Wasted Developer Hours
Stop burning sprint cycles on ledger logic and conditional routing!
PEPPAREST
Stop building payment ledgers. Start shipping epic marketplace features!
Pepparest is your conditional payment orchestration engine. We handle the heavy lifting of multi-party splits, escrow, and commission rules so your engineering team doesn't have to stress over complex payment plumbing!
POST /v1/orchestrations
{
"amount": 250000,
"currency": "NGN",
"conditions": ["kyc_verified", "delivery_confirmed"],
"splits": [
{ "party": "vendor_8842", "share": "82%" },
{ "party": "logistics_114", "share": "12%" },
{ "party": "platform", "share": "6%" }
],
"release": "auto_on_conditions_met"
}
Multi-party payments don't have to be an engineering trap!
Routing money between buyers, platforms, and multiple sellers seems simple—until you hit refunds, chargebacks, and rolling reserves. Building this internally drains your resources and creates a massive headache for your team. We are here to help!
Messy Reconciliation
Eliminate those month-end spreadsheet nightmares for your finance team.
Rigid Architecture
Stop letting hard-coded payment flows keep you from testing awesome new monetization models.
One simple integration. Total control over your value movement!
Collect
Aggregate inbound value from cards, transfers, and platform balances into a securely controlled orchestration ledger.
Apply Logic
Layer conditions, KYC signals, escrow rules, and partner policies before any value moves further.
Release
Trigger automated, instant settlement to beneficiaries the moment every condition clears!
Built for the way you build!
B2B Marketplaces
Automate vendor payouts, split payments, and deduct platform commissions instantly.
FAQ
Pepparest questions, answered
What technical and commercial teams ask before building on Peppa's conditional payment orchestration engine.
Pepparest is Peppa's conditional payment orchestration engine. It collects inbound value, applies configurable logic such as splits, escrow, commissions and compliance checks, then releases settlement automatically once every condition is met — all through a single API integration.
It is infrastructure software that sits between your product and payment providers. Instead of sending money straight to one account, it holds value in a programmable ledger, checks every rule you define — KYC status, delivery confirmation, escrow windows, split percentages, commission caps — and only releases funds to the right parties when all conditions are satisfied. Think of it as an if-this-then-settle layer for multi-party money movement.
A gateway moves money from a payer to one account. Pepparest sits above the gateway and decides what happens to that money: who gets paid, how much, in what order, and under which conditions. You keep your existing processors and add programmable settlement logic on top.
Yes. You can define percentage or fixed-value splits across any number of beneficiaries, hold funds in escrow until milestones or delivery events are verified, and release automatically when conditions clear — with a full audit trail for every state change.
Most engineering teams get a first live flow running in weeks rather than months. You integrate one API for collection, logic and payout instead of building ledger, reconciliation and routing services in-house.
Yes. Pepparest runs behind your brand. Your customers see your platform across every touchpoint, while Peppa stays invisible infrastructure.
Peppa operates as enterprise software middleware. Fiat accounts, FX and regulated compliance validations remain inside the perimeter of licensed partner institutions, while Pepparest orchestrates the conditions, records and settlement instructions.
Pepparest is offered in Standard, Premium and Platinum tiers with annual or quarterly billing and capped orchestration markups. Full tier-by-tier detail is published on the Peppa pricing page.
Ready to scale your community?
Get battle-tested orchestration built for enterprise volumes. Talk to our team to structure a deployment that fits your exact needs, or check out our transparent pricing!