Your universal payment fingerprint. One code. Every payment rail. Zero friction.
Every ElroiPay user receives a unique KeyOut identity code — a programmable payment switch that routes to your preferred destination. Whether wallet, mobile money, or bank account, your KeyOut QR acts as an intelligent routing layer, not a fixed payment endpoint.
No more sharing account numbers, phone numbers, or bank details. Your KeyOut code represents YOU, and you control where funds flow through your routing settings.
Unique to every ElroiPay user. Permanent.
Identity-based routing in five intelligent steps
System fetches your ElroiPay User ID from KeyOut code
Retrieve all your linked payout rails (Wallet, MoMo, Bank)
Read your routing configuration and preferences
Execute routing rules (direct, match, select, forward)
Execute API settlement to selected destination rail
Programmable multi-rail payment orchestration
One code represents your user ID. All rails operate through intelligent routing logic.
Configure routing modes: direct, sender-match, sender-select, or auto-forward.
Link Wallet, MTN, Vodafone, AirtelTigo, and bank accounts to one KeyOut code.
Real-time rail health checks with automatic fallback routing on failure.
Payers never see your account details. Only your KeyOut identity code.
Works at any ElroiPay merchant terminal and peer-to-peer transfer.
You control where payments flow with five intelligent routing options
All incoming payments go directly to your selected default destination rail. Simple and predictable.
All payments land in your ElroiPay Wallet only. Perfect for centralized fund management.
Symmetric routing: MTN sender → your MTN account. Bank sender → your bank account. Intelligent matching.
After scanning, sender sees a modal to choose where to send payment. Maximum flexibility.
Payments land in wallet first, then system auto-settles to your external rail after defined delay.
Set drag-and-drop fallback order. If primary rail fails API call, system retries using fallback sequence.
One code for every payment scenario
Share your KeyOut code with friends and family. They scan and send money instantly without needing your phone number or bank details.
Use your KeyOut QR at any ElroiPay merchant. Scan to pay at restaurants, shops, and service providers across Africa.
Receive international payments with your KeyOut code. Automatic currency conversion and settlement to your preferred account.
Create your ElroiPay account and receive your unique KeyOut identity code instantly
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