What is the EnOpSy Payment Gateway Hub?

It is a connected hub inside EnOpSy that lets a business discover, configure and manage global and local payment gateways, digital wallets and mobile money providers from one place.

Can I select payment gateways by country?

Yes. You can filter the payment directory by country to see which global and local providers are commonly used in that market.

Does EnOpSy support local payment gateways?

Yes. Alongside global processors such as Stripe and Adyen, EnOpSy supports local gateways and mobile money providers for many countries.

Can EnOpSy connect to Chapa in Ethiopia?

Yes. Chapa is listed as a local gateway option for Ethiopia, subject to Chapa's own approval and onboarding process.

Can EnOpSy connect to Razorpay and PhonePe in India?

Yes. Razorpay and the PhonePe Payment Gateway are both listed as options for the Indian market, alongside other local and global providers.

Does EnOpSy support mobile money services?

Yes. Mobile money providers such as M-Pesa are listed for supported countries, mainly across East and West Africa.

Can I request a custom payment integration?

Yes. If a provider you need is not yet listed, you can submit a request for a custom integration.

Does EnOpSy process payments directly?

No. Payment processing is completed by the connected third-party providers themselves. Availability, approval and supported features depend on the provider, the country and that provider's own rules.

EnOpSy Payment Gateway Hub

Everything In The Hub

One hub for every way
your customers pay.

Global gateways, local rails, and the routing logic to connect them — all managed from one screen, with no per-gateway code to maintain.

Automatic

Smart Payment Routing

Route by customer country, business country, currency, method, amount, or risk score. Set the rule once — every matching payment follows it.

Ethiopia + ETB → Chapa, India + UPI → PhonePe
Priority ordering with primary & backup
Test a rule before it goes live

Rule-based routingSee it in action

Zero downtime

Automatic Gateway Failover

If a primary gateway times out or goes down, the payment retries on your backup gateway instantly — the customer never sees the failure.

Retries on timeout, outage, or unsupported method
Never retries fraud-blocked or duplicate-risk charges
Full failover log, per transaction

99.9% effective uptimeSee it in action

Local + Global

Every Local Payment Method

Cards and wallets alongside UPI, mobile money, QR, and bank transfer — enabled per gateway, per country, without a separate integration.

UPI, M-Pesa, Telebirr, mada, PayNow, GCash, Pix
Buy Now Pay Later & installments where supported
Payment links, invoices & QR codes

20+ method typesBrowse methods

Approval rules

Refunds, Disputes & Chargebacks

Full or partial refunds with approval thresholds, plus a dedicated workspace to challenge disputes with evidence before the deadline.

Multi-step refund approvals by amount
Accept or challenge disputes with evidence upload
Full customer notifications, automatically

Finance-Admin controlledLearn more

Auto-matched

Settlements & Reconciliation

See every settlement per gateway — expected vs. actual, fees, refunds, and net amount — and auto-match against uploaded gateway reports.

Upload a settlement report, get instant matching
Unmatched transactions and differences surfaced
Synced straight into EnOpSy INEX Accounting

INEX-connectedLearn more

Bank-grade

Security & Compliance

Encrypted credentials, signed webhooks, idempotency keys, and strict separation of test and live environments — by design, not bolted on.

Never stores full card numbers, CVV, or PINs
Role-based access, 2FA, and full audit logs
Webhook signature verification on every event

PCI-readyLearn more

Payment Gateway Directory

Find payment options
for every market.

Select a country to see global and local payment providers that may be used in that market.

54 payment options found for All Countries

Swipe to view more details

Payment gateways, digital wallets and mobile money providers by country
Gateway	Type	Available In	Payment Methods	Currencies	Settlement	Integration
Stripe	Global Gateway	Global	Cards, wallets, bank payments	Multiple currencies	Based on country	Available
PayPal	Global Gateway	Global	Wallet, cards	Multiple currencies	Based on country	Available
Adyen	Global Gateway	Global	Cards, wallets, local methods	Multiple currencies	Based on country	Available
Checkout.com	Global Gateway	Global	Cards, local methods	Multiple currencies	Based on country	Available
Braintree	Global Gateway	Global	Cards, PayPal, wallets	Multiple currencies	Based on country	Available
Worldpay	Global Gateway	Global	Cards, bank payments	Multiple currencies	Based on country	Available
Square	Card Processor	US, Canada, Australia	Cards, in-person	USD, AUD, CAD	Based on country	Available
Authorize.net	Card Processor	United States	Cards, bank payments	USD	Based on country	Available
Airwallex	Global Gateway	Australia, Asia, Europe	Cards, bank transfer	Multiple currencies	Based on country	Available
GoCardless	Bank Transfer	UK, Europe	Direct debit, bank transfer	GBP, EUR	Local settlement	Available
Razorpay	Local Gateway	India	UPI, cards, net banking	INR	Local settlement	Available
PhonePe	Digital Wallet	India	UPI, wallet	INR	Local settlement	Available
Google Pay	Digital Wallet	India, US, Global	UPI, wallet, cards	Multiple currencies	Based on country	Available
PayU	Local Gateway	India	UPI, cards, EMI, net banking	INR	Local settlement	Available
Cashfree	Local Gateway	India	UPI, cards, BNPL	INR	Local settlement	Available
Chapa	Local Gateway	Ethiopia	Cards, bank payments, mobile payments	ETB	Local settlement	Available
Telebirr	Mobile Money	Ethiopia	Mobile wallet	ETB	Local settlement	Available
SantimPay	Local Gateway	Ethiopia	Mobile payments, bank transfer	ETB	Local settlement	Available
ArifPay	Local Gateway	Ethiopia	Cards, bank transfer, mobile payments	ETB	Local settlement	Available
Custom Integration	Bank Transfer	Ethiopia	Bank payments, where supported	ETB	Local settlement	Custom Integration
M-Pesa	Mobile Money	Kenya and East Africa	Mobile money	Local currencies	Local settlement	Available
Flutterwave	Local Gateway	Africa	Cards, mobile money, bank transfer	Local currencies	Local settlement	Available
Paystack	Local Gateway	Africa	Cards, bank transfer, mobile money	Local currencies	Local settlement	Available
Pesapal	Local Gateway	East Africa	Cards, mobile money, bank transfer	Local currencies	Local settlement	Coming Soon
DPO Pay	Local Gateway	East Africa	Cards, mobile money	Local currencies	Local settlement	Coming Soon
Interswitch	Local Gateway	Nigeria	Cards, bank transfer, USSD	NGN	Local settlement	Available
Monnify	Local Gateway	Nigeria	Bank transfer, cards	NGN	Local settlement	Available
Amazon Payment Services	Local Gateway	Middle East	Cards, wallets	AED, SAR, EGP	Local settlement	Available
Telr	Local Gateway	UAE	Cards, payment links	AED	Local settlement	Available
Network International	Local Gateway	UAE	Cards, Apple Pay	AED	Local settlement	Available
Tap Payments	Local Gateway	GCC	Cards, Apple Pay, BNPL	AED, SAR	Local settlement	Available
HyperPay	Local Gateway	Saudi Arabia	mada, STC Pay, cards	SAR	Local settlement	Available
PayTabs	Local Gateway	MENA	Cards, wallets	SAR, AED, EGP	Local settlement	Coming Soon
Paymob	Local Gateway	Egypt	Cards, wallets, cash reference	EGP	Local settlement	Available
Fawry	Local Gateway	Egypt	Cash reference, mobile payments	EGP	Local settlement	Available
PayFast	Local Gateway	South Africa	Cards, instant EFT	ZAR	Local settlement	Available
Ozow	Bank Transfer	South Africa	Instant EFT	ZAR	Local settlement	Available
HitPay	Local Gateway	Singapore	PayNow, cards, wallets	SGD	Local settlement	Available
2C2P	Local Gateway	Southeast Asia	Cards, wallets, bank transfer	Local currencies	Local settlement	Available
Billplz	Local Gateway	Malaysia	Bank transfer, cards	MYR	Local settlement	Available
Xendit	Local Gateway	Indonesia	Virtual accounts, e-wallets, QRIS	IDR	Local settlement	Coming Soon
DOKU	Local Gateway	Indonesia	Virtual accounts, cards	IDR	Local settlement	Coming Soon
PayMongo	Local Gateway	Philippines	GCash, cards, bank transfer	PHP	Local settlement	Coming Soon
Maya	Digital Wallet	Philippines	Wallet, cards	PHP	Local settlement	Coming Soon
JazzCash	Mobile Money	Pakistan	Mobile wallet, cards	PKR	Local settlement	Available
Easypaisa	Mobile Money	Pakistan	Mobile wallet	PKR	Local settlement	Available
bKash	Mobile Money	Bangladesh	Mobile wallet	BDT	Local settlement	Available
SSLCommerz	Local Gateway	Bangladesh	Cards, mobile wallet, bank transfer	BDT	Local settlement	Available
Mercado Pago	Local Gateway	Latin America	Pix, cards, wallet	BRL, MXN	Local settlement	Coming Soon
EBANX	Local Gateway	Latin America	Boleto, OXXO, cards	BRL, MXN	Local settlement	Coming Soon
Openpay	Local Gateway	Mexico	Cards, OXXO	MXN	Local settlement	Coming Soon
Mollie	Local Gateway	Europe	iDEAL, Bancontact, cards	EUR	Local settlement	Coming Soon
Klarna	Buy Now Pay Later	Europe	Buy now pay later	EUR, GBP	Based on country	Available
Afterpay	Buy Now Pay Later	Australia, US	Buy now pay later	AUD, USD	Based on country	Available

Provider availability, supported features, currencies and approval requirements may change based on the provider and country.

Payment Methods

Gateways process it.
Methods are how they pay.

Enable the methods that make sense for each market — customers check out with what they already use, no matter which gateway is behind the scenes.

Cards & Digital Wallets

Cards

Visa, Mastercard, American Express — everywhere they're accepted.

Apple Pay & Google Pay

One-tap wallet checkout wherever the gateway supports it.

Samsung Pay

Wallet checkout for Samsung device holders.

Buy Now, Pay Later

Installments through supporting gateways and markets.

UPI & India Wallets

UPI

Direct bank-to-bank transfer, India's most-used checkout method.

PhonePe UPI

UPI checkout through 500M+ PhonePe users.

Paytm UPI

UPI and wallet checkout via Paytm.

BHIM UPI & Net Banking

Direct government UPI app, plus 50+ Indian banks.

Mobile Money & Africa

Mobile Money

Wallet-based checkout across East & West Africa.

M-Pesa

Direct M-Pesa STK push at checkout.

Telebirr

Ethiopia's leading mobile wallet, direct to checkout.

USSD

No-internet checkout for feature phones in Nigeria & beyond.

Bank & Direct Debit

Bank Transfer

Direct account-to-account, worldwide.

Direct Debit & SEPA

Recurring debits for subscriptions across the EU & UK.

ACH

Low-cost bank debit across the US.

QR Payments

Scan-to-pay via PayNow, QRIS, PromptPay, and more.

Why The Payment Gateway Hub

Payments infrastructure, without the plumbing.

Most businesses either lock into one gateway or build a patchwork of custom integrations per country. EnOpSy gives every tenant a single connected hub — global reach, local conversion, one place to manage it all.

Reach

60+

Payment Gateways

Coverage

150+

Countries Supported

Reliability

99.9%

Effective Uptime

Resilience

Auto

Routing & Failover

Multi-tenant, from day one

Every tenant connects its own gateways, sets its own routing rules, and sees only its own transactions — isolated by design.

No-code gateway builder for new markets

Super Admin adds a new country gateway through a registry — no rebuild, no redeploy, no hard-coded list to maintain.

Every payment lands in the ledger

Sales, fees, refunds, and settlements post straight to EnOpSy INEX Accounting — no manual reconciliation.

Bank-grade security, built in

Encrypted credentials, masked secrets, signature-verified webhooks, and a strict test/live boundary on every gateway.

Roles that match how finance teams work

Super Admin, Tenant Admin, Finance Admin, Support, and Developer each see exactly what their job needs.

Global and local payments. One connected hub.

One hub for every way
your customers pay.

Smart Payment Routing

Automatic Gateway Failover

Every Local Payment Method

Refunds, Disputes & Chargebacks

Settlements & Reconciliation

Security & Compliance

Find payment options
for every market.

Gateways process it.
Methods are how they pay.

Payments infrastructure, without the plumbing.

Multi-tenant, from day one

No-code gateway builder for new markets

Every payment lands in the ledger

Bank-grade security, built in

Roles that match how finance teams work

Connect your first gateway in minutes.

Global and local payments. One connected hub.

One hub for every wayyour customers pay.

Smart Payment Routing

Automatic Gateway Failover

Every Local Payment Method

Refunds, Disputes & Chargebacks

Settlements & Reconciliation

Security & Compliance

Find payment optionsfor every market.

Gateways process it.Methods are how they pay.

Payments infrastructure, without the plumbing.

Multi-tenant, from day one

No-code gateway builder for new markets

Every payment lands in the ledger

Bank-grade security, built in

Roles that match how finance teams work

Connect your first gateway in minutes.

One hub for every way
your customers pay.

Find payment options
for every market.

Gateways process it.
Methods are how they pay.