Emerging markets, one account.
Collect and pay out locally in 21 countries across Latin America, Africa and Asia. Customers pay with the local methods they already use, payouts go to local bank accounts, and your balance settles in USDT.
- countries covered
- 21
- one settlement currency
- USDT
Recent paymentsIllustrative data, not live transactions
Markets covered, by local time
The 21 countries are placed on a 24-hour ring by local time, updated through the day, for time-zone reference.
Lit band: 9:00–18:00 local time. Indicative business hours only, not service hours.
Latin America 5 countries
- MexicoMXNBusiness hoursOutside hours
- ColombiaCOPBusiness hoursOutside hours
- PeruPENBusiness hoursOutside hours
- BoliviaBOBBusiness hoursOutside hours
- BrazilBRLBusiness hoursOutside hours
Africa 9 countries
- MoroccoMADBusiness hoursOutside hours
- Côte d’IvoireXOFBusiness hoursOutside hours
- GhanaGHSBusiness hoursOutside hours
- NigeriaNGNBusiness hoursOutside hours
- EgyptEGPBusiness hoursOutside hours
- UgandaUGXBusiness hoursOutside hours
- KenyaKESBusiness hoursOutside hours
- TanzaniaTZSBusiness hoursOutside hours
- South AfricaZARBusiness hoursOutside hours
Asia 7 countries
- PakistanPKRBusiness hoursOutside hours
- IndiaINRBusiness hoursOutside hours
- BangladeshBDTBusiness hoursOutside hours
- ThailandTHBBusiness hoursOutside hours
- VietnamVNDBusiness hoursOutside hours
- IndonesiaIDRBusiness hoursOutside hours
- PhilippinesPHPBusiness hoursOutside hours
21 local currencies covered
Customers pay in their local currency using methods common in their market. Each tile is a covered currency; named methods are already connected.
- Latin America
- Africa
- Asia
- MXNMexicoSPEI
- COPColombia
- PENPeru
- BOBBolivia
- BRLBrazil
- MADMorocco
- XOFCôte d’Ivoire
- GHSGhana
- NGNNigeria
- EGPEgypt
- UGXUganda
- KESKenya
- TZSTanzania
- ZARSouth Africa
- PKRPakistan
- INRIndiaUPI
- BDTBangladesh
- THBThailand
- VNDVietnamVietQR
- IDRIndonesia
- PHPPhilippines
Local payment methods already connected
MexicoMXN
SPEI bank transfer
Customers transfer from online or mobile banking to the account shown on the payment page, which also states the exact amount.
IndiaINR
UPI
Customers scan the QR code with any UPI app, or tap the button on the payment page to pay.
VietnamVND
VietQR
Customers scan with any banking app, or transfer manually using the details on the page.
Collection and payout methods for the other countries are confirmed with you, per business, before go-live.
From collection to settlement
Collections, account management, payouts and USDT settlement, arranged in the order money moves, each with its own security controls.
-
01 Collect
Collect the way customers already pay
Customers pay by bank transfer, QR code or e-wallet, the methods they use every day. Our ready-made payment page shows the amount and each step, and works just as well on a phone. Connect your website once, and confirmed payments are credited to your merchant balance.
Popular payment methods
- SPEI
- UPI
- VietQR
- Bank transfer
- E-wallet
- Debit card
Safeguards at this stageEvery payment confirmation sent to your website can be verified as coming from Lakalapay.
-
02 Manage
Balances and ledger in one view
Balances, collections, payouts and every movement of funds in one place, recorded separately for each currency and available at any time.
Safeguards at this stageOptional two-step verification at sign-in, and a record of every balance change.
-
03 Pay out and settle
Pay out locally, or settle in USDT
Local bank payouts
Pay recipients into their local bank accounts, right from your dashboard, no development needed. A payout that ultimately fails is returned to your balance and logged.
Settle your balance in USDT
Your balance is converted to USDT at the settlement rate and sent to an address you have confirmed. Every settlement records the amount, rate and transaction ID.
Safeguards at this stagePayouts can be sent only from systems you have authorised or from your dashboard. Settlements go only to confirmed addresses; a new address needs reconfirmation and a 24-hour waiting period.
Inside the merchant dashboard
Collections, payouts, reconciliation and settlement in a single dashboard. The screens below are an illustrative mock-up; all figures are fictitious.
Overview
- MXN
- INR
- PHP
Available balance
184,250.60 MXNOn hold 3,000.00
Collected today
42,380.00128 successfulPaid out today
15,600.009 successfulCollections, last 7 days
Recent orders
- C8M-4Q7T1,250.00Successful
- H2X-9K3D860.00Successful
- F7N-2P6B2,400.00Awaiting payment
Collections
| Order no. | Amount | Fee | Status | Time |
|---|---|---|---|---|
| C8M-4Q7T | 1,250.00 | 43.75 | Successful | 18:42 |
| H2X-9K3D | 860.00 | 30.10 | Successful | 18:39 |
| F7N-2P6B | 2,400.00 | 84.00 | Awaiting payment | 18:35 |
| D4J-8V1S | 315.50 | 11.04 | Successful | 18:31 |
| M6T-3Z5E | 1,000.00 | 35.00 | Expired | 17:58 |
New payout
4820
If a payout ultimately fails, the amount is returned to your balance.
Daily report
| Date | Collection count | Collected | Fee | Paid out |
|---|---|---|---|---|
| 10-29 | 128 / 141 | 42,380.00 | 1,483.30 | 15,600.00 |
| 10-28 | 119 / 130 | 39,920.50 | 1,397.22 | 12,450.00 |
| 10-27 | 134 / 146 | 44,105.00 | 1,543.68 | 18,200.00 |
| 10-26 | 97 / 108 | 31,760.00 | 1,111.60 | 9,800.00 |
| 10-25 | 102 / 111 | 35,240.00 | 1,233.40 | 11,300.00 |
USDT settlement and address
Settlement address
T•••• •••• •••• 8Xk2ActiveA new address needs reconfirmation, then a 24-hour waiting period.Settlements
| Date | USDT | Rate | Transaction ID |
|---|---|---|---|
| 10-28 | 5,000.00 | 18.42 | 9f3c…e21a |
| 10-21 | 7,500.00 | 18.37 | 4b70…a95d |
| 10-14 | 6,200.00 | 18.51 | c12e…07f3 |
Account security
Two-step verificationOn
Sending a payout and other key actions require the 6-digit code from your authenticator app.Balances per currency
Each currency is recorded separately, never mixed with another.
Every movement on record
Collections, fees, payouts and returns, each with the balance after it.
Two-step code for every payout
Every payout sent from the dashboard needs the 6-digit code from your authenticator app.
Industries we serve
Retail, digital content, platforms, and payouts to individuals and suppliers.
Checkout collections
One-off purchases paid at checkout with local methods.
E-commerce checkout
Accept local payment methods at checkout.
Travel and accommodation
Bus and flight tickets, and accommodation.
Ticketing and events
Tickets, registration fees and merchandise.
Online courses
Courses, tutoring and exam fees.
Digital content and subscriptions
In-game purchases, monthly renewals and pay-per-item content.
Game top-ups
In-game purchases and top-up cards.
Video subscriptions
Monthly memberships and single-title purchases.
Music and audio subscriptions
Subscriptions and downloads.
Software subscriptions
Monthly or yearly subscription fees.
Platforms
Collect from customers, and pay your own partners such as drivers and suppliers.
Ride-hailing platforms
Riders pay fares; the platform pays drivers.
Local marketplaces
Buyers pay; sellers get paid.
Food and local delivery
Collect order payments, then reconcile with merchants.
Local logistics
Collect shipping fees; pay riders and carriers.
Payouts to people and suppliers
Pay creators, freelancers, suppliers and farmers.
Creator payouts
Pay creators per piece or by views.
Freelancer payouts
Pay contractors into their local accounts when the work is delivered.
Cross-border trade payments
Overseas buyers pay in their local currency; you pay suppliers in their market.
Agricultural sourcing
Pay farmers into their own accounts.
Frequently asked questions
Which countries do you cover?
We cover 21 countries today; collection and payout methods are confirmed at onboarding. Latin America: Mexico, Colombia, Peru, Bolivia, Brazil. Africa: Morocco, Côte d’Ivoire, Ghana, Nigeria, Egypt, Uganda, Kenya, Tanzania, South Africa. Asia: Pakistan, India, Bangladesh, Thailand, Vietnam, Indonesia, the Philippines.
What if the country I need isn’t listed?
Tell us where your customers are. We assess new countries and prioritise them by merchant demand.
Why settle in USDT?
Settling 21 countries and 21 currencies in USDT simplifies reconciliation and needs only one confirmed address. Each settlement records the amount, rate and transaction ID.
Will I need technical help?
For collections, your website or app needs to be connected once, usually by your developer or web agency following our guide. Payouts from the dashboard need no setup at all. After that, collections, payouts, reconciliation and settlement are all handled in the dashboard.
How is pricing set?
Rates are set per currency and payment method, typically a percentage of each transaction and sometimes a fixed fee per transaction. We agree them with you before go-live, and every order shows the fees charged.
How do you reduce the risk of misdirected funds?
Payouts can be sent only from systems you have authorised or from your dashboard, and every dashboard payout needs a two-step code. Settlements go only to addresses you have confirmed, and changing an address requires reconfirmation and a 24-hour waiting period. Two-step verification is also available at sign-in.
Can I just send payouts from the dashboard, with no technical setup?
Yes. Enter the recipient and amount in the dashboard and confirm with your two-step code (two-step verification must be set up first). Collections need your website connected once; our ready-made payment page is the simplest way to do it.
Can I export reports?
Yes. The daily report summarises collection and payout counts, amounts and fees by date and currency, and can be exported as a CSV file that opens in Excel. The ledger can be filtered by type and date.
What happens to funds if a payout fails?
Payouts that ultimately fail are returned to your balance. The ledger records the return, and the order shows why the payout failed.
Get started with Lakalapay
Getting started takes three steps:
Discuss your needs
What you sell, where your customers are, and your expected monthly collection and payout volumes.
Account setup
We set up your merchant dashboard and confirm your rates. For collections, your website is connected once, following our guide.
Go live
Track incoming payments in the dashboard, and pay out or settle in USDT as needed.
What you’ll need
- Company name and country of registration
- Website or app URL
- Countries you need