One financial core for every way money moves.
MyroPay Technologies builds the wallets, checkout, business tools, point of sale, ERP and investing apps that people and companies use every day, all connected through one payments core and built to cross borders.
Nine connected products across personal finance, commerce, operations and investing. Pick one, or grow into all of them.
Select a product to explore it.
Hold, send and settle in eight currencies.
Nine products, one payments core.
Each product stands on its own and gets stronger next to the others. Sign in to your MyroDeck ERP from MyroPay Business, take payments through checkout, pay staff from your wallet and invest what's left.
The infrastructure you never have to think about.
Underneath every product sits the same wallets, currency conversion, identity checks and reconciliation. It's why a payment taken at a till, a transfer in chat and an invoice paid online all end up in the same place.
Products
What people and businesses use
MyroPay core
Wallets and ledger, currency conversion, identity and compliance, escrow, webhooks
Payment, banking and data integrations
The rails the core connects to
One set of accounts, many wallets
Balances, transfers, escrow holds and payouts run against the same wallet accounts, so what the app shows is what your reports show.
Currency conversion built in
Exchange rates sync automatically, with per-currency margins managed centrally. Buyers can pay in their own currency while you're credited in yours.
Compliance that follows the country
KYC and KYB requirements, tier limits and beneficial-owner rules come from one country-aware configuration, so each market gets the right checks. Sensitive identity fields are encrypted with AES-256-GCM.
Reconciliation that runs itself
Scheduled jobs reconcile deposits and virtual-account credits, expire stale payments, auto-release escrow and retry failed webhooks on a backoff schedule, without anyone watching a queue.
One key pair. The whole platform.
Deposits, escrow, payouts, wallets, invoices, subscriptions and checkout all sit behind a single credential. Integrating MyroPay means one setup, in Node.js, Python, PHP or Ruby, or plain HTTP.
Response
Public and secret keys, test and live
Use the pk_ key in the browser and keep the sk_ key on your server. Test keys let you build the full flow before a real naira moves.
Scoped per app
Limit each app to only the scopes it needs, allow-list its IP addresses, rotate secrets, and give each app its own webhook endpoint.
Signed, retried webhooks
Events for payments, payouts, escrow, invoices and subscriptions are HMAC-SHA256 signed and retried after 1 minute, 5 minutes, 30 minutes, 2 hours and 24 hours.
Safe to retry
Send an idempotency key on any financial write. Repeats within 24 hours return the original response instead of moving money twice.
Four official SDKs, one line to install
npm install myropay-node · pip install myropay · composer require myropayme/myropay-php · gem install myropay
Money that crosses borders without a second account.
MyroPay is built in Lagos for the corridors between Africa, the United Kingdom, the European Union and North America. Wallets hold eight currencies, and onboarding adapts to where you are.
How a cross-currency checkout payment settles
Pay from a wallet
The buyer's wallet is debited in their own currency, converted from the session currency at MyroPay's current rate. You're credited the full session amount.
Pay by card
For sessions outside naira, the card is charged in NGN at MyroPay's rate, and the checkout page says so before card details are entered. You still receive the full session value, and the conversion isn't passed on to you as a fee.
Pay by bank transfer
Naira sessions can be paid by transfer to a virtual account. A real NUBAN account can't exist in another currency, so other currencies use wallet or card.
Security you can inspect, not just trust.
These are the controls that ship in the products today. Each one is something you can switch on, see or test.
Passkeys and biometrics
Sign in with WebAuthn passkeys or your device's biometric unlock instead of a password alone.
Authenticator-app 2FA
Time-based one-time codes protect sign-in, and chat re-locks behind 2FA after 15 idle minutes.
Transaction PIN
Money leaves only after the account holder enters their own PIN. It's never a server credential.
Device and session control
See every signed-in device and end any session, or all of them, whenever you like.
Locked-down API keys
Scopes, IP allow-lists, rate limits and rotation per app. An API key can never mint or reveal another key.
Verified webhooks and retries
Every delivery carries an HMAC signature to verify, and financial writes accept idempotency keys.
Features, limits and verification requirements vary by country and account tier. Investment products carry market risk.
Built for organisations with more than one branch, team or product.
Whether you run twelve pharmacies, a marketplace or a platform that pays out to thousands, the same building blocks scale: roles, locations, per-app credentials and a payments core that keeps everything reconciled.
Many locations, one view
MyroDeck runs from a single shop to unlimited locations, with profit and loss per branch or consolidated across the group.
Roles and approvals
Team roles in MyroPay Business, plus role-based access and purchase-order approval chains in MyroDeck, so the cashier sees the till and not the ledger.
Accountability at the counter
In Nigeria, every till has its own login and its own virtual account. Staff see only their own transactions, while managers see each till's performance.
Credentials per integration
Each app gets its own key pair, scopes, IP allow-list and webhook endpoint, so one team's integration never shares a secret with another's.
Connected sign-in
Move from MyroPay Business into MyroDeck with single sign-on, and link MyroVest to your MyroPay wallet.
Onboarding and support
MyroDeck Enterprise includes dedicated onboarding and priority support.
Built by Lexx Corporate Limited
MyroPay Technologies is developed by Lexx Corporate Limited, a Lagos-based technology and strategic consultancy that builds proprietary products across fintech, digital health, rental and ecommerce for African markets.
Questions before you start.
Who is MyroPay for?
Which currencies and countries are supported?
How do I start accepting payments?
Do the products share one account?
Is MyroVest open to everyone?
How is my money and data protected?
Which SDKs are available, and how do I install them?
npm install myropay-node), Python (pip install myropay), PHP (composer require myropayme/myropay-php) and Ruby (gem install myropay). Each wraps the same REST API, so charges, wallets, payouts and webhooks work the same way regardless of language. Source and examples are on GitHub at github.com/myropayme.Start with one product. Add the rest when you need them.
For yourself
A multi-currency wallet with savings, budgets, bills, cards and a chat assistant.
Open a walletFor your business
Collect payments, invoice customers, run payroll and manage tills. Add MyroDeck for the full back office.
Open a business accountFor your product
Get a key pair from your business dashboard and take your first test payment in minutes.
Read the docs