Ivorypay alternative with payouts held in escrow
Ivorypay pays fiat transfers out of a crypto balance and publishes its rate card. With Unigox, an Ivorypay alternative, payouts to verified customers come from your USDT or USDC float and sit in escrow. Stay for crypto checkout.
When to stay with Ivorypay
Your buyers pay you in crypto at checkout
Ivorypay's gateway takes USDT, USDC, BTC and ETH, can send the buyer to its hosted checkout page, and can settle each payment to your bank or mobile money. Payments API collections are paid in local money, by bank transfer or mobile money.
You pay people who never sign up with you
An Ivorypay fiat transfer needs an account number and bank code, or just a phone number for mobile money. Its NGO page sends aid straight to beneficiaries' mobile money and bank accounts. Every Unigox order is for a customer who has passed an identity check with Unigox.
You want published rates for crypto payments
Ivorypay publishes 1% per crypto collection, capped at $25, and 0.15% per crypto payout to a wallet or per swap. That side of your volume has a known cost up front. Fiat payouts are quoted per transfer on both: Ivorypay returns the rate and its fee, Unigox the rate, its fee and yours.
Ivorypay transfers and Unigox escrowed payouts
| Topic | Ivorypay | Unigox |
|---|---|---|
| Built for | Businesses in Africa and brands selling into it: a crypto payment gateway, on and off-ramps, wallets and treasury, and static wallet addresses. | Apps and platforms that settle in USDT or USDC and pay out to, or collect from, customers who passed a Unigox identity check. |
| Funding a payout | Your Ivorypay wallet balance in USDT or USDC, converted before the local money is sent. Its off-ramp can instead have the end user send crypto to a session address before it expires. | USDT or USDC in your partner wallet, topped up in advance. Each order's amount moves into on-chain escrow on a transfer your own server signs. |
| If a payout fails | Your wallet is debited only when the bank confirms. A FAILED transfer can leave a reservation on your balance until Ivorypay reconciles it, so check the final transaction and balance. | A funded payout that stops waits in on-chain escrow; a webhook tells you a refund is needed, and your server signs it back to your partner wallet. |
| Where the money lands | Bank accounts, or mobile money in East, West and Central Africa. Ivorypay detects the mobile network from the number. | For a cash-out, the verified customer's own bank or mobile money account. Supplier and other third-party payouts run on supported routes. A payment business or a P2P merchant pays; a quote can be limited to payment businesses. |
| Pricing | Published: 1% per crypto collection and from 1.5% per fiat collection, each capped at $25; 0.15% per crypto wallet payout or swap. Fiat payouts are quoted per transfer, rate not locked. The off-ramp adds a business fee you set. | No fixed rate card. Each quote shows the rate, the Unigox fee for that currency and method, your percentage and the total. An order that does not complete is not charged. |
| Webhooks | An x-ivorypay-signature header holding an HMAC-SHA512 of the event's data object, keyed with your secret API key. Failed deliveries are retried; the docs give no count or schedule. | Signed with HMAC-SHA256, with automatic retries when a delivery fails. |
| Integration | The secret API key in the Authorization header, a TEST environment with simulated fiat, and an IP allow-list you must set before LIVE payouts. | An X-API-Key header, and after KYB a sandbox at api-staging.unigox.com with production's endpoints, a Postman collection and signing samples in Python, JavaScript and C#. |
UnigoxMove Ivorypay fiat transfers to Unigox
Book a call and list your Ivorypay routes
Name the countries and payout methods you use Ivorypay for, agree the setup with the Unigox team, and send your company documents. Ivorypay onboarding does not carry over; API keys follow approval.
Turn each fiat transfer into a quote and an order
Where you called Ivorypay's fiat transfer, request a quote, verify the customer, create the order and sign its escrow transfer. Build the whole path on api-staging.unigox.com first.
Fund the partner wallet and swap webhook checks
Send USDT or USDC to your Unigox partner wallet, switch your webhook check from HMAC-SHA512 to HMAC-SHA256, and point production calls at api.unigox.com.
Questions about Ivorypay alternatives
What is Ivorypay used for, and where does Unigox fit?
Ivorypay lets African businesses accept crypto and stablecoins, convert them, and settle to banks, mobile money or crypto wallets. Unigox fits one part of that: local-money payouts to, and collections from, your own verified customers. They settle in USDT or USDC through your partner wallet, and each payout is held in on-chain escrow until it completes.
See the Payments APIIs Ivory Pay a crypto payment gateway?
Yes. Ivorypay, also written Ivory Pay, takes USDT, USDC, BTC and ETH from buyers through its gateway or hosted checkout and can settle in local currency. The Unigox Payments API is not a crypto checkout; it moves local money for customers who pass an identity check.
How do Ivorypay's fees compare with Unigox?
Ivorypay publishes 1% for crypto collection and from 1.5% for fiat collection, each capped at $25, and 0.15% for payouts to a crypto wallet and for swaps. A fiat payout is quoted per transfer with the rate and its fee. Unigox also prices each order on its quote, by currency and method, and adds the percentage you set for yourself.
Can a business keep Ivorypay and add Unigox?
Yes. Checkout, aid or payouts to people who never sign up with you, and static wallet addresses can stay on Ivorypay. Payouts and collections for your verified customers run through Unigox. The two keep separate balances, and your company passes Unigox KYB.
See all business comparisonsSend us one fiat transfer you run on Ivorypay
Give the currency, bank or mobile money, and the monthly volume of a transfer you send from your Ivorypay balance. We reply with what the Payments API offers on it and what your recipients need for the identity check.
Ivorypay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.