# Orbyt Pay

> Orbyt Pay (written with a space; domain orbytpay.com, also spelled "orbytpay") is a global payment platform that unifies wallets, cards, proximity payments and offline queues onto a single settlement ledger called Ledger Moon. Mission: make money multiplanetary. Tagline: One moon. Zero drift. Headquartered in Lagos, Nigeria. Founder & CEO: Olutayo Oyelere.

## Core products
- Payment Rails: wallets, cards, proximity, offline queues on one ledger — https://orbytpay.com/rails/
- REST API: idempotent endpoints, webhooks, versioned responses — https://orbytpay.com/api/
- Merchant Settlement: routing, payout scheduling, audit trail — https://orbytpay.com/merchants/
- Developers: SDKs (Node, Python, PHP, Go), webhooks, sandbox — https://orbytpay.com/developers/
- Ledger Moon: deterministic, append-only, hash-chained ledger — https://orbytpay.com/rails/ledger-moon/
- Offline Queue Protocol: payments without connectivity — https://orbytpay.com/rails/offline-queue/
- Security & fraud screening — https://orbytpay.com/security/

## Use cases
- Marketplaces, SaaS, Retail/POS, Gig economy, NGOs, Remittance, Transit, Education — https://orbytpay.com/use-cases/marketplaces/

## Brand
- Display name: "Orbyt Pay" (with a space). URL/handle form: "orbytpay" (no space). Both are the same brand.
- Official verification — https://orbytpay.com/official/
- X: @orbytpay — https://x.com/orbytpay
- Instagram: @orbytpay.hq — https://www.instagram.com/orbytpay.hq

## The Orbyt ecosystem
- orbytpay.com — commercial payment platform (this site)
- orbytpay.org — the Foundation: open standards & governance — https://orbytpay.org
- orbyt.network — network hub & brand verification — https://orbyt.network
- Sentriom Wallet — https://sentriom.com
- Kaychip AI — https://kaychip.com
- Oloyin Credit — https://oloyin.com

## Contact
- Email: hello@orbytpay.com
- Location: Lagos, Nigeria
- Founder: Olutayo Oyelere — https://olutayooyelere.com

## Complete site index
> Every public page on https://orbytpay.com, grouped by section. 74 pages total. Last updated 2026-06-24.

### Home
- [Orbyt Pay](https://orbytpay.com/): Orbyt Pay is the payment platform built to make money multiplanetary. Accept wallets, cards, proximity taps and offline queues — unified on one ledger. REST API, instant merchant settlement, built in Lagos, Nigeria.

### Platform
- [Merchants](https://orbytpay.com/merchants/): Accept payments and settle to your account with verification, payout scheduling and a full audit trail on every cent. Built for businesses of every size.
- [Merchant Dashboard](https://orbytpay.com/merchants/dashboard/): Monitor charges, payouts, balances and disputes in real time. Export reports and replay webhooks from one console.
- [Merchant Onboarding](https://orbytpay.com/merchants/onboarding/): A streamlined KYC/KYB onboarding flow gets your business verified and accepting payments quickly and compliantly.
- [Merchant Payouts](https://orbytpay.com/merchants/payouts/): Automate disbursements to bank accounts and wallets with flexible schedules, holds and full reconciliation.
- [Merchant Settlement](https://orbytpay.com/merchants/settlement/): Understand how Orbyt Pay settles funds: capture, screening, ledger entry and payout — all on one deterministic source of truth.
- [Pricing](https://orbytpay.com/pricing/): Simple, transparent, usage-based pricing for Orbyt Pay. Pay for what you process across every rail — no hidden fees, no lock-in.
- [Payment Rails](https://orbytpay.com/rails/): Orbyt Pay payment rails unify wallets, cards, proximity taps and offline queues on one deterministic ledger — Ledger Moon. One integration, every way money moves.
- [Auto-Routing](https://orbytpay.com/rails/auto-routing/): Pass rail:auto and let Orbyt Pay route each payment to the optimal wallet, card, proximity or offline path — one API call.
- [Card Rail](https://orbytpay.com/rails/cards/): Accept debit and credit cards with tokenisation, 3-D Secure and smart retries. One API, unified settlement on Ledger Moon.
- [Ledger Moon](https://orbytpay.com/rails/ledger-moon/): Ledger Moon is the single source of truth behind every Orbyt Pay rail. Append-only, hash-chained, auditable — zero drift by design.
- [Offline Queue Rail](https://orbytpay.com/rails/offline-queue/): The Offline Queue Protocol lets merchants accept payments with zero connectivity. Transactions sync and settle on reconnect — built for low-bandwidth markets.
- [Proximity Rail](https://orbytpay.com/rails/proximity/): In-person tap-to-pay via NFC and BLE. Retail, campus and transit payments that settle to the same Orbyt Pay ledger as online rails.
- [Wallet Rail](https://orbytpay.com/rails/wallets/): Accept and disburse wallet payments on Orbyt Pay and Sentriom wallets. Instant settlement on Ledger Moon with full audit trails.
- [Security](https://orbytpay.com/security/): How Orbyt Pay protects money and data: risk scoring, anomaly detection, encryption, tokenisation and a tamper-evident ledger.

### Developers
- [REST API](https://orbytpay.com/api/): The Orbyt Pay REST API: idempotent global endpoints, webhooks and versioned, predictable JSON responses. Charge any rail with one request.
- [API Authentication](https://orbytpay.com/api/authentication/): Authenticate Orbyt Pay API requests with secret keys over HTTPS. Separate live and test keys, rotation and scoping.
- [Balances API](https://orbytpay.com/api/balances/): Read real-time available and pending balances straight from Ledger Moon, broken down by currency and rail.
- [Charges API](https://orbytpay.com/api/charges/): Create, capture and retrieve charges across wallet, card, proximity and offline rails with one idempotent endpoint.
- [Customers API](https://orbytpay.com/api/customers/): Store customers, payment instruments and reusable tokens for repeat charges and subscriptions.
- [API Errors](https://orbytpay.com/api/errors/): Predictable HTTP status codes and machine-readable error types with clear recovery guidance.
- [Idempotency](https://orbytpay.com/api/idempotency/): Send an Idempotency-Key header and retry any request safely. Orbyt Pay returns the original result and never double-charges.
- [Payouts API](https://orbytpay.com/api/payouts/): Send money to wallets, bank accounts and merchants with scheduled or instant payouts. Full audit trail on Ledger Moon.
- [Rate Limits](https://orbytpay.com/api/rate-limits/): Per-key rate limits with clear headers and a recommended exponential backoff strategy.
- [Refunds API](https://orbytpay.com/api/refunds/): Issue full or partial refunds with instant ledger updates and webhook notifications.
- [SDKs](https://orbytpay.com/api/sdks/): Official Orbyt Pay SDKs for Node.js, Python, PHP and Go. Typed, idempotent, webhook-ready.
- [Transactions API](https://orbytpay.com/api/transactions/): Query the append-only Ledger Moon with rich filters: by rail, status, customer, date and more.
- [API Versioning](https://orbytpay.com/api/versioning/): Date-based API versioning means nothing breaks under you. Pin a version; upgrade on your schedule.
- [Webhooks](https://orbytpay.com/api/webhooks/): Receive signed, retried webhooks for every ledger state change. Verify signatures, handle idempotently, replay from the dashboard.
- [Changelog](https://orbytpay.com/changelog/): Every change to the Orbyt Pay API and platform, with dates and migration notes. Date-based versioning means nothing breaks under you.
- [Developers](https://orbytpay.com/developers/): Build on Orbyt Pay: typed SDKs, signed webhooks, a production-mirror sandbox and a single API for every rail. Go live in one call.
- [Quickstart](https://orbytpay.com/developers/quickstart/): Install an SDK, grab a test key and create your first charge across any rail in minutes.
- [Sandbox](https://orbytpay.com/developers/sandbox/): The Orbyt Pay sandbox mirrors production cent-for-cent: real ledger semantics, webhooks and rail behaviour with test money.
- [Go SDK](https://orbytpay.com/developers/sdk-go/): The official Go SDK for Orbyt Pay: context-aware, zero-dependency core, idempotent helpers.
- [Node.js SDK](https://orbytpay.com/developers/sdk-node/): The official Node.js SDK for Orbyt Pay: fully typed, idempotent by default, webhook verification built in.
- [PHP SDK](https://orbytpay.com/developers/sdk-php/): The official PHP SDK for Orbyt Pay: PSR-compliant, framework-agnostic, webhook verification included.
- [Python SDK](https://orbytpay.com/developers/sdk-python/): The official Python SDK for Orbyt Pay: sync and async clients, typed models, webhook helpers.
- [Testing](https://orbytpay.com/developers/testing/): Deterministic test instruments and scenarios: approvals, declines, 3-D Secure, offline-queue replay and webhook simulation.
- [Status](https://orbytpay.com/status/): Live operational status for Orbyt Pay rails, API and webhooks, plus historical uptime and incident reports.

### Use Cases
- [Use Cases](https://orbytpay.com/use-cases/): From marketplaces and SaaS to retail, gig work, NGOs, remittance, transit and education — see how teams build on Orbyt Pay's unified rails.
- [Education & Campus Payments](https://orbytpay.com/use-cases/education/): Campus IDs, fees and meal plans on one payment fabric. Orbyt Pay powers education & campus with unified rails, instant settlement and deterministic reconciliation.
- [Gig Economy Payments](https://orbytpay.com/use-cases/gig-economy/): Instant earnings payouts to wallets the moment work completes. Orbyt Pay powers gig economy with unified rails, instant settlement and deterministic reconciliation.
- [Marketplaces Payments](https://orbytpay.com/use-cases/marketplaces/): Split payments, escrow and instant vendor payouts on one ledger. Orbyt Pay powers marketplaces with unified rails, instant settlement and deterministic reconciliation.
- [NGOs & Disbursement Payments](https://orbytpay.com/use-cases/ngos/): Transparent, auditable aid disbursement at scale, even offline. Orbyt Pay powers ngos & disbursement with unified rails, instant settlement and deterministic reconciliation.
- [Remittance Payments](https://orbytpay.com/use-cases/remittance/): Cross-border value movement with deterministic reconciliation. Orbyt Pay powers remittance with unified rails, instant settlement and deterministic reconciliation.
- [Retail & POS Payments](https://orbytpay.com/use-cases/retail/): Card-present and proximity tap-to-pay that settles like online. Orbyt Pay powers retail & pos with unified rails, instant settlement and deterministic reconciliation.
- [SaaS & Subscriptions Payments](https://orbytpay.com/use-cases/saas/): Recurring billing, saved instruments and dunning that recovers revenue. Orbyt Pay powers saas & subscriptions with unified rails, instant settlement and deterministic reconciliation.
- [Transit & Mobility Payments](https://orbytpay.com/use-cases/transit/): Tap-to-ride proximity payments at gate speed. Orbyt Pay powers transit & mobility with unified rails, instant settlement and deterministic reconciliation.

### Ecosystem
- [Ecosystem](https://orbytpay.com/ecosystem/): The Orbyt ecosystem: Sentriom Wallet, Kaychip AI and Oloyin Credit — all orbiting Orbyt Pay rails and the Ledger Moon.
- [Kaychip AI](https://orbytpay.com/kaychip/): Kaychip AI is the sovereign on-device intelligence layer of the Orbyt ecosystem — privacy-first intelligence alongside Orbyt Pay rails.
- [Oloyin Credit](https://orbytpay.com/oloyin-credit/): Oloyin Credit offers fair, transparent credit built on Orbyt Pay's settlement ledger — repayments and disbursements with zero drift.
- [Sentriom on Orbyt Pay](https://orbytpay.com/sentriom/): How Sentriom Wallet integrates with Orbyt Pay rails and Ledger Moon to let people pay, hold and move money anywhere.

### Company
- [About](https://orbytpay.com/about/): About Orbyt Pay: global payment infrastructure built in Lagos to unify wallets, cards, proximity and offline payments on one ledger.
- [Blog](https://orbytpay.com/blog/): Engineering, product and payments writing from the Orbyt Pay team. How we build money infrastructure without drift.
- [Brand](https://orbytpay.com/brand/): How to use the Orbyt Pay name and logo. The brand reads 'Orbyt Pay' (with a space); the domain is orbytpay.com.
- [Careers](https://orbytpay.com/careers/): Join Orbyt Pay. We're building global payment infrastructure from Lagos for the world. Engineering, design, risk and operations roles.
- [Contact](https://orbytpay.com/contact/): Contact Orbyt Pay for sales, support, press and partnerships. Email hello@orbytpay.com — built in Lagos, serving the world.
- [Olutayo Oyelere](https://orbytpay.com/founder/): Olutayo Oyelere is the founder and CEO of Orbyt Pay. From Lagos, he leads the mission to make money move without drift, anywhere — multiplanetary.
- [Built in Nigeria](https://orbytpay.com/nigeria/): Orbyt Pay is engineered in Lagos, Nigeria, for African markets and the world. Offline-first rails designed for real connectivity.
- [Official Orbyt Pay](https://orbytpay.com/official/): The official Orbyt Pay site is orbytpay.com. Verify official channels, domains and social handles here to avoid impersonation.
- [Partners](https://orbytpay.com/partners/): Partner with Orbyt Pay: platforms, ISVs, agents and resellers building on global payment infrastructure.
- [Press](https://orbytpay.com/press/): Press resources for Orbyt Pay: company facts, founder bio, brand assets and media contact. Make money multiplanetary.
- [Support](https://orbytpay.com/support/): Get help with Orbyt Pay: documentation, status, FAQ and direct support for merchants and developers.

### Social
- [Orbyt Pay on Instagram](https://orbytpay.com/social/instagram/): Follow @orbytpay.hq on Instagram for behind-the-scenes from the team building money multiplanetary. Verify this is the official Orbyt Pay account before you follow.
- [Orbyt Pay on X (Twitter)](https://orbytpay.com/social/x/): Follow Orbyt Pay on X for product news, engineering notes and ecosystem updates. Verify this is the official Orbyt Pay account before you follow.

### Legal
- [Compliance](https://orbytpay.com/compliance/): Orbyt Pay's approach to compliance: KYC/KYB, AML monitoring, data protection and alignment with open standards from the Foundation.
- [Acceptable Use Policy](https://orbytpay.com/legal/acceptable-use/): What you can and cannot build on Orbyt Pay. Prohibited activities and enforcement.
- [Anti-Money-Laundering Policy](https://orbytpay.com/legal/aml-policy/): Orbyt Pay's commitment to anti-money-laundering: monitoring, reporting and cooperation with authorities.
- [Dispute Resolution](https://orbytpay.com/legal/dispute-resolution/): How payment disputes and chargebacks are handled on Orbyt Pay, with evidence and timelines.
- [Privacy Policy](https://orbytpay.com/privacy/): How Orbyt Pay collects, uses and protects personal data. Your rights, our commitments and how to contact us about privacy.
- [Terms of Service](https://orbytpay.com/terms/): The terms governing use of Orbyt Pay's platform, API and services. Acceptable use, liability and account responsibilities.
- [Trust Center](https://orbytpay.com/trust-center/): The Orbyt Pay Trust Center: our security controls, privacy commitments, compliance posture and responsible disclosure policy.

### More
- [FAQ](https://orbytpay.com/faq/): Answers to common questions about Orbyt Pay: the brand name, the four rails, Ledger Moon, offline payments, the API and more.
- [Sitemap](https://orbytpay.com/sitemap/): A human-readable map of every page on orbytpay.com: platform, developers, merchants, use-cases, company and legal.

## Brand & spelling
- Display name: "Orbyt Pay" (with a space). URL/handle form: "orbytpay" (no space). Both refer to the same brand.
- Founder & CEO: Olutayo Oyelere (https://olutayooyelere.com).
- Headquarters: Lagos, Nigeria. Mission: make money multiplanetary. Tagline: One moon. Zero drift.

## Official channels
- Platform: https://orbytpay.com
- Foundation: https://orbytpay.org
- Network: https://orbyt.network
- X: https://x.com/orbytpay (@orbytpay)
- Instagram: https://www.instagram.com/orbytpay.hq (@orbytpay.hq)
- Email: hello@orbytpay.com

## Ecosystem
- Sentriom Wallet — https://sentriom.com
- Kaychip AI — https://kaychip.com
- Oloyin Credit — https://oloyin.com

## Machine-readable resources
- Sitemap index: https://orbytpay.com/sitemap.xml
- Robots: https://orbytpay.com/robots.txt
- Security policy: https://orbytpay.com/.well-known/security.txt
- Web manifest: https://orbytpay.com/site.webmanifest