Accept payments across 30+ countries.
Access bank credit & settle suppliers globally.
The all-in-one financial operating system for merchants, importers, and enterprises. Accept mobile money, cards, and bank rails with ultra-low fees, automate bank sweeps, pool container buying power in interest-free merchant Ayuuto circles, and unlock pre-approved bank credit the more you process.
Ecosystem Importers Ltd
Verified processing cashflow unlocks 0% interest supplier trade finance from partner banks.
Accept all customer payment methods with ultra-low fees
Never lose a sale because of payment friction. Support every major African mobile money wallet, domestic bank clearing rails, and international cards through one simple merchant agreement.
30+ Pan-African Rails
Accept Safaricom M-Pesa, Somalia Hormuud EVC+ & Telesom Zaad, Dahabshiil eDahab, Ethiopian Telebirr, and mobile money & domestic bank transfers across 30+ African nations.
Ultra-Low Transaction Fees
Cut your payment acceptance costs by up to 60%. Traditional card acquirers charge 3.5%–4.0% with settlement delays. Jayb operates direct wholesale telco & banking clearing lines.
Customer Fee Coverage Engine
Want near-zero merchant processing costs? Toggle customer fee coverage on your checkout. Payer covers the processing fee (+2.5%) during payment, leaving your net sales 100% intact.
Access interest-free capital from partner banks as your processing volume grows
Traditional commercial banks ask for land title deeds, endless tax audits, and 18%+ punitive interest. With Jayb, your real-time processing transaction history acts as your verified creditworthiness score — unlocking pre-approved working capital facilities from liquidity partner banks.
Your sales volume is your collateral.
0% Riba, zero paperwork bureaucracy.
Every customer transaction through Jayb writes to an immutable cryptographic ledger. Our partner commercial banks (including Choice Microfinance Bank, Equity Bank, and liquidity syndicates) evaluate your real-time cash flow velocity to underwrite interest-free revolving credit facilities.
Route your daily M-Pesa, EVC+, and card sales through your Jayb merchant account.
As volume scales past milestones, pre-approved capital lines unlock automatically in your portal.
Structured as interest-free trade advance facilities or Murabaha inventory funding.
Repay effortlessly via a small deduction from incoming daily sales — no debt traps.
Monthly Processing: > KSh 1,000,000 • 60 days history
Monthly Processing: > KSh 5,000,000 • 90 days history
Monthly Processing: > KSh 20,000,000 • Container trade finance
Dedicated virtual accounts & automated commercial bank sweeps
Eliminate reconciliation chaos. Assign unique bank account numbers to every branch or app, segregate reserves for taxes and payroll, and sweep funds automatically to your bank.
Dedicated Virtual Coordinates
Every client application receives unique 4601-xxxx account numbers backed by Choice Microfinance Bank. Deposits via M-Pesa Paybill, Pesalink, or RTGS reflect on your ledger instantly with 0% reconciliation error.
Zero-Balance Automated Sweeps
Configure rules to sweep daily revenues automatically to your primary commercial bank accounts at Equity Bank, KCB, Standard Chartered, or NCBA. Trigger sweeps instantly, end-of-day, or above balance thresholds.
Segregated Reserves & Payroll
Create ring-fenced sub-wallets to hold tax reserves (VAT / turnover tax), bulk employee payroll disbursements, and supplier payment escrow pools with multi-signature authorization controls.
Merchant Ayuuto: Pool buying power to import containers at factory prices
Why buy merchandise in small quantities from middlemen when 10 merchants can pool capital to import full 40-foot shipping containers directly from overseas factories? Jayb digitizes merchant buying syndicates with bank escrow protection.
Container Wholesale Pricing
Unlock 40%–60% factory wholesale discounts by pooling container purchase orders directly with overseas manufacturers.
Zero Interest & No Debt
100% Sharia-compliant capital formation. Members contribute their agreed share without paying interest to commercial lenders.
Multi-Sig Escrow Locks
Funds are locked in segregated partner bank escrow accounts and released only when customs clearance documents are verified.
Direct Factory Disbursement
When the syndicate pot triggers, funds disburse straight to Guangzhou or Dubai factories in Chinese Yuan (CNY) or UAE Dirhams (AED).
Settle global factory invoices directly from your sales revenues
Stop losing days queuing at foreign exchange bureaus. Jayb allows you to pay overseas factories in China (CNY) and Dubai (AED) directly from your customer collection balance.
China CNY Express Rail
Direct clearing into mainland Chinese bank accounts (ICBC, Bank of China, Agricultural Bank). Map payments directly to carton shipping marks (e.g. CRG-YW-889) and airway bills with 2-factor OTP approvals.
Dubai AED Domestic Rail
Pay UAE logistics consolidators, freight forwarders, and trade suppliers in Dubai in AED via UAE domestic clearing without punitive intermediary bank deductions.
Zero-Interchange Bank Wires
Settle high-value commercial transactions ($10,000 to $500,000) using dedicated US Fedwire, ACH, UK Faster Payments, and EU SEPA coordinates with zero card interchange leakage.
Turn processing volume into profit with tiered fee rebates
High-volume enterprises and retail merchants earn monthly cashback rebates on processed payment flows that automatically offset upcoming processing fees or foreign exchange wire costs.
KSh 1M – 5M Monthly Volume
Earn 1 point per KES 100 processed. Automatically applied to offset 15% of your transaction fees.
KSh 5M – 20M Monthly Volume
Earn enhanced 1.5x points on all collections. Offsets wire transfer costs and custom clearance fees.
KSh 20M+ Enterprise Volume
Custom volume rebate structure, dedicated account manager, and free zero-balance sweeps.
Scale your business on Jayb today
Join hundreds of retail merchants in Kasoko, logistics forwarders at Cargo.ke, and property enterprises on Real.ke powering their cashflows through Jayb.