Payclave vs Century VTU
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Payclave compared with Century VTU
| Detail | 
Payclave | 
Century VTU |
|---|
| What it does | Non-custodial crypto checkout where customers pay with any token and merchants receive USDC or USDT in their own wallet
| Buy airtime, data, electricity tokens and cable TV in seconds from one wallet
|
|---|
| Stage | Startup
| Not given
|
|---|
| Founded | 2026
| Not given
|
|---|
| Based in | US
| NG
|
|---|
| Pricing model | Freemium
| Free
|
|---|
| Pricing | Test mode: free. Live payments: 0.7% per completed payment. No monthly or setup fee.
| Not given
|
|---|
| Key features | - Hosted checkout sessions for stablecoin payments
- Direct settlement to merchant-controlled wallet
- Independent onchain payment verification
- Signed webhook notifications with retry delivery
- JavaScript and React SDKs for integration
- Separate test and live payment modes
- Payment links, invoices, and API-based checkout creation
- Dashboard with payment records and settlement wallet settings
- API playground for testing checkout flows
| - Instant airtime and data delivery in under 10 seconds
- Electricity tokens delivered within 30 seconds
- Cashback credited directly to wallet on every purchase
- 1% lifetime commission on referrals
- Dedicated bank account for wallet funding
- Bank-grade encryption and PCI-DSS certified payment processing
- Tiered account verification system for higher limits
- Downloadable receipts and full transaction history
- Support for multiple African countries
|
|---|
| What makes it different | - Non-custodial: Payclave never holds funds or private keys; settlements go directly to the merchant's own wallet
- Accept any token: customers pay with whatever supported token they already hold without bridging or swapping
- Simple flat 0.7% pricing with no monthly fee, setup fee, or payout fee
- Independent onchain verification before marking payments as complete
- Developer-friendly with published API, SDKs, and comprehensive guides for integration and reconciliation
| - 99.9% delivery success rate
- Single wallet for all bill payments across providers
- Cashback and referral earnings on every transaction
- Transparent fees shown before transaction confirmation
|
|---|
| Free plan | Not given
| Not given
|
|---|
| Open source | Not given
| Not given
|
|---|
| Platforms | Not given
| Not given
|
|---|
| Public API | Not given
| Not given
|
|---|
| Community votes | 0 | 0 |
|---|
| DR (Domain Rating by Ahrefs) | Not checked yet ● no change since last check | Not checked yet ● no change since last check |
|---|
| Trust Flow (Majestic) | 0 | 0 |
|---|
| Citation Flow (Majestic) | 0 | 11 |
|---|
| Referring domains (Majestic) | 2 | 1 |
|---|
5 details filled in for both companies.
More alternatives to Payclave More alternatives to Century VTU