QuataPay
XAF · Cameroon · CEMAC · built for Africa

One wallet. Unlimited possibilities.

QuataPay is your all-in-one digital wallet designed to make payments simple, fast, and secure. Whether you're sending money to friends, paying bills, or tracking expenses, QuataPay keeps your finances under control with ease.

Open an account Explore personal
Get the app Get the app
  • Bank-grade encryption
  • Instant XAF transfers
  • 0 fee P2P moves
  • Multi-currency ready
Bank-grade security Instant settlement All 10 regions
9:415G ▪ 100%

Available balance

128,500 XAF

Add
Send
Scan

Recent activity

Ada M.

Received

+5,000

MTN Airtime

Bill pay

-1,000

Cafe Douala

QR payment

-2,400

Wallet · one app, everything

Trusted by partners & the rails behind Cameroon's money

  • Banks
  • Credit Unions
  • MFIs
  • MTN MoMo
  • Orange Money
  • Reloadly
  • Banks
  • Credit Unions
  • MFIs
  • MTN MoMo
  • Orange Money
  • Reloadly

By the numbers

A payment network growing every week

Real numbers from the QuataPay platform. Updated quarterly.

0K+

Active wallets

Personal · Agent · Merchant

0+

Merchants accepting QR

Across all 10 CM regions

0M+

XAF moved

Cumulative volume

0.00%

Uptime

Rolling 90-day SLA

Get started

Four steps from download to your first secure payment

No paperwork, no branch visit, no waiting.

Step 01

Create account

Download the app and verify your phone in under two minutes.

Next
Step 02

Choose method

Top up via Mobile Money, a bank, or a nearby QuataPay agent.

Next
Step 03

Scan & pay

Pay merchants and friends instantly with a QR — 0 fee, in-app.

Next
Step 04

Stay verified

KYC, 2FA and device checks keep every wallet locked down.

Done

One platform, every role

Built for everyone in Cameroon

Personal users, agents, merchants, and developers — each gets a tailored experience on the same secure rails.

Personal wallet

Send, receive, scan, top-up, bills, remittance — one tap each.

Learn more

Merchant suite

QR at counter, payment links online, settlements with refund policy controls.

Learn more

Developer API

Hosted checkout, webhook signing, sandbox keys, full reference docs.

Learn more
Personal sign in Agent sign in Merchant sign in Institution sign in

One account, one ecosystem

Everything connects to your QuataPay wallet

Food, marketplace, trading, business and developer tools — all funded and settled from a single balance. Add a product, not another account.

QuataPay wallet

The single balance that powers every product below — no transfers, no reconciling, no extra sign-ups.

Open your wallet

QuataFood

Order & pay for food in-app — settled straight to merchant wallets.

Abaqwa

The marketplace where shoppers check out with their QuataPay balance.

QuataTrade

soon

Trade and invest, funded and settled from one wallet.

Payment Gateway

Hosted checkout + payment links for any website or app.

Business Dashboard

Run collections, payouts and reporting from one console.

Developer APIs

One API key, sandbox, and webhooks across the whole stack.

Today

Live

412K

Volume

168

Payments

99.9%

Success

Payment methods

168payments
  • Mobile Money52%
  • Card26%
  • Wallet14%
  • Bank8%
Order #1042+12,900 XAF
Payment link · Ada+5,000 XAF

For business

A full merchant suite — get paid, get settled

Accept in-store and online, automate collections and payouts, and see it all in real time. Payroll, bulk payments, invoices, roles and audit logs included.

QR & Tap to pay Payment links Invoices Subscriptions Analytics Refunds
Explore merchant tools

Get the QuataPay Merchant app

Download for Android

For developers

Take your first payment in minutes

A clean, hosted-checkout API with test keys, signed webhooks and a sandbox. Real code, not screenshots.

REST API

Predictable resources, a single response envelope, XAF-native amounts.

Signed webhooks

HMAC-verified events with delivery logs and one-click replay.

Hosted checkout

Redirect or share a link — you never touch card or MoMo credentials.

Sandbox

Test keys and a simulate endpoint to force success or failure.

Read the docs Quickstart
create-payment.sh
curl https://api.quatapay.com/api/v1/gateway/payments \
  -H "Authorization: Bearer qpay_test_…" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "XAF",
    "webhook_url": "https://you/webhooks"
  }'

# → { "success": true, "data": { "checkout_url": … } }

Why QuataPay

Smart, fast, and secure digital payments

Regulated Financial Institutions

Funds safeguarded by a CEMAC-licensed Regulated Financial Institution.

Instant XAF transfers

P2P, agent, merchant — 0 fee on internal wallet moves.

Built for Cameroon first

All 10 regions, French + English, XAF-native.

Intelligence, built in

Money that thinks with you

From fraud scoring to spending insights, QuataPay uses intelligence to keep you safe and in control — quietly, on every transaction.

AI fraud detection

Every transaction is scored in real time; risky ones are held for review.

Smart monitoring

Anomaly detection on device, location and velocity — before money moves.

Spending insights

Automatic categorisation so you see exactly where your money goes.

Merchant analytics

Live revenue, top products and settlement trends for businesses.

Smart alerts

Context-aware notifications — the ones that matter, when they matter.

AI assistant

soon

A financial copilot that answers questions and automates routines.

How we compare

A faster path than mobile money or banks

Same regulatory backing as a bank; same accessibility as Mobile Money; with the modern features both still lack.

Feature
QuataPay
Mobile Money
Bank
Open an account
2 minutes, in-app
In-app
Branch visit
P2P wallet transfer fee
Free
≈1–3%
Per transfer
QR pay at merchants
Same-day merchant settlement
Public payment API + hosted checkout
Agent network commission split
Up to 35–40% of cashout fee
Vendor set
n/a
2FA + device-level controls
Multi-currency wallet (roadmap)
Account-by-account

Security

5 ways our security system protects you

Layered defences — at sign-up, at sign-in, and on every transaction.

Identity verification

Government-issued ID checks at sign-up.

KYC profile

AI-assisted face match + fraud scoring.

Multi-factor auth

Password + PIN + 2FA on sensitive flows.

Confidentiality

Encrypted PII with blind-index lookups.

Activity tracking

Real-time login + device + transaction logs.

Who it's for

Built for everyone moving money in Africa

From a student splitting a bill to an enterprise running payroll — one platform, tailored to each.

Growing businesses

Collect, pay out and reconcile without the bank queue.

Merchants

Take QR, links and card payments with same-day settlement.

Agents

Serve cash-in / cash-out and earn commission on every trade.

Students

Send, receive and split money instantly — zero fees between wallets.

Professionals

Invoice clients, get paid by link, and track it all in one app.

Developers

Ship checkout in a day with sandbox keys and signed webhooks.

FAQ

Questions, answered

Can't find what you need? The full Help Center is one click away.

How do I open a QuataPay account?
Download the QuataPay app or visit our website. Tap **Open account**, enter your email and phone number, verify the OTP we send you, and complete the registration form. Your starter account is ready in under two minutes — no documents needed for the basic tier.
What documents do I need for KYC verification?
- **Basic tier** — phone OTP. No documents. - **Standard tier** — National ID or passport + selfie verification. - **Premium tier** — ID + proof of address + proof of income. KYC is completed in the app under **Settings → Verification**.
I forgot my password. How do I reset it?
Tap **Forgot password** on the sign-in screen. We email you a single-use link that expires in 30 minutes. Click it to set a new password — at least 8 characters, mixing letters and numbers.
How do I change my phone number?
Settings → Account → Phone number. We send an OTP to the new number; once you confirm it, the new number replaces the old one. The change is logged in your login history.
Can I delete my QuataPay account?
Yes — Settings → Account → Delete account. We schedule the deletion for 30 days out, during which you can cancel from any device. After the grace window, all personal data is removed and the account can't be recovered. Funds must be withdrawn first.
Is there a fee for sending money between QuataPay users?
**No.** Wallet-to-wallet transfers between QuataPay users are always free, regardless of amount or tier. Fees only apply when money moves between QuataPay and mobile money networks (MTN, Orange), banks, or cross-border.
How does QR code payment work?
The recipient displays their QR code in the app. The sender scans it with the QuataPay scanner and confirms the amount. Money moves instantly, with no fee between QuataPay users. Both parties get a notification with the transaction id.
What's the maximum I can send in one transfer?
Limits depend on your KYC tier: - **Basic** — 100,000 XAF per transaction, 500,000 XAF per day. - **Standard** — 500,000 XAF per transaction, 2,500,000 XAF per day. - **Premium** — 5,000,000 XAF per transaction, 25,000,000 XAF per day.
What if I send money to the wrong person?
If the recipient hasn't cashed out yet, you can reverse the transfer from your transaction history in one tap. Once it's been cashed out, contact our support team — we'll mediate but can't guarantee recovery once the money has left the wallet.
Is my money safe on QuataPay?
Yes. Customer funds are held in a regulated partner-bank account under the CEMAC framework. All data is encrypted at rest and in transit. You set a 4-digit PIN for an extra layer of transaction security, and you can enable 2FA for sign-in.
What should I do if I lose my phone?
Log in at quatapay.com from any browser, go to **Settings → Security → Devices**, and revoke the lost device. This invalidates every active session on that device immediately. Change your password while you're there as a precaution.
How do I enable two-factor authentication?
Settings → Security → Two-factor → **Enable**. We show you a QR code to scan with Google Authenticator (or any TOTP app). After you confirm with a one-time code, every sign-in from a new device asks for the 6-digit code.
Will QuataPay ever ask for my password or PIN?
**Never.** Our staff never ask for your password, PIN, OTP, or card details — over the phone, by SMS, by email, or by chat. If anyone claims to be from QuataPay and asks, end the call and report it via /contact.
How can my business accept payments via QuataPay?
Register as a merchant at /merchant/register. Once approved (we review within 24 hours of clean KYC), you can accept payments by QR at the counter, payment links shared in WhatsApp / SMS / email, or via our REST API for custom checkout.
What is the merchant settlement fee?
Settlements are charged at **1.5% per payout** — flat. There are no monthly fees, no setup fees, no minimum volume, and refunds are free (we refund our share of the fee too).
How often do I get settled?
Daily, weekly, or monthly — your choice. Settlements go to MTN MoMo, Orange Money, or a bank account. Set the preference once at /merchant/settlements and it runs automatically.
Can I issue refunds?
Yes, partial or full, from the merchant panel or via API. We push the money back through the same rail it came in on. Our share of the fee is refunded too.
How do I become a QuataPay agent?
Apply from your QuataPay app — Settings → **Become an agent**. We ask whether you're applying as an individual, a business, or an institution, and what part of Cameroon you'll operate in. Approval takes 1–3 business days.
How much do agents earn?
**50% of every platform fee** the customer pays. A busy agent doing cash-in / cash-out / bill pay / mobile top-up at typical market-day volumes earns around 20,000–55,000 XAF per day in commission. Your earnings show up daily in the agent dashboard.
Do I need to keep a minimum float?
Yes — 50,000 XAF starter float to stay activated. Top agents carry 500k+ to handle busy market days. Float is your working capital and is paid back to your MoMo / bank if you close the agency.
Which bills can I pay through QuataPay?
Electricity (ENEO), water (CDE), internet providers, TV subscriptions, school fees, and more. The full biller list is available in the app under **Bill Pay**, and admins keep adding billers as we sign them on.
How do I top up airtime?
Mobile top-up → choose carrier (MTN / Orange / Camtel) → type the number → choose amount → confirm. Frequent numbers are saved for one-tap refills next time.
Can I pay bills for someone else?
Yes — bill payments don't have to be your own. Enter the meter / account number you want to pay and the relevant amount. The biller credits the account; you keep the receipt.
Can I get a card from QuataPay?
Yes — both virtual and physical cards. Virtual cards issue in seconds for online shopping, with controls for spending limits, freeze/unfreeze, and rotation. Physical cards take 5–10 business days and work at any tap-to-pay terminal in CEMAC.
Does QuataPay support cross-border transfers?
We're rolling out remittance corridors progressively. The corridor list lives at /user/remittance. FX rates are transparent — we show you the rate before you confirm and there are no hidden margins.
Visit the Help Center
Mobile

Get the QuataPay app

Available on Android and iOS. Send, receive, and scan to pay anywhere in Cameroon.

Get the app Get the app

QuataPay Merchant — for businesses

Download for Android

QuataPay Agent — for cash-in / cash-out agents

Download for Android
  • Biometric sign-in
  • Offline-tolerant QR
  • Push notifications
  • French + English
QuataPay app on a phone

Ready to start?

Cameroon's modern payments stack — in your pocket.

One account works as a wallet, a merchant terminal, an agent counter, and a developer dashboard. Pick the role that fits.

Open an account Talk to sales