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Local payment methods let customers pay in their local currency through bank transfer, mobile money, or instant EFT. Axra mints deposit instructions, tracks the collection, and credits your merchant wallet in USDC when funds settle.

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Supported countries & rails

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How it works

1

Create a collection

Call POST /business/collections from your server, or start a hosted checkout session and let the customer pick a local rail on pay.useaxra.com.
2

Customer pays

Show bank details, trigger a mobile-money prompt, or redirect the customer to an instant-EFT hosted page, depending on the rail.
3

Settle in USDC

Axra detects the inbound payment, runs settlement, and credits your USDC wallet. Confirm completion with collection.completed (or payment_link.session.completed for hosted checkout).

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Integration paths

Hosted Checkout

Redirect customers to pay.useaxra.com — we handle the UI.

Direct API (server-to-server)

Mint deposit instructions from your backend, render them in your own UI.

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Settlement model

Every successful collection settles into your USDC wallet through the same canonical payment chain used for cards and crypto. Axra charges a 1% platform fee on local rails, plus the provider fee for the selected channel.

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Webhooks

Subscribe to collection.* events to drive fulfillment without polling. See Webhooks for signature verification, retries, and sample payloads for collection.created, collection.processing, collection.completed, collection.failed, and collection.expired.