Start collecting today, on every African rail
A single integration for mobile money, card and payment links — across the CEMAC and WAEMU zones. What you collect is paid straight out to your settlement account, with no licence for you to obtain.
AGGREGATOR OFFERINGMTN · ORANGE · WAVE · MOOV · AIRTELGIMAC · GIM-UEMOA
They build unique experiences with BaobaPay
Sokoni MarketTeranga InvestBoutik CMNjangi PayDakar FreelanceMarché du FleuveWouri Express
A wallet registry, not a single account
Every franc collected knows who it belongs to
Create as many wallets as you need
One per seller, per order, per project or per group fund — instantly, via the API.
Assign a wallet to every user
Connect mobile money and banks
Pay out to the settlement account
Seller — Marché Central
WLT-3320-A
Seller — Ndeye Couture
WLT-3341-A
Collection — Solar project
WLT-TI-2210
Fees Wallet
WLT-SM-FEES
Created on the fly via the API — a unique identifier per wallet.
Products
The full money lifecycle on your platform
Collect on the rails your customers actually use
Mobile money first — more than 9 payments out of 10 in the CEMAC zone — complemented by card, bank transfer and the payment link with QR code.
- MTN MoMo, Orange Money, Wave, Moov, Airtel
- Payment link + QR — get paid without a website
- Built-in strong authentication (SCA)
Pay-in · MTN MoMo
Order #10482
+24,500 XAF
Pay-in · Link + QR
LNK-3391
+60,000 XAF
Pay-in · Card (SCA)
Order #10479
+92,000 XAF
360° protection
Protection at every step — and a human when it matters
< 24 h
Published SLA for identity verification (business days)
2 max
automatic rejections before guaranteed escalation to a human analyst
14
countries covered for identity verification (CEMAC + WAEMU)
They already collect with BaobaPay
Platforms that started without waiting
Built for scale
Millions of wallets powering unique payment experiences
2,4 M
wallets created across both zones
180 Md
CFA francs in transactions processed
94 %
of pay-ins via mobile money in the CEMAC zone
14
countries covered · CEMAC + WAEMU
Starting without a licence
Why aggregation is the right way in
Customer
BaobaPay merchant account
Beneficiary's wallet
Their settlement account
No licence to obtainCollections land in BaobaPay's merchant account at the operator — you collect under our contract, not under a licence you have to win.
Direct payoutFunds do not sit still. A withdrawal debits the wallet to its holder's verified settlement account, and to that account only.
End-to-end traceabilityEvery movement links a payer, a wallet and a beneficiary — audit and reconciliation are built in, not bolted on.
Simple, transparent pricing
Pay as you go, grow without surprises
No setup fees, no monthly subscription, no commitment. Clear, predictable fees, aligned with the African market.
Collection (pay-in)
2.5% all inclusive
per successful mobile money transaction
- That is 1.5% operator + 1% BaobaPay, with no fixed fee
- MTN MoMo, Orange Money, Wave, Moov, Airtel
- Bank card: 3% all inclusive
- Payment link + QR included at no extra cost
- No fees on failed transactions
Withdrawal (payout)
1%
per withdrawal to mobile money
- Bank transfer: flat 500 CFA francs
- Local settlement — GIMAC (CEMAC) · GIM-UEMOA
- To the beneficiary's verified settlement account
- Funds available at any time
Platform & wallets
0 FCFA
wallets and payment links included
- Unlimited wallets (sellers, collection, commission)
- Declared cash collection, free of charge
- Hosted KYC/KYB: 100 free checks per month, then 150 CFA francs
- Free, unlimited sandbox
Worked example — a 10,000 CFA franc sale (mobile money)
Customer payment10,000 FCFA
Operator fee (1.5%)− 150 FCFA
BaobaPay commission (1%)− 100 FCFA
Credited to the wallet9,750 FCFA
Withdrawal to their account (1%)− 97 FCFA
Received by the seller on their MoMo9,653 FCFA
Always included
- No setup fees and no monthly subscription
- No commitment or long-term contract
- Real-time KYC status & published SLAs (< 24 business hours)
- Guaranteed human escalation, never a hard block
- Support 7 days a week — WhatsApp, email, phone
High volumes or an unusual model?
Request a quoteCustom pricing for high-volume platforms — tiered discounts.
Developers
An API designed to be integrated in minutes
- REST API + real-time webhooks (KYC, PAYIN, WITHDRAWAL, REFUND, DISPUTE, REKYC)
- Sandbox active as soon as the account is created — no documents needed
- Ready-to-use hosted KYC journey, customisable to your brand
- Separate Sandbox / Production keys, shown only once
# Encaisser un paiement mobile money
curl https://api.baobapay.africa/v1/payins \
-u sk_sb_9f31a7c0…: \
-d amount=24500 \
-d currency=XAF \
-d method=mtn_momo \
-d credited_wallet=WLT-3320-A
# → 201 Created · webhook PAYIN_SUCCEEDED
Contact us
Let's talk about your project
Tell us about your business and your volumes — we get back to you within one business day with a costed proposal.
Demonstration mockup — no message is actually sent. Your data never leaves this page.
Start collecting without waiting for a licence
Create your account, test in the Sandbox today, go live once your file is approved. No commitment.
Open my account