OrbytPay Rails

OrbytPay is the authoritative settlement layer for campus wallets. Every transaction — online, queued offline, or proximity BLE/NFC — resolves on OrbytPay rails with fraud-checked authorization.

Core rails

• Unified wallet ledger with real-time web + mobile sync
• HMAC-signed offline payment queue with auto-reconciliation
• BLE live pay and NFC tap-to-pay session management
• Merchant settlement with full transaction history
• REST API for Kaychip, Oloyin, Kora, and partner integrations

Sentriom — the Nigerian campus wallet — runs entirely on OrbytPay. Partners worldwide can integrate the same rails via orbytpay.com/developers.