Move money across Africa with one API.
Capay collects mobile money and bank payments in 20 African markets and pays out to mobile wallets, through licensed partners and a direct MTN Mobile Money integration. Hosted checkout, signed webhooks, a double-entry ledger, and an AI copilot in your dashboard that knows your payments.
Sandbox in minutes. No setup fees. Go live after verification.
- AI copilot included
- Sandbox in minutes
- Double-entry ledger
- Site in 34 languages
One integration, a continent of rails
Bright lights are markets with live rails today: collections everywhere we operate, payouts where noted. The soft lights are where the network goes next. Drag the globe.
20 markets with live rails today
- Cameroon
- Gabon
- Uganda
- Kenya
- Ghana
- Tanzania
- Côte d'Ivoire
- Senegal
- Congo
- Benin
- Rwanda
- DR Congo
- Zambia
- Sierra Leone
- Burkina Faso
- Mali
- Togo
- Guinea
- Niger
- Nigeria
On larger screens, this section becomes an interactive globe.
Rail-by-rail detail for every market lives on the coverage page. See coverage
Checkout your customers already trust
Share a hosted checkout link or call the API directly. Your customer gets a prompt on their phone, you get a signed webhook and a real-time status you can poll.
- Hosted checkout on pay.capayglobal.com, branded with your business name
- Direct API for your own checkout, with an idempotency key on every request
- Mobile money prompts pushed straight to the customer's phone
- Fee breakdown on every transaction: platform, provider and net amount
Run your money operation from one dashboard
The same portal every Capay merchant uses, shown with sandbox demo data.
- Live balances per currency with every movement in a double-entry ledger
- Payouts above your approval threshold pass maker-checker before money leaves.
- API keys, webhooks and logs beside the money, not in a second tool
Accept USDT, USDC and other coins, settled in US dollars
Add crypto to the same API and the same checkout. Each payment gets its own address, the exact amount to send and a live status page, and you get a signed webhook the moment the network confirms it.
- USDT and USDC on Tron, BNB Smart Chain, Ethereum, Solana, Polygon, Arbitrum, Avalanche and Base
- Bitcoin, Ether and 12 other coins, priced at a rate locked for 30 minutes
- A hosted pay page with QR code, network warning and live confirmation, in 23 languages
- See what each customer was asked against what they sent, on every payment
- Refund to the customer's own wallet from the dashboard or the API
Stablecoins, 1 to 1 with the US dollar
- USDTTRC20 · BEP20 · ERC20 · SOL · POLYGON · ARBITRUM · AVAXC
- USDCBEP20 · ERC20 · SOL · POLYGON · ARBITRUM · AVAXC · BASE
Other coins
BTC · ETH · BNB · SOL · TRX · LTC · BCH · DOGE · ADA · POL · XAUT · SHIB · PEPE · EIGEN
Customers send the exact amount shown
The pay page tells them to add their exchange's withdrawal fee. Paying more completes the payment; paying less is never accepted and is refunded.
- +237 6•• ••• ••2XAF 45,000Completed
- +241 0•• ••• ••7XAF 120,000Processing
- +256 7•• ••• ••4UGX 850,000Enqueued
Send money out with controls built in
Disburse to mobile wallets and bank accounts in every live market, from Cameroon and Kenya to Ghana, Tanzania and Nigeria. Every payout passes your approval rules before a franc moves.
- Maker-checker approvals on money leaving your balance
- Per-country float monitoring with alerts before a wallet runs dry
- A circuit breaker that pauses a rail when it degrades, instead of failing your batch
- Every movement recorded in a double-entry ledger, in minor units
Your first collection in one request
Clean REST, a predictable JSON envelope and a request id on every response. The sandbox mirrors production: same API, same statuses, same webhooks.
- Sandbox and production keys, scoped per app
- HMAC-signed webhooks with replay protection
- Idempotency keys on every money-moving call
- Typed errors that tell you exactly what to fix
- OpenAPI spec, Postman collection and llms.txt, all published
- Hosted checkout sessions and flat callbacks for CRM, ERP and shop connectors
curl https://api.capayglobal.com/v1/collections \
-H "Authorization: Bearer sk_test_..." \
-H "Idempotency-Key: 9f1c-collect-01" \
-H "Content-Type: application/json" \
-d '{
"amount": "2500",
"currency": "XAF",
"country": "CM",
"method": "mobile_money",
"msisdn": "2376XXXXXXXX",
"merchant_reference": "order-1042"
}'{
"status": "success",
"data": {
"id": "col_9xKQ2mD41Vb8",
"object": "collection",
"status": "pending",
"amount": "2500",
"currency": "XAF",
"country": "CM",
"method": "mobile_money",
"merchant_reference": "order-1042",
"fees": {
"platform_fee": "50",
"provider_fee": "0",
"total_fee": "50",
"bearer": "merchant"
},
"net_amount": null,
"livemode": false,
"created_at": "2026-08-30T12:04:11Z"
},
"request_id": "req_b0f3d2c1"
}Live where your customers are
Collections live in 20 African markets, payouts live in 20 and expanding. Local rails, local currencies, one contract.
Mobile money and bank rails through licensed partners and a direct MTN Mobile Money integration. New corridors open continuously.
Pricing you can plan around
No setup fees, no monthly fees, no minimums. You see the exact fee schedule for your corridors in the dashboard before you go live.
- Mobile money and bank collections
- Hosted checkout included
- Fee decomposition on every transaction
- Mobile wallet disbursements
- Maker-checker approvals included
- Per-corridor rates shown up front
- No setup or monthly fees
- Free unlimited sandbox
- Negotiated per-merchant rates when volume justifies them
Secured end to end, like the banks you already trust
Encrypted in transit and at rest, hardened at every layer and audited on every action. Capay Global runs on the controls banks and card networks demand, so your money and your customers' data are protected from the first tap to the last settlement.
- TLS encryption in transit
- AES-256 encryption at rest
- HTTPS enforced with HSTS
- PCI DSS: no card data on our systems
- SOC 1 & SOC 2 control framework
- Two-factor authentication
- Row-level data isolation
- Immutable audit trail
- Maker-checker payouts
- KYB, AML & sanctions screening
- Full security review, October 2026
Encrypted in transit
Every byte between your systems, your customers and Capay Global travels over TLS. HTTPS is enforced on every domain with HTTP Strict Transport Security, so a downgrade to plain HTTP is impossible, and every page and API response is served through an edge network that never exposes an unencrypted origin.
Encrypted at rest
Databases and file stores are encrypted at rest with AES-256. Verification documents live in a private store that only the business's own managers and authorised Capay staff can open, through links that expire in 300 seconds. Secrets sit in locked tables that no application role can read.
No card data ever touches us
Our platform never receives, stores, processes or transmits a card number or CVV. Card-shaped data is rejected at the API edge and refused again inside the database, so card payments run only on hosted pages inside our partners' PCI DSS scope.
Money that cannot go missing
Every movement is a balanced journal on a double-entry ledger in minor units, and the database refuses an unbalanced entry. Idempotent references stop double charges, every payout above your threshold needs a second approver, and kill switches and circuit breakers stop a rail the moment it misbehaves.
Hardened identity and access
Two-factor authentication with fail-closed gates for your team and ours, row-level security on every table, role-scoped permissions, and privileged actions that require a written reason and land in an append-only audit log that can never be edited or deleted.
API keys and webhooks, bank-grade
API keys are hashed with SHA-256 and shown once. Per-key and per-IP rate limits, IP allowlists, daily spend caps and one-click rotation. Webhooks are signed over the raw body, verified with constant-time comparison, protected against replay, and every provider callback is re-checked at the source before money moves.
Compliance built in
KYB with document checks, beneficial-owner identification and sanctions screening before any business goes live, continuous AML monitoring, seven-year retention of financial records, and a control framework mapped to the SOC 1 and SOC 2 Trust Services Criteria and to the PCI DSS no-cardholder-data posture.
Hardened infrastructure
Served from AWS CloudFront behind Cloudflare with origin access control and no public storage, strict browser headers (no framing, Permissions-Policy, cross-origin isolation), edge access logs retained 400 days, dependency audits on every build, and a sandbox that is physically unable to reach a real provider.
Capay Global provides payment technology. Regulated payment services are delivered through licensed partners.
Questions, answered
Which countries can I collect payments in?
Collections are live in Cameroon, Gabon, Uganda, Kenya, Ghana, Tanzania, Côte d’Ivoire, Senegal, Congo - Brazzaville, Benin, Rwanda, Congo - Kinshasa, Zambia, Sierra Leone, Burkina Faso, Mali, Togo, Guinea, Niger, and Nigeria, and new markets open continuously.
Which payment methods are supported?
Mobile money is the core rail: MTN Mobile Money, Orange Money, M-Pesa, Airtel Money and more, plus bank transfer in Nigeria, with more bank rails coming. Methods vary per country; the dashboard shows exactly what is live for yours.
What does it cost?
Collections from 1.99% per successful transaction and payouts from 1%, with no setup fees, monthly fees or minimums. Your exact per-corridor schedule is shown in the dashboard before you go live, and every API response carries the full fee breakdown.
How fast can I go live?
The sandbox is available the moment you create an account. Production access opens after business verification (KYB), which needs your registration documents and beneficial-owner details.
How do I integrate?
Two ways: share hosted checkout links with zero code, or call the REST API from your own product. Either way you get signed webhooks, idempotency and a request id on every response. The docs at developer.capayglobal.com walk you through both.
How is my money tracked?
On a double-entry ledger: every movement is balanced, immutable and recorded in minor units per currency. Your dashboard shows balances, settlements and exportable reports that reconcile to the ledger.
Which languages do you support?
This website is available in 34 languages, including Swahili, Hausa, Yoruba, Igbo, Twi, Wolof, Amharic, Arabic and Portuguese. The merchant dashboard and the hosted checkout are available in 23 languages. Documentation and support are in English and French.
Our team supports you in English and French, from your first sandbox call to your first million in collections.
Contact supportExplore the platform
Start collecting payments across Africa today
Create a free account, build against the sandbox and go live after verification.
Tell us about your corridors and volumes at any time.