One single integration for all of Africa.
K-PAY gives businesses, merchants and platforms a unified infrastructure to collect and disburse funds — Mobile Money, cards and international wallets.
- No commitment
- No credit card
- Free sandbox
Live coverage
12 · 23- BENBéninMTN · MoovXOF
- CMRCamerounMTN · OrangeXAF
- CIVCôte d'IvoireMTN · OrangeXOF
- CODRD CongoVodacom M-Pesa · Airtel · OrangeCDF/USD
- GABGabonAirtelXAF
- KENKenyaM-PesaKES
- COGCongoAirtel · MTNXAF
- RWARwandaAirtel · MTNRWF
- SENSénégalFree · OrangeXOF
- SLESierra LeoneOrangeSLE
- UGAOugandaAirtel · MTNUGX
- ZMBZambieAirtel · MTN · ZamtelZMW
One key, one endpoint. The local currency is applied based on the payer country.
- 12
- Countries covered
- 23
- Connected operators
- 4
- Collection channels
- 24/7
- Support available
They trust us
- Formaneo
- ASSO Market Place
- Ngoma Market
- Tabaya
- Weylo
- Estuaire Emploi
- PlugBet
Today
dashboard.k-pay.appVolume
2 485 000XAF
Transactions
184
Success rate
99,2%
- pay_8x2kMobile Money5 000 XAFSuccess
- pay_7j1mMobile Money12 500 XAFSuccess
- pay_6h9nCard3 200 XAFPending
- pay_5c4pMobile Money48 000 XAFSuccess
One platform
An integrated suite for your payments.
K-PAY provides all the building blocks you need to collect, process and disburse funds. One API. One dashboard. All methods.
Collections
Accept all payments
Mobile Money, Visa and Mastercard cards, international wallets and stablecoin — via a single integration for 12 African countries.
Learn moreDevelopers
An API built for fast integration
Clear REST endpoints, unlimited sandbox environment and interactive documentation. From test key to production without friction.
View the docsSecurity
Traceable and compliant
TLS encryption, signed keys, full audit log and identity verification before going live.
Our approachCollection channels
The right channel, for your technical level.
API
REST endpoints, signed webhooks and idempotency for a custom integration.
Payment links
A link to share by email, SMS, social media or QR code — no development needed.
USSD
Collection by USSD code with a customisable label displayed to the customer.
Web portal
A ready-to-use interface to initiate and track payments.
Payment methods
Your customers pay the way they want.
Mobile Money
Major operators across the 12 countries covered, for both deposits and withdrawals.
Bank cards
Visa and Mastercard.
Virtual prepaid card
Issue and top up for your online purchases and subscriptions.
International wallets
Apple Pay, Google Pay, Amazon Pay, WeChat Pay, Revolut Pay, Satispay.
Local & deferred methods
Klarna, Bancontact, EPS, Pauline.
Crypto assets
Tether stablecoin (USDT).
Availability of each method depends on the country and flow type.
For developers
Built for developers.
Consistent REST endpoints, idempotency, signed webhooks, unlimited sandbox environment. Everything you need to integrate K-PAY in minutes.
Consistent REST API
Simple, predictable and well-documented endpoints.
Signed webhooks
Reliable notifications with signature and retry.
Unlimited sandbox
Test for free, without limits, without commitment.
Logs and debugging
Inspect every request from the dashboard.
const res = await fetch("https://api.k-pay.app/v1/payments", {
method: "POST",
headers: {
"Authorization": "Bearer kp_live_••••••••",
"Content-Type": "application/json",
},
body: JSON.stringify({
amount: 5000,
currency: "XAF",
provider: "orange_cmr",
customer: "+237 6 00 00 00 00",
}),
});
const payment = await res.json();
// → { id: "pay_8x2k", status: "pending" }How to get started
Live in three steps.
From sign-up to your first payment received, without friction.
- 01
Create your account
Sign up in seconds. Get your sandbox keys immediately.
- 02
Choose your channel
API, payment link, USSD or web portal. The documentation guides every step.
- 03
Go live
After identity verification, collect and disburse real payments.
Solutions
Built for every profile
Enterprise, developer or creator — K-PAY adapts to your needs.
Enterprises & marketplaces
Collect and disburse at scale on a single platform, with centralised tracking and dedicated support.
- Unified deposits and withdrawals
- Dashboard & reporting
- Priority support
- Volume pricing
Developers
A clear REST API, signed webhooks and an unlimited sandbox to integrate payments in minutes.
- Full REST API
- Real-time webhooks
- Unlimited sandbox
- Detailed documentation
Students & creators
Integrate payments into your projects without friction: payment links, web portal and ready-to-use examples.
- Payment links
- Ready-made web portal
- Code examples
- Active community
Why K-PAY
Built to move fast
12 countries, one integration
A single technical connection to access 12 African markets.
Deposits and withdrawals
Collect and disburse funds on the same platform.
Fast integration
API, payment link, USSD or web portal — you choose.
Reliable and secure
Traceable transactions, compliant with international standards.
Reporting included
Real-time tracking and detailed Excel / PDF exports.
Active support
Dedicated assistance and integrated messaging every day.
They trust us
African companies on the move.
From marketplaces to jobs and services, K-PAY supports projects that scale.
Formaneo
Formation en ligne
ASSO Market Place
Place de marché
Ngoma Market
Commerce en ligne
Tabaya
Services
Weylo
Mobilité
Estuaire Emploi
Emploi
PlugBet
Divertissement
Trust & compliance
What protects your funds.
Encrypted transport
All API traffic runs over TLS. Access keys are separate between sandbox and production.
Signed webhooks
Every notification carries a verifiable signature, with automatic retries. You know an event really came from us.
Audit log
Every sensitive operation is timestamped and viewable from the dashboard, for your reconciliation and controls.
Verification before production
Each account is identity-verified before any real collection. The sandbox stays open with no conditions.
FAQ
Frequently asked questions
K-PAY covers 12 African countries through a single integration: Benin, Cameroon, Congo-Brazzaville, Ivory Coast, DR Congo, Gabon, Kenya, Rwanda, Senegal, Sierra Leone, Uganda and Zambia.
Mobile Money via major operators across the 12 countries covered, Visa and Mastercard, virtual prepaid cards, international wallets (Apple Pay, Google Pay and more), local deferred payment methods and USDT stablecoin. Availability depends on the country and flow type.
A single fee applied to each transaction, for both deposits and withdrawals. The exact rate per country and operator is displayed in real-time on our Pricing page. No hidden setup fees: you pay as you go.
A few minutes to get started in sandbox. Create your account, get your test keys immediately, integrate an API call or generate a payment link, then go live after identity verification.
No. Beyond the API, K-PAY offers shareable payment links, USSD payment and a ready-to-use web portal. Everyone can choose the channel suited to their technical level.
REST API integration, shareable payment links (email, SMS, QR code), USSD code payment and web portal. Manage everything from a dashboard with Excel and PDF exports.
Your sandbox keys are available upon registration. To activate production keys, complete identity verification (KYC) from your dashboard. Once approved, you collect real payments.
A messaging system is built into your dashboard, and our team is reachable by phone and WhatsApp. You can also join the K-PAY WhatsApp community to chat and get help.
Another question? Check our pricing or write to us via the assistant at the bottom right.
Assistant K-PAY
Instant answers