Hambisa imali kulo lonke elase-Afrika nge-API eyodwa.
I-Capay iqoqa imali yeselula nezinkokhelo zasebhange ezimakethe zase-Afrika ezingu-20, ikhokhele emawalethini eselula, ngabalingani abanamalayisensi kanye nokuxhumana okuqondile ne-MTN Mobile Money. Ikhasi lokukhokha elisingathiwe, ama-webhook asayiniwe, ileja yokubhalwa kabili, kanye nomsizi we-AI kudeshibhodi yakho owazi izinkokhelo zakho.
I-sandbox ngemizuzu embalwa. Azikho izindleko zokuqalisa. Usebenza bukhoma ngemva kokuqinisekiswa.
- Umsizi we-AI ufakiwe
- I-sandbox ngemizuzu embalwa
- Ileja yokubhalwa kabili
- Isayithi ngezilimi ezingu-34
Ukuxhuma okukodwa, izwekazi lemizila
Izibani ezikhanyayo yizimakethe ezinemizila esebenzayo namuhla: ukuqoqwa kwezimali yonke indawo esisebenza kuyo, izinkokhelo eziphumayo lapho kukhonjisiwe khona. Izibani ezithambile yilapho inethiwekhi iya khona ngokulandelayo. Hudula umhlaba.
Izimakethe ezingu-20 ezinemizila esebenzayo namuhla
- 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
Ezikrinini ezinkulu, lesi sigaba siba umhlaba osebenzisanayo.
Imininingwane yomzila ngamunye yemakethe ngayinye isekhasini lokufinyelela. Bheka ukufinyelela
Ikhasi lokukhokha eselithenjwa ngamakhasimende akho
Yabelana ngesixhumanisi sekhasi lokukhokha elisingathiwe noma ubize i-API ngqo. Ikhasimende lakho lithola isaziso ocingweni lwalo, wena uthole i-webhook esayiniwe nesimo sesikhathi sangempela ongasihlola noma nini.
- Ikhasi lokukhokha elisingathiwe ku-pay.capayglobal.com, elinegama lebhizinisi lakho
- I-API eqondile yekhasi lakho lokukhokha, enokhiye we-idempotency kuso sonke isicelo
- Izaziso zemali yeselula zithunyelwa ngqo ocingweni lwekhasimende
- Ukuhlukaniswa kwezindleko kuyo yonke intengiselwano: iplathifomu, umhlinzeki nemali esalayo
Lawula yonke imisebenzi yemali yakho kudeshibhodi eyodwa
Yona kanye iphothali esetshenziswa yibo bonke abathengisi be-Capay, eboniswa ngedatha yedemo ye-sandbox.
- Amabhalansi esikhathi sangempela ngohlobo lwemali ngalunye, nakho konke ukunyakaza kuleja yokubhalwa kabili
- Izinkokhelo eziphumayo ezingaphezu komkhawulo wakho wokuvunyelwa zidlula ku-maker-checker ngaphambi kokuba imali iphume.
- Okhiye be-API, ama-webhook namalogu eduze kwemali, hhayi kwelinye ithuluzi
Yamukela i-USDT, i-USDC nezinye izinhlamvu zemali ze-crypto, ukhokhelwe ngamadola aseMelika
Engeza i-crypto ku-API efanayo nasekhasini lokukhokha elifanayo. Inkokhelo ngayinye ithola ikheli layo, inani eliqondile okufanele lithunyelwe nekhasi lesimo sesikhathi sangempela, wena uthole i-webhook esayiniwe ngokushesha lapho inethiwekhi iyiqinisekisa.
- I-USDT ne-USDC ku-Tron, BNB Smart Chain, Ethereum, Solana, Polygon, Arbitrum, Avalanche ne-Base
- I-Bitcoin, i-Ether nezinye izinhlamvu zemali eziyi-12, ngenani elikhiywe imizuzu engama-30
- Ikhasi lokukhokha elisingathiwe eline-QR code, isexwayiso senethiwekhi nokuqinisekiswa kwesikhathi sangempela, ngezilimi ezingama-23
- Bona lokho ikhasimende ngalinye elacelwa khona uqhathanise nalokho elikuthumele, kuyo yonke inkokhelo
- Buyisela imali ku-wallet yekhasimende uqobo kusuka ku-dashboard noma nge-API
Ama-stablecoin, 1 ku-1 nedola laseMelika
- USDTTRC20 · BEP20 · ERC20 · SOL · POLYGON · ARBITRUM · AVAXC
- USDCBEP20 · ERC20 · SOL · POLYGON · ARBITRUM · AVAXC · BASE
Ezinye izinhlamvu zemali
BTC · ETH · BNB · SOL · TRX · LTC · BCH · DOGE · ADA · POL · XAUT · SHIB · PEPE · EIGEN
Amakhasimende athumela inani eliqondile elikhonjisiwe
Ikhasi lokukhokha libatshela ukuthi bengeze imali yokukhipha ye-exchange yabo. Ukukhokha ngaphezulu kuqedela inkokhelo; ukukhokha ngaphansi akwamukelwa neze futhi imali iyabuyiselwa.
- +237 6•• ••• ••2XAF 45,000Kuqediwe
- +241 0•• ••• ••7XAF 120,000Iyacutshungulwa
- +256 7•• ••• ••4UGX 850,000Kulayini
Thumela imali ngaphandle ngezilawuli ezakhelwe ngaphakathi
Khokhela emawalethini eselula nasema-akhawuntini asebhange kuzo zonke izimakethe ezisebenzayo, kusukela eKhameruni naseKenya kuya eGhana, eTanzania naseNigeria. Yonke inkokhelo ephumayo idlula emithethweni yakho yokuvumela ngaphambi kokuba kunyakaze ngisho ifranga elilodwa.
- Izimvume ze-maker-checker emalini ephuma kubhalansi yakho
- Ukuqashwa kwe-float ngezwe ngalinye, nezexwayiso ngaphambi kokuba iwalethi liphelelwe yimali
- I-circuit breaker emisa umzila okwesikhashana uma wehla amandla, kunokuba yehlulekise ibhetshi lakho lonke
- Konke ukunyakaza kwemali kubhalwa kuleja yokubhalwa kabili, ngamayunithi amancane
Ukuqoqa kwakho kokuqala ngesicelo esisodwa
I-REST ehlanzekile, imvilophu ye-JSON ebikezelekayo kanye ne-id yesicelo kuyo yonke impendulo. I-sandbox ifana ncamashi ne-production: i-API efanayo, izimo ezifanayo, ama-webhook afanayo.
- Okhiye be-sandbox nabe-production, abahlukaniselwe uhlelo ngalunye
- Ama-webhook asayinwe nge-HMAC anokuvikelwa ekuphindweni kwezicelo
- Okhiye be-idempotency kuso sonke isicelo esihambisa imali
- Amaphutha anezinhlobo ezicacile akutshela ngqo ukuthi yini okumele uyilungise
- Incazelo ye-OpenAPI, iqoqo le-Postman ne-llms.txt, konke kushicilelwe
- Amaseshini okukhokha asingathiwe nama-callback ayisicaba ezixhumanisi ze-CRM, i-ERP nezitolo
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"
}Siyasebenza lapho amakhasimende akho ekhona
Ukuqoqa kusebenza ezimakethe zase-Afrika ezingu-20, ukukhokha kusebenza kwezingu-20 futhi kuyakhula. Imizila yendawo, izimali zendawo, inkontileka eyodwa.
Imizila yemali yeselula neyasebhange ngabalingani abanamalayisensi kanye nokuxhumana okuqondile ne-MTN Mobile Money. Imizila emisha ivulwa njalo.
Amanani ongawahlelela
Azikho izindleko zokuqalisa, azikho izindleko zanyanga zonke, ayikho imikhawulo ephansi. Ubona uhlu lwezindleko oluqondile lwemizila yakho kudeshibhodi ngaphambi kokuba usebenze bukhoma.
- Ukuqoqwa kwemali yeselula neyasebhange
- Ikhasi lokukhokha elisingathiwe lifakiwe
- Ukuhlukaniswa kwezindleko kuyo yonke intengiselwano
- Ukukhokhela amawalethi eselula
- Izimvume ze-maker-checker zifakiwe
- Amanani omzila ngamunye aboniswa kusengaphambili
- Azikho izindleko zokuqalisa noma zanyanga zonke
- I-sandbox yamahhala engenamkhawulo
- Amanani avunyelwene ngomthengisi ngamunye uma inani lokuthengiselana likufanelekela
Kuvikelwe kusukela ekuqaleni kuze kube sekupheleni, njengamabhange osuvele uwethemba
Kubethelwe lapho kuhamba nalapho kugciniwe, kuqiniswe kuso sonke isendlalelo futhi kucwaningwe kuso sonke isenzo. I-Capay Global isebenza ngezilawuli ezifunwa amabhange namanethiwekhi amakhadi, ukuze imali yakho nedatha yamakhasimende akho kuvikelwe kusukela ekuthinteni kokuqala kuze kube sekuhlelweni kwezimali kokugcina.
- Ukubethela kwe-TLS lapho kuhamba
- Ukubethela kwe-AES-256 lapho kugciniwe
- I-HTTPS iphoqelelwe nge-HSTS
- PCI DSS: ayikho idatha yekhadi ezinhlelweni zethu
- Uhlaka lwezilawuli lwe-SOC 1 ne-SOC 2
- Ukuqinisekisa ngezinyathelo ezimbili
- Ukuhlukaniswa kwedatha ngomugqa ngamunye
- Umkhondo wokucwaninga ongaguquki
- Izinkokhelo eziphumayo ezivunywa abantu ababili
- KYB, AML nokuhlolwa kohlu lonswinyo
- Ukubuyekezwa okuphelele kokuphepha, Okthoba 2026
Kubethelwe lapho kuhamba
Yonke i-byte phakathi kwezinhlelo zakho, amakhasimende akho ne-Capay Global ihamba nge-TLS. I-HTTPS iphoqelelwa kuyo yonke idomeni nge-HTTP Strict Transport Security, ngakho ukwehlela ku-HTTP engabethelwe akunakwenzeka, futhi lonke ikhasi nayo yonke impendulo ye-API kulethwa ngenethiwekhi ye-edge engalokothi iveze umsuka ongabethelwe.
Kubethelwe lapho kugciniwe
Izizindalwazi nezindawo zokugcina amafayela zibethelwe nge-AES-256 lapho zigciniwe. Amadokhumenti okuqinisekisa ahlala endaweni yokugcina eyimfihlo engavulwa kuphela abaphathi bebhizinisi ngokwalo nabasebenzi be-Capay abagunyaziwe, ngezixhumanisi eziphelelwa yisikhathi ngemva kwamasekhondi angu-300. Izimfihlo zihlala emathebuleni akhiyiwe okungekho ndima yohlelo engawafunda.
Ayikho idatha yekhadi eke isithinte
Iplathifomu yethu ayilokothi yamukele, igcine, icubungule noma idlulise inombolo yekhadi noma i-CVV. Idatha ebukeka njengeyekhadi inqatshwa emaphethelweni e-API bese inqatshwa futhi ngaphakathi kwesizindalwazi, ngakho izinkokhelo zamakhadi zisebenza kuphela emakhasini asingathiwe ngaphakathi kwesilinganiso se-PCI DSS sabalingani bethu.
Imali engenakulahleka
Konke ukunyakaza kuyijenali elinganisiwe kuleja yokubhalwa kabili ngamayunithi amancane, futhi isizindalwazi senqaba okufakwayo okungalinganisiwe. Izinkomba ze-idempotency zivimba ukukhokhiswa kabili, yonke inkokhelo ephumayo engaphezu komkhawulo wakho idinga umgunyazi wesibili, futhi amaswishi okumisa nama-circuit breaker amisa umzila ngaso leso sikhathi uma uziphatha kabi.
Ubunikazi nokufinyelela okuqinisiwe
Ukuqinisekisa ngezinyathelo ezimbili ngamasango avalekayo uma kukhona ukungabaza, ethimbeni lakho nelethu, ukuphepha kwezinga lomugqa kulo lonke ithebula, izimvume ezihlelwe ngezindima, nezenzo ezikhethekile ezidinga isizathu esibhaliwe futhi ezifika kulogu yokucwaninga yokungeza kuphela engeke ihlelwe noma isulwe.
Okhiye be-API nama-webhook, ezingeni lebhange
Okhiye be-API benziwa i-hash nge-SHA-256 futhi baboniswa kanye kuphela. Imikhawulo yenani lezicelo ngokhiye ngamunye nange-IP ngayinye, uhlu lwama-IP avunyelwe, imikhawulo yokusebenzisa imali yansuku zonke nokushintshwa ngokuchofoza kanye. Ama-webhook asayinwa emzimbeni oluhlaza, aqinisekiswa ngokuqhathanisa ngesikhathi esingaguquki, avikelwe ekuphindweni kwezicelo, futhi yonke i-callback yomhlinzeki iphinde ihlolwe emthonjeni ngaphambi kokuba imali inyakaze.
Ukuthobela imithetho okwakhelwe ngaphakathi
I-KYB enokuhlolwa kwamadokhumenti, ukuhlonzwa kwabanikazi abazuzayo nokuhlolwa kohlu lonswinyo ngaphambi kokuba noma yiliphi ibhizinisi lisebenze bukhoma, ukuqashwa kwe-AML okuqhubekayo, ukugcinwa kwamarekhodi ezezimali iminyaka eyisikhombisa, kanye nohlaka lwezilawuli oluhambisana ne-Trust Services Criteria ye-SOC 1 ne-SOC 2 nesimo se-PCI DSS sokungabi nedatha yomnikazi wekhadi.
Ingqalasizinda eqinisiwe
Ilethwa nge-AWS CloudFront ngemuva kwe-Cloudflare ngokulawulwa kokufinyelela emsukeni nangaphandle kwesitoreji somphakathi, izihloko zesiphequluli eziqinile (akukho ukufakwa kufreyimu, i-Permissions-Policy, ukuhlukaniswa kwe-cross-origin), amalogu okufinyelela e-edge agcinwa izinsuku ezingu-400, ukuhlolwa kwama-dependency kuwo wonke umakhi, kanye ne-sandbox engakwazi nhlobo ukufinyelela umhlinzeki wangempela.
I-Capay Global ihlinzeka ngobuchwepheshe bezinkokhelo. Izinsizakalo zezinkokhelo ezilawulwayo zilethwa ngabalingani abanamalayisensi.
Imibuzo, iphenduliwe
Yimaphi amazwe engingaqoqa kuwo izinkokhelo?
Ukuqoqa kusebenza e-i-Cameroon, i-Gabon, i-Uganda, i-Kenya, i-Ghana, i-Tanzania, i-Côte d’Ivoire, i-Senegal, i-Congo - Brazzaville, i-Benin, i-Rwanda, i-Congo - Kinshasa, i-Zambia, i-Sierra Leone, i-Burkina Faso, iMali, i-Togo, i-Guinea, i-Niger, ne-i-Nigeria, futhi izimakethe ezintsha zivuleka njalo.
Yiziphi izindlela zokukhokha ezisekelwayo?
Imali yeselula iwumzila oyinhloko: i-MTN Mobile Money, i-Orange Money, i-M-Pesa, i-Airtel Money nokunye, kanye nokudlulisela ngebhange eNigeriya, kanti eminye imizila yasebhange iyeza. Izindlela ziyahluka ngezwe ngalinye; ideshibhodi ikubonisa ngqo okusebenzayo kwelakho.
Kubiza malini?
Ukuqoqa kusukela ku-1.99% ngokuthengiselana ngakunye okuphumelele nokukhokha kusukela ku-1%, ngaphandle kwezimali zokulungisa, ezanyanga zonke noma isilinganiso esiphansi. Uhlu lwakho lwamanani ngomzila ngamunye lubonakala kudeshibhodi ngaphambi kokuthi uqale, futhi yonke impendulo ye-API iphethe ukuhlukaniswa okugcwele kwezimali.
Ngingasebenza bukhoma ngokushesha kangakanani?
I-sandbox iyatholakala ngaso leso sikhathi ovula ngaso i-akhawunti. Ukufinyelela ku-production kuvuleka ngemva kokuqinisekiswa kwebhizinisi (KYB), okudinga amadokhumenti akho okubhalisa nemininingwane yabanikazi abazuzayo.
Ngixhuma kanjani uhlelo lwami?
Izindlela ezimbili: yabelana ngezixhumanisi zekhasi lokukhokha elisingathiwe ngaphandle kwekhodi, noma ubize i-REST API kusuka kumkhiqizo wakho. Nomayiphi indlela, uthola ama-webhook asayiniwe, i-idempotency kanye ne-id yesicelo kuyo yonke impendulo. Amadokhumenti aku-developer.capayglobal.com akukhombisa zombili.
Imali yami ilandelelwa kanjani?
Kuleja yokubhalwa kabili: konke ukunyakaza kuyalinganiswa, akuguquki futhi kubhalwa ngamayunithi amancane ngohlobo lwemali ngalunye. Ideshibhodi yakho ibonisa amabhalansi, amasetilimenti kanye nemibiko engathunyelwa ngaphandle evumelana neleja.
Yiziphi izilimi enizisekelayo?
Le webhusayithi itholakala ngezilimi ezingu-34, kufaka isiSwahili, isiHausa, isiYoruba, isi-Igbo, isiTwi, isiWolof, isi-Amharic, isi-Arabhu nesiPutukezi. Ideshibhodi yomthengisi nekhasi lokukhokha kutholakala ngezilimi ezingu-23. Amadokhumenti nosizo kukhona ngesiNgisi nangesiFulentshi.
Ithimba lethu likusekela ngesiNgisi nangesiFulentshi, kusukela esicelweni sakho sokuqala se-sandbox kuze kufike esigidini sakho sokuqala oqoqiwe.
Xhumana nosizoHlola iplathifomu
Qala ukuqoqa izinkokhelo kulo lonke elase-Afrika namuhla
Vula i-akhawunti yamahhala, wakhe usebenzisa i-sandbox, bese usebenza bukhoma ngemva kokuqinisekiswa.
Sitshele ngemizila yakho namavolumu akho noma nini.