Move money all over Africa with one API.
Capay dey collect mobile money and bank payments for 20 African markets and dey pay out to mobile wallets, through licensed partners and direct MTN Mobile Money integration. Hosted checkout, signed webhooks, double-entry ledger, plus AI copilot for your dashboard wey sabi your payments.
Sandbox ready in minutes. No setup fees. Go live once we verify you.
- AI copilot dey inside
- Sandbox in minutes
- Double-entry ledger
- Site dey for 34 languages
One integration, one whole continent of rails
The bright lights na markets wey get live rails today: collections everywhere we dey operate, payouts where we mark am. The soft lights na where the network dey go next. Drag the globe.
20 markets wey get 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
For bigger screens, this section go turn interactive globe.
Rail-by-rail detail for every market dey for the coverage page. Check where we dey
Checkout wey your customers don already trust
Share hosted checkout link or call the API direct. Your customer go get prompt for their phone, you go get signed webhook and real-time status wey you fit poll.
- Hosted checkout for pay.capayglobal.com, wey carry your business name
- Direct API for your own checkout, with idempotency key on every request
- Mobile money prompts dey land straight for your customer phone
- Fee breakdown for every transaction: platform, provider and net amount
Run your whole money operation from one dashboard
The same portal wey every Capay merchant dey use, we show am with sandbox demo data.
- Live balance for each currency, with every movement inside double-entry ledger
- Any payout wey pass your approval threshold must pass maker-checker before money comot.
- API keys, webhooks and logs dey beside the money, no be inside another tool
Collect USDT, USDC and other coins, settled for US dollars
Add crypto to the same API and the same checkout. Every payment go get im own address, the exact amount to send and live status page, and you go get signed webhook the moment the network confirm am.
- USDT and USDC for Tron, BNB Smart Chain, Ethereum, Solana, Polygon, Arbitrum, Avalanche and Base
- Bitcoin, Ether and 12 other coins, with rate wey we lock for 30 minutes
- Hosted pay page wey get QR code, network warning and live confirmation, for 23 languages
- See wetin we ask each customer to pay and wetin dem send, for every payment
- Refund go the customer own wallet from the dashboard or the API
Stablecoins, 1 to 1 with 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 dey send the exact amount wey we show
The pay page go tell dem make dem add the withdrawal fee wey their exchange dey charge. If dem pay pass, the payment go complete; if dem pay under, we no go ever accept am, we go refund am.
- +237 6•• ••• ••2XAF 45,000Don finish
- +241 0•• ••• ••7XAF 120,000E dey process
- +256 7•• ••• ••4UGX 850,000E dey queue
Send money out with controls wey dey inside already
Send money go mobile wallets and bank accounts for every market wey dey live, from Cameroon and Kenya reach Ghana, Tanzania and Nigeria. Every payout must pass your approval rules before even one franc move.
- Maker-checker approvals for money wey dey comot from your balance
- Float monitoring for each country, with alerts before wallet go dry
- Circuit breaker wey go pause a rail when e dey misbehave, instead of make your batch fail
- Every movement dey enter double-entry ledger, in minor units
Your first collection na one request
Clean REST, JSON envelope wey you fit predict, and request id on every response. The sandbox be exactly like production: same API, same statuses, same webhooks.
- Sandbox and production keys, scoped per app
- HMAC-signed webhooks with replay protection
- Idempotency keys on every call wey dey move money
- Typed errors wey go tell you exactly wetin to fix
- OpenAPI spec, Postman collection and llms.txt, all don publish
- 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"
}We dey live where your customers dey
We dey collect for 20 African markets, we dey pay out for 20 and e dey grow. Local rails, local money, one contract.
Mobile money and bank rails through licensed partners and direct MTN Mobile Money integration. New corridors dey open every time.
Price wey you fit plan with
No setup fees, no monthly fees, no minimum. You go see the exact fee list for your corridors inside the dashboard before you go live.
- Mobile money and bank collections
- Hosted checkout dey inside
- Full fee breakdown for every transaction
- Payouts to mobile wallets
- Maker-checker approvals dey inside
- We show corridor rates upfront
- No setup or monthly fees
- Free sandbox wey no get limit
- Rate wey we gree for your account when your volume don grow
We lock am down from start to finish, like the banks wey you don already trust
E dey encrypted when e dey move and when e dey rest, we harden every layer and we audit every action. Capay Global dey run on the same controls wey banks and card networks dey demand, so your money and your customers' data dey protected from the first tap reach the last settlement.
- TLS encryption when data dey move
- AES-256 encryption when data dey rest
- HTTPS compulsory with HSTS
- PCI DSS: no card data dey our systems
- Control framework wey follow SOC 1 & SOC 2
- Two-step verification
- Data isolation for every row
- Audit trail wey nobody fit change
- Two-person approval for payouts
- KYB, AML & sanctions check
- Full security review wey we do for October 2026
Encrypted when e dey move
Every byte wey dey move between your systems, your customers and Capay Global dey travel through TLS. HTTPS na compulsory for every domain with HTTP Strict Transport Security, so nobody fit drag am down to plain HTTP, and every page and API response dey come through edge network wey no dey ever expose origin wey no get encryption.
Encrypted when e dey rest
Databases and file stores dey encrypted when dem dey rest with AES-256. Verification documents dey inside private store wey only the business own managers and Capay staff wey get permission fit open, through links wey dey expire after 300 seconds. Secrets dey inside locked tables wey no application role fit read.
Card data no dey ever touch us
Our platform no dey ever receive, store, process or send card number or CVV. Anything wey look like card data, we reject am for the API edge and we reject am again inside the database, so card payments dey run only on hosted pages wey dey inside our partners' PCI DSS scope.
Money wey no fit miss
Every movement na balanced journal inside double-entry ledger in minor units, and the database go refuse any entry wey no balance. Idempotent references dey stop double charge, every payout wey pass your threshold need second person to approve am, and kill switches and circuit breakers dey stop a rail the moment e start to misbehave.
Identity and access wey we harden well
Two-step verification with gates wey dey close by default if anything fail, for your team and our own, row-level security on every table, permissions wey dey scoped by role, and privileged actions wey need written reason and wey dey land inside append-only audit log wey nobody fit edit or delete.
API keys and webhooks, bank level
API keys dey hashed with SHA-256 and we show dem only once. Rate limits per key and per IP, IP allowlists, daily spend caps and rotation with one click. Webhooks dey signed over the raw body, we verify dem with constant-time comparison, we protect dem against replay, and we re-check every provider callback from the source before money move.
Compliance wey dey inside from day one
KYB with document checks, beneficial-owner identification and sanctions screening before any business go live, AML monitoring wey no dey stop, we keep financial records for seven years, and control framework wey we map to SOC 1 and SOC 2 Trust Services Criteria and to the PCI DSS no-cardholder-data posture.
Infrastructure wey we harden
We serve am 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 wey we keep for 400 days, dependency audits on every build, and sandbox wey no fit physically reach any real provider.
Capay Global dey provide payment technology. Na licensed partners dey deliver regulated payment services.
Your questions, we don answer dem
Which countries I fit collect payment for?
We dey collect for 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 dey open every time.
Which payment methods una dey support?
Mobile money na the main rail: MTN Mobile Money, Orange Money, M-Pesa, Airtel Money and more, plus bank transfer for Nigeria, and more bank rails dey come. Methods dey different per country; the dashboard go show you exactly wetin dey live for your own.
How much e dey cost?
Collections start from 1.99% for every transaction wey work and payouts start from 1%, no setup fee, no monthly fee, no minimum. Your exact schedule for each corridor dey show for dashboard before you go live, and every API answer carry the full fee breakdown.
How fast I fit go live?
The sandbox dey ready the moment you open account. Production access go open after business verification (KYB), wey need your registration documents and beneficial-owner details.
How I go take connect?
Two ways dey: share hosted checkout links without any code, or call the REST API from your own product. Any one wey you pick, you go get signed webhooks, idempotency and request id on every response. The docs for developer.capayglobal.com go show you the two.
How una dey track my money?
Na double-entry ledger: every movement dey balanced, nobody fit change am, and e dey recorded in minor units per currency. Your dashboard go show balances, settlements and reports wey you fit export and wey dey match the ledger.
Which languages una dey support?
This website dey for 34 languages, including Swahili, Hausa, Yoruba, Igbo, Twi, Wolof, Amharic, Arabic and Portuguese. The merchant dashboard and the checkout page dey for 23 languages. Documentation and support na English and French.
Our team dey support you for English and French, from your first sandbox call reach your first million in collections.
Contact supportWaka round the platform
Start to collect payments all over Africa today
Open free account, build with the sandbox and go live once we verify you.
Anytime you ready, tell us about your corridors and volumes.