Wajub is a payment orchestration layer. You integrate one API; for every payment, Wajub picks among your connections (the Wajub rail in 14 countries, on request, or your own accounts at CinetPay, pawaPay, Flutterwave and others) which one to try, and in what order. Wajub is a technology platform, not a payment institution.

What happens when a connection goes down?

For a mobile money payment, Wajub immediately sends it through another of your connections able to carry it, within the same request: your customer does not have to start again. If the customer declines (insufficient balance, wrong number), Wajub does not prompt them a second time. A card payment is never replayed on another gateway. Every attempt is visible in the Konsole routing log.

What payment methods are supported?

Mobile money (MTN MoMo, Orange Money, Wave, Moov Money, Free Money, Airtel Money, M‑Pesa, Express Union and others), bank transfers and USSD in Nigeria, and cards through your accounts at Stripe, Flutterwave, Paystack, CinetPay, FedaPay, KkiaPay or PayPal. The Payment methods page lists every channel by country and the connections that carry it.

Can I try Wajub for free?

Yes. The sandbox is free with no time limit: it validates your integration end to end (payment creation, webhooks, idempotency). Routing across several connections runs in production, where you can check it on small amounts.

Does fallback protect against an operator outage?

It protects against a connection outage: if CinetPay is unreachable, your MTN payments can go through pawaPay or Flutterwave, if you have connected them. If the operator itself is down, every route to it is affected; every attempt remains visible in the routing log.

Payment orchestration for Africa

An outage should never cost you a sale.

Accept mobile money and cards across Africa with a single integration. If a mobile money gateway goes down during a payment, Wajub sends it through another of your connections: your customer does not start again.

Create a free account See routing in action

Free sandbox, no time limit
24 countries, 69 channels
No setup fees

They get paid
with Wajub

Why Wajub

More revenue,less dependency,less complexity.

Your current gateways become parallel connections. Wajub picks the one that carries each payment; for mobile money, it moves to the next one when the first goes down.

How orchestration works

More revenue
For mobile money, a payment whose connection goes down goes through another one. The sale is not lost.
Less dependency
You add, remove or rank your connections in the Dashboard, without touching your code.
Less complexity
The operators of all your connections, behind a single integration and a single Dashboard.

Failover

A connection goes down.The next one takes over.

For mobile money, if the chosen connection goes down during a payment, Wajub sends the same request to another one. Your customer sees a single payment; you see everything in the Dashboard.

A card payment is never replayed on another gateway: failover is for mobile money.

See how failover works

Your Dashboard

Paymentspay_8Qm2Lx7VtN4cRw

FCFA 15,000

SucceededSucceeded

pay_8Qm2Lx7VtN4cRwToday, 14:01

ReceiptRefund

What happened

Events and gateway calls on a single timeline, from creation to the outcome of the payment.

2 attempts, 2 gateways

Payment created
14:01
Created from the API.
Payment page opened
14:01
The customer chose Orange Money.
CinetPayci.orange
FailedFailedGateway unreachable
+225 07 •• •• •• 78Mobile money
14:02
pawaPayci.orange
SucceededSucceeded
+225 07 •• •• •• 78Mobile money
14:02
Payment succeeded
14:02
Funds confirmed by the gateway.

Payment method

+225 07 •• •• •• 78

Orange Money

Mobile money

Routed through

pawaPayci.orange

Details

Merchant reference

order-4172

Your customer

Boutique Nkolo

Secured by Wajub

Pay in XOFEnglish

Total

FCFA 15,000

1 item

Country

Côte d'Ivoire

Choose a payment method

Mobile MoneyRecommended

Bank card

Mobile MoneyChange

Orange Money

MTN MoMo

Phone number

+22507 12 34 56 78

Pay FCFA 15,000

Orange Money

Check your phone. No code to enter.

+225 07 12 34 56 78

Payment successful

FCFA 15,000

Orange Money: +225 07 12 34 56 78
Reference: order-4172

Payment failed

Payment declined by the issuer.

Try again

Coverage

African mobile money,behind a single API.

In 24 African countries, your customers pay with what they already use: Orange Money, MTN MoMo, Wave, Moov Money, Airtel Money, M-Pesa. In Nigeria, bank and USSD payments come on top of mobile money; in South Africa, customers pay by bank and QR.

Cards come on top wherever your card provider supports them.

See coverage country by country

countries: 24
payment channels: 69

West Africa, WAEMU zone
- Benin
  - Moov Money
  - MTN MoMo
- Burkina Faso
  - Moov Money
  - Orange Money
  - Wave
- Côte d'Ivoire
  - Djamo
  - Moov Money
  - MTN MoMo
  - Orange Money
  - Wave
- Mali
  - Moov Money
  - Orange Money
- Niger
  - Airtel Money
  - Moov Money
- Senegal
  - Djamo
  - Free Money
  - Orange Money
  - Wave
- Togo
  - Moov Money
  - T-Money
Central Africa, CEMAC zone
- Cameroon
  - Express Union
  - MTN MoMo
  - Orange Money
  - Wave
- Congo
  - Airtel Money
  - MTN MoMo
- Gabon
  - Airtel Money
  - Moov Money
Other West African countries
- Ghana
  - AirtelTigo Money
  - MTN MoMo
  - Telecel Cash
- Guinea
  - MTN MoMo
  - Orange Money
- Liberia
  - MTN MoMo
- Nigeria
  - MTN MoMo
  - Bank
  - USSD
- Sierra Leone
  - Orange Money
East Africa
- Kenya
  - Airtel Money
  - M-Pesa
- Rwanda
  - Airtel Money
  - MTN MoMo
- Tanzania
  - Airtel Money
  - HaloPesa
  - M-Pesa
  - Tigo Pesa
  - Mobile money
- Uganda
  - Airtel Money
  - MTN MoMo
  - Wave
DR Congo and Southern Africa
- DR Congo
  - Africell Money
  - Airtel Money
  - M-Pesa
  - MTN MoMo
  - Orange Money
- Malawi
  - Airtel Money
  - TNM Mpamba
- Mozambique
  - M-Pesa
- South Africa
  - Capitec Pay
  - Bank
  - QR
- Zambia
  - Airtel Money
  - MTN MoMo
  - Zamtel Money

Products

Accept, route, pay out,with a single integration.

Everything you need to accept payments and pay out, on a single platform. Same API, same webhooks, same routing: each product strengthens the others.

The engine

OrchestrationAutomatic switch to another gateway

See all products

Collect

Pay out and invoice

Operate

Developers

A payment takes a single call.Without code, a single link.

You send an amount, a currency and a customer. Wajub picks the connection when your customer confirms: no provider appears in your code.

The sandbox is free, with no time limit.

Read the docs

No code

Create a payment link or an invoice from the Dashboard, then share it on WhatsApp, by email or as a QR code.

wajub.link

Discover Link

With WordPress

The official plugin adds Wajub to WooCommerce, GiveWP, LearnDash, MemberPress, Gravity Forms and four other extensions. You paste your keys, and that is it.

[wajub_pay]

Install the plugin

With the API

Node.js, PHP, Python, Go, Ruby, Java and .NET SDKs, signed webhooks and a CLI that forwards them to your machine.

POST /payments

Quickstart

const payment = await wajub.payments.create({
  amount: 5000,
  currency: 'XAF',
  customer: { email: '[email protected]' },
  reference: 'order-4172',
  callback: 'https://shop.example.com/order/complete',
})

Response201 Created

{  "code": 201,  "transaction": {    "id": "trx_test_CSUGajfv9xh0",    "amount": 5000,    "status": "pending"  }}

Get started

Wherever you are today,with or without a provider.

Wajub builds on your current contracts, or lets you start without one.

You already have a provider

Keep your pawaPay, Flutterwave, or CinetPay accounts: they plug straight into Wajub. Add a second connection on the same mobile money operator, and your payments have a backup route.

See available connections

21 connections available in 24 countries

You do not have a provider contract yet

In 14 countries, the Wajub rail accepts MTN MoMo, Orange Money, Airtel Money, Moov Money, and more without signing anything with a provider, on request from the dashboard. Elsewhere, the team points you to the connection that is quickest to open.

Create a free account

14 countries: no provider contract

Start for free

Pay as you go with no subscription, Growth at $17 per month, no setup fees.

See pricing

Security

Protections on by default,for you and your customers.

Nothing to switch on: these measures apply to every account, on every plan.

All about security Integration best practices

Signed webhooks: Every delivery carries an HMAC-SHA256 signature, with a secret per endpoint, and is only sent over HTTPS in production.X-Wajub-Signature
Card numbers entered with the provider: Your customers type them into the card provider's fields or payment window: they never reach Wajub.
Isolated sandbox: Sandbox and production have separate databases: a key from one never reads the other's data.
Secret keys kept server-side: A secret key used from a browser is rejected, and its owner is notified by email.
Encrypted credentials: The credentials you provide to connect your provider accounts are stored encrypted.
2FA and team roles: App-based two-factor authentication, enforceable for the whole team and required for sensitive actions, with a role per member.

What you can check

Frequently asked questions

Another question? Talk to the team

What is Wajub?: Wajub is a payment orchestration layer. You integrate one API; for every payment, Wajub picks among your connections (the Wajub rail in 14 countries, on request, or your own accounts at CinetPay, pawaPay, Flutterwave and others) which one to try, and in what order. Wajub is a technology platform, not a payment institution.
What happens when a connection goes down?: For a mobile money payment, Wajub immediately sends it through another of your connections able to carry it, within the same request: your customer does not have to start again. If the customer declines (insufficient balance, wrong number), Wajub does not prompt them a second time. A card payment is never replayed on another gateway. Every attempt is visible in the Konsole routing log.
What payment methods are supported?: Mobile money (MTN MoMo, Orange Money, Wave, Moov Money, Free Money, Airtel Money, M‑Pesa, Express Union and others), bank transfers and USSD in Nigeria, and cards through your accounts at Stripe, Flutterwave, Paystack, CinetPay, FedaPay, KkiaPay or PayPal. The Payment methods page lists every channel by country and the connections that carry it.
Can I try Wajub for free?: Yes. The sandbox is free with no time limit: it validates your integration end to end (payment creation, webhooks, idempotency). Routing across several connections runs in production, where you can check it on small amounts.
Does fallback protect against an operator outage?: It protects against a connection outage: if CinetPay is unreachable, your MTN payments can go through pawaPay or Flutterwave, if you have connected them. If the operator itself is down, every route to it is affected; every attempt remains visible in the routing log.

Accept payments in 24 countries with a single integration.

Create your account for free, test in the sandbox, then go live when your connections are ready.

Create a free account Read the docs

An outage should never cost you a sale.

More revenue,less dependency,less complexity.

More revenue

Less dependency

Less complexity

A connection goes down.The next one takes over.

African mobile money,behind a single API.

West Africa, WAEMU zone

Central Africa, CEMAC zone

Other West African countries

East Africa

DR Congo and Southern Africa

Accept, route, pay out,with a single integration.

The engine

Collect

Pay out and invoice

Operate

A payment takes a single call.Without code, a single link.

No code

With WordPress

With the API

Wherever you are today,with or without a provider.

You already have a provider

You do not have a provider contract yet

Start for free

Protections on by default,for you and your customers.

What you can check

Frequently asked questions

Accept payments in 24 countries with a single integration.