HubdexPay was started because moving a dollar between Mogadishu, Hargeisa and Nairobi shouldn't require five different APIs, three Excel sheets, and a phone call to clear settlement.
Cards still account for less than 5% of digital payments across Somalia, Somaliland, and large parts of Kenya. The real rails — EVC, Zaad, Sahal, eDahab, M-Pesa — were never first-class citizens in Stripe-era APIs.
HubdexPay starts where the money actually flows. We give merchants one integration, one ledger, one webhook, and a routing layer that knows when EVC is healthy, when M-Pesa is in maintenance, and when to fall back to a manual settlement queue.
Your customers see your brand, not ours. We're invisible infrastructure — that's the whole point.
Every cent has a debit and a credit. Reconcile to zero, every single day, or we don't sleep.
Manual review queues, audit trails, merchant management. Built like a back-office should be.
If a wallet goes down, traffic shifts. New rails plug in via a simple connector interface.