid, how much, and what it was for — from one dashboard.
Product
One dashboard for every payment
Gemmy Pay is the core product — accept, track and manage digital payments. OneGemmy is a set of business tools that connect to your payment data.
Payment Gateway
Gemmy Pay
One API to accept mobile money, cards, and bank transfers. See who paid, how much, and what it was for — all from one dashboard.
- MTN MoMo, Airtel Money, cards
- Bank transfer settlement
- Payment status tracking
- Webhooks & sandbox for developers
Business Tools
OneGemmy
Invoicing, CRM, inventory, and HR tools that read directly from your payment activity — no duplicate entry.
Learn MoreWays to Pay
Built to support how people already pay
Mobile money, cards, and bank transfers — accepted through one API when Gemmy Pay launches.
Why Gemmy Pay
Built around what businesses actually need
Accept payments
Customers have an easier way to pay — mobile money, cards, or bank transfer.
Track payments
See successful, pending and failed transactions the moment they happen.
Understand payments
Know who paid, how much, and what the payment was for.
Stay informed
See all of your payment activity from one place — no switching between providers.
Built for businesses that need to see their payments clearly
Online & e-commerce businesses
A store selling on Instagram or a website that needs to accept mobile money and card payments at checkout.
Growing businesses
A business that has outgrown tracking payments in a notebook or spreadsheet and needs one place to see everything.
Delivery & ride platforms
A platform collecting payments from many customers and paying out to many drivers or riders.
Developers
A team building a payment-enabled app who need a clean API, a sandbox, and clear docs — not a sales call.
For Developers
Built for developers, not just business owners
A REST API, SDKs for 11 languages, webhooks, and a sandbox to test before going live. Read the docs before you talk to sales.
const payment = await gemmy.charges.create({
amount: 45000,
currency: "RWF",
method: "mobile_money",
provider: "mtn",
});Security & Trust
We're early. We're still honest about it.
Gemmy Pay is pre-launch. We won't claim certifications we don't have — here's what we do stand behind today.
Encrypted by default
Payment data is encrypted in transit and at rest, both in our sandbox and in production.
Your data stays yours
We don't sell payment data. It's used to power your dashboard and nothing else.
A real company you can reach
Gemmy Connect Ltd is based at Norrsken House, Kigali, Rwanda. Reach us any time at info@gemmyconnect.com.
Planned pricing — join the waitlist to lock it in
Gemmy Pay hasn't launched yet, so these rates are what we're planning to charge. Waitlist members get founder pricing locked in before public launch.
Starter
For testing and small businesses getting started.
- Sandbox environment
- Up to 500 transactions/mo
- MTN MoMo & Airtel Money
- Visa & Mastercard
- Basic dashboard
- Email support
Growth
For growing businesses processing real transactions.
- Everything in Starter
- Up to 5,000 transactions/mo
- Bank transfers included
- Real-time analytics
- Priority support
- Webhook notifications
- Dedicated account manager
Enterprise
For high-volume businesses and platforms.
- Everything in Growth
- Unlimited transactions
- Volume discounts
- Custom SLA
- 24/7 dedicated support
- White-label ready
- On-premise option
- Cross-border settlement
- Custom integrations
Add-ons
Pay only for what you use
Cross-border payouts
Bulk disbursements
Extra transactions
Premium support
| Payment Method | Starter | Growth | Enterprise |
|---|---|---|---|
| MTN Mobile Money | 2.5% | 1.8% | 1.2% |
| Airtel Money | 2.5% | 1.8% | 1.2% |
| M-Pesa | — | 1.8% | 1.2% |
| Visa / Mastercard | 3.0% | 2.5% | 1.8% |
| Bank Transfer | — | 500 RWF flat | 300 RWF flat |
| Cross-border Settlement | — | +0.5% | +0.3% |
Frequently asked questions
Everything you need to know about our platform.
Latest news & insights
Thoughts on payments, financial education, and building for Africa.
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Let's build together
Ready to simplify payments for your business? Fill out the form and our team will get back to you within 24 hours.
Get Started
Ready to see every payment in one place?
Join the waitlist to get early access and founder pricing when Gemmy Pay launches.