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Payments

Accept mobile money and cards with a single integration.

Create the payment from your server: Wajub picks the connection, takes the request to the operator and notifies you of the result. If a mobile money connection is down, Wajub tries the next one within the same request.

Create a free accountRead the docs 
  • Signed webhooks
  • Built-in idempotency
DashboardWajubOperatorsYour serverYour appPaymentsTrack and manage your customer transactionsPayment methodAmountStatus•••• 4242VisaFCFA 12,000Succeeded+237 680 •• •• 88MTN MoMoFCFA 4,500RoutedSucceeded+237 699 •• •• 72Orange MoneyFCFA 27,500Succeeded9:41Boutique NkoloOrder #4172TotalFCFA 15,000Mobile Money number+237Pay FCFA 15,000

They get paid with Wajub

  • Laravel Cameroun
  • Moniwa
  • Trelund
  • Komerxe
  • Goshen Tabernacle

Why Wajub Payments

Everything collecting payments takes, already built.

Routing, failover, webhooks and refunds: Wajub handles them, and every step shows on the payment's page in the Dashboard.

  1. No provider in your code

    You create the payment, and Wajub picks the connection once the customer's number is known. The API has no provider field: add, remove or reorder your connections in the Dashboard, without redeploying.

  2. An outage doesn't cost the sale

    If a mobile money connection is down, Wajub tries the next one within the same request: your customer doesn't start over. If a connection receives the request and then goes silent, the payment stays pending so it can't be charged twice.

  3. The result reaches your server

    Every payment event goes out as a webhook signed with HMAC-SHA256. If your server returns an error or doesn't answer, Wajub retries at growing intervals for 72 hours, and every delivery shows on the payment's page.

  4. Refund without leaving the Dashboard

    Full or partial refunds, from the payment's page or through the API. You choose who pays the fees, and the customer is notified.

Coverage

69 payment channels in 24 countries.

Your app starts the payment on the operator your customer picks. Every channel listed here is available in the API, with the connections able to carry it.

See every payment method 

  • Benin

    MTN MoMo, Moov Money

  • Burkina Faso

    Orange Money, Moov Money, Wave

  • Cameroon

    MTN MoMo, Orange Money, Wave, Express Union

  • Congo - Brazzaville

    MTN MoMo, Airtel Money

  • Congo - Kinshasa

    MTN MoMo, Orange Money, Airtel Money, M-Pesa, Africell Money, Vodacom M-Pesa

  • Côte d’Ivoire

    MTN MoMo, Orange Money, Moov Money, Wave, Djamo

  • Gabon

    Airtel Money, Moov Money

  • Ghana

    MTN MoMo, Telecel Cash, AirtelTigo Money

  • Guinea

    MTN MoMo, Orange Money

  • Kenya

    Airtel Money, M-Pesa

  • Liberia

    MTN MoMo

  • Malawi

    Airtel Money, TNM Mpamba

  • Mali

    Orange Money, Moov Money

  • Mozambique

    M-Pesa

  • Niger

    Airtel Money, Moov Money

  • Nigeria

    MTN MoMo, Bank account debit, Bank transfer, Transfer to a dedicated account, USSD

  • Rwanda

    MTN MoMo, Airtel Money

  • Senegal

    Orange Money, Wave, Djamo, Free Money

  • Sierra Leone

    Orange Money

  • South Africa

    Capitec Pay, EFT, QR

  • Tanzania

    Airtel Money, M-Pesa, HaloPesa, Tigo Pesa, Vodacom M-Pesa, Zantel

  • Togo

    Moov Money, T-Money, Togocel

  • Uganda

    MTN MoMo, Airtel Money, Wave

  • Zambia

    MTN MoMo, Airtel Money, Zamtel Money

For developers

Two calls to get paid, one webhook to confirm it.

Your server creates the payment, then starts it on your customer's number. Wajub sends you a signed webhook as soon as the payment succeeds. In sandbox, the last six digits of the test number decide the outcome.

Direct API guide API reference 

POST /paymentsCreate the payment
Amount, currency, a customer contact (email, phone or customer ID) and your reference. An idempotency key prevents a duplicate if the call is replayed.
POST /payments/{id}Start the payment
Pass the channel and the customer's number. Wajub picks the connection that carries this channel, and the response holds the message to show your customer while they confirm.
payment.succeededReceive the webhook
A signed event reaches your server as soon as the payment succeeds. If it is not received, Wajub retries for 72 hours.
GET /payments/{id}Read the payment back
Before you deliver, read the payment by its ID: its status is the one that counts.
import { Wajub } from '@wajub/node'

const wajub = new Wajub({ secretKey: process.env.WAJUB_SECRET_KEY! })

const payment = await wajub.payments.create(
  {
    amount: 15000,
    currency: 'XAF',
    phone: '+237677123456',
    reference: 'order-4172',
  },
  { idempotencyKey: 'order-4172' },
)
await wajub.payments.process(
  payment.id,
  { channel: 'cm.mtn', data: { phone: '+237677123456' } },
  { idempotencyKey: 'charge-order-4172-1' },
)

// Webhook
const event = wajub.webhooks.constructEvent(rawBody, signature, timestamp)
const paid = await wajub.payments.retrieve(String(event.data.id))
if (paid.status === 'succeeded') await fulfil(paid.reference)

Response202 Accepted

{  "code": 202,  "status": "Accepted",  "message": "Confirm the transaction on your phone.",  "transaction": {    "id": "trx_7Hq2LmX9pR4tVb8KcN3w",    "status": "processing",    "channel": "cm.mtn"  }}

WebhookX-Wajub-Signature

{  "event": "payment.succeeded",  "data": {    "id": "trx_7Hq2LmX9pR4tVb8KcN3w",    "reference": "order-4172",    "amount": 15000,    "currency": "XAF",    "status": "succeeded"  },  "livemode": true}

Response202 Accepted

{  "code": 202,  "status": "Accepted",  "message": "Confirm the transaction on your phone.",  "transaction": {    "id": "trx_7Hq2LmX9pR4tVb8KcN3w",    "status": "processing",    "channel": "cm.mtn"  }}

WebhookX-Wajub-Signature

{  "event": "payment.succeeded",  "data": {    "id": "trx_7Hq2LmX9pR4tVb8KcN3w",    "reference": "order-4172",    "amount": 15000,    "currency": "XAF",    "status": "succeeded"  },  "livemode": true}

Pricing

No subscription to start, payments included in every plan.

Pay as you go has no subscription and no setup fee. Payments through your own connections are included up to your plan's quota, then billed per payment. On the Wajub rail, a commission applies depending on the plan.

See full pricing 
FeaturePay as you go$0You only pay for usage beyond the quotaGrowthRecommended$17/ monthBilled monthly, no commitmentScale$52/ monthBilled monthly, no commitmentEnterpriseCustom
Payments included per month2001,0005,000Unlimited
Per payment beyond$0.23$0.17$0.11$0.09
Connections26UnlimitedUnlimited
API rate limit120 / min360 / min720 / minUnlimited
Wajub rail commissionfrom 2%from 1.7%from 1.5%from 1.2%

  • Pay as you go

    $0

    You only pay for usage beyond the quota

    Payments included per month
    200
    Per payment beyond
    $0.23
    Connections
    2
    API rate limit
    120 / min
    Wajub rail commission
    from 2%

  • Growth

    Recommended

    $17

    / month

    Billed monthly, no commitment

    Payments included per month
    1,000
    Per payment beyond
    $0.17
    Connections
    6
    API rate limit
    360 / min
    Wajub rail commission
    from 1.7%

  • Scale

    $52

    / month

    Billed monthly, no commitment

    Payments included per month
    5,000
    Per payment beyond
    $0.11
    Connections
    Unlimited
    API rate limit
    720 / min
    Wajub rail commission
    from 1.5%

  • Enterprise

    Custom

    Payments included per month
    Unlimited
    Per payment beyond
    $0.09
    Connections
    Unlimited
    API rate limit
    Unlimited
    Wajub rail commission
    from 1.2%

Subscriptions and add-ons are billed in CFA francs, or in euros by card at the fixed rate of 655.957 CFA francs. Amounts in your currency are indicative, at today's rate.

Other ways to get paid

Get paid at checkout and by link too.

Checkout and Link open the same payment methods and report to the same Dashboard as your API payments.

  • Checkout

    Payment page hosted by Wajub, with your logo and colours.

    • Mobile money and cards
    • French and English

    Explore Checkout 

  • Link

    Get paid with a simple link: product, event, fundraising, donation.

    • 25 links included, no subscription
    • Mobile money and cards

    Explore Link 

Frequently asked questions

Another question? Talk to the team

How long does a Wajub Payments integration take?
Two calls and a webhook: you create the payment, start it on the customer's number, then verify the webhook. The direct API guide walks through it in sandbox, end to end.
What are the transaction fees?
On the Wajub rail, a fee applies to each payment depending on your plan. With your own connections, your provider bills you under your contract, and Wajub bills the subscription and orchestration usage beyond the included quota. Details are on the Pricing page.
Which currencies can I accept?
A currency can be accepted as soon as one of your connections carries a channel in it: XAF on MTN MoMo in Cameroon, XOF on Wave in Senegal, for example. The exchange rate is locked when the payment starts.
How do I confirm a payment really succeeded?
Server-side, with GET /payments/{id} or the payment.succeeded webhook. The customer's return to your site is for display, not fulfilment: a return URL can be edited by hand.
Can I use my secret key in a web app?
No, it stays on your server. A secret key used from a browser is refused, and its owner is notified by email.

Take your first payment today.

Create your account, run your first payments in sandbox with test numbers, then go live with your live keys.

Create a free accountFollow the direct API guide