Payment methods & channels

Every payment method is named by a channel: a family on its own, mobile, card, bank or crypto, or a precise operator in the country.operator form. The hosted page offers every channel your account can collect on; narrow it per payment with accept, and name a channel only in a Direct API charge.

Each family has its own page:

• Mobile Money, the operators and their channels, and the phone number formats each one accepts.
• Bank cards, Visa and Mastercard on the card channel.
• Bank transfers, on the bank channel.
• Wallets & crypto, Apple Pay, Google Pay and the crypto.{asset} channels.

Where each country stands

The currency decides which channels exist, and the account's providers decide which of them are switched on.

Country	Currency	Mobile Money	Cards
CameroonCameroon	XAF	MTN, Orange, Express Union	Yes
Côte d'IvoireCôte d'Ivoire	XOF	MTN, Orange, Wave, Moov	Yes
SenegalSenegal	XOF	Orange, Wave, Free	Yes
BeninBenin	XOF	MTN, Moov	Yes
Burkina FasoBurkina Faso	XOF	Orange, Moov	Yes
TogoTogo	XOF	T-Money, Moov	Yes
MaliMali	XOF	Orange, Moov	Yes
GhanaGhana	GHS	MTN, Vodafone, AirtelTigo	Yes
NigeriaNigeria	NGN	None. Bank transfer, USSD, OPay and PalmPay instead	Yes
KenyaKenya	KES	M-Pesa, Airtel	Yes
UgandaUganda	UGX	MTN, Airtel	Yes
RwandaRwanda	RWF	MTN, Airtel	Yes
TanzaniaTanzania	TZS	M-Pesa, Airtel, Tigo, Halopesa	Yes
GabonGabon	XAF	Airtel, Moov	Yes
CongoCongo	XAF	MTN, Airtel	Yes
DR CongoDR Congo	CDF	Orange, Airtel, Vodacom, Africell	Yes
GuineaGuinea	GNF	MTN, Orange	Yes
LiberiaLiberia	LRD	MTN	Yes
Sierra LeoneSierra Leone	SLL	Orange	Yes
ZambiaZambia	ZMW	MTN, Airtel, Zamtel	Yes
MalawiMalawi	MWK	Airtel, TNM	Yes
MozambiqueMozambique	MZN	M-Pesa	Yes

Choosing what a payment accepts

Nothing is hidden by default: the payer sees every method your account can collect on, and a payment in a currency a wallet does not use is converted, as described in Limits. To narrow it, send accept when you create the payment, the link or the invoice. Every key is optional, and a key you leave out narrows nothing.

The restriction is kept on the payment and applies twice: the page offers only what it allows, and a charge that names another channel is refused with a 422 and the code channel_not_accepted. If accept leaves nothing to pay with, the create call itself answers 422 on accept, rather than producing a page with no method on it.

A charge sent on mobile or on cm.mobile is checked on the operator the number resolves to, not on the aggregate. With the restriction above, cm.mobile and an MTN Cameroon number is charged on cm.mtn, and an Ivorian number is refused. A payment restricted to "channels": ["mobile"] takes any Mobile Money operator, whichever the number resolves to, and no card, bank or crypto channel.

A link or an invoice carries its own accept, and every payment opened from it inherits it. On a link or an invoice, accept: {} clears the restriction. In the Dashboard the same fields sit under Payment methods, in the link composer and on the invoice form.

Previewing the methods before you create a payment

GET /payments/options lists the channels a payer could use for a currency and an amount, before any payment exists: the ones your account offers on the payment page, narrowed to the payer's country and to each channel's minimum and maximum. It takes the same accept restriction as POST /payments. Use it to draw your own method picker; the payment, once created, is what the payer is actually offered.

curl "https://api.wajub.com/payments/options?currency=XAF&amount=25000&country=CM&locale=fr" \
  -H "Authorization: sk_test.xxxxxxxxxxxxxxxx…"

The answer carries code, status, message and channels: each with its slug, name, name.fr, type, logo and countries, and operators for cm.mobile. logo_png, on a channel and on each operator, is the same logo as a PNG, for an app that draws no SVG, or null when there is none. List payment options

Amounts and caps

Two different limits apply to the same payment, and they are easy to confuse.

The first is the payment itself. In XAF and XOF it must fall between 25 and 2 000 000; outside that range the create call is refused with a 422 naming the bound in errors.amount.

The second is what a single Mobile Money debit can carry, capped at 500 000 XAF, and the same in XOF. A payment above that is refused with a 422 when you charge it.