Accept payments everywhere you sell.
Print a QR for the counter, paste a payment link in WhatsApp, or wire our API into your checkout. Settle daily in XAF — or weekly to your bank.
- 0 – 1.5% per settlement
- Daily / weekly / monthly payouts
- Refunds in one click
- API + webhooks + sandbox
Today's revenue
487,200 XAF
+18% vs. yesterday
0 – 1.5%
Per settlement
Tiered · no setup, no monthly
<24h
Approval time
After KYC
4
Ways to accept
QR · link · API · NFC
T+1
Bank settlement
Next business day
Four ways to accept
Whatever your checkout looks like, we fit it.
A street stall, an online store, a WhatsApp shop, a custom app — same backend, four entry points.
QR at the counter
Print your merchant QR once. Customers scan and type the amount. No POS terminal, no rental.
Payment links
Create a reusable link or one-time invoice in two taps. Send via WhatsApp, SMS, or email.
REST API
Drop our SDK in. Three endpoints (create intent, redirect, listen for webhook) and you're charging customers.
Hosted checkout
Don't want to host the payment page? Redirect to ours — we collect, confirm, and hand the customer back.
Pricing
Predictable, transparent, no setup fee.
Per settlement
0 – 1.5%
Tiered by volume. Customer payments are free; you only pay when money lands in your wallet. From 0.0% to 1.5%.
Monthly fee
0
No setup, no per-transaction, no minimum volume.
Refunds
Free
Refund partial or in full. We refund our share of the fee too.
Operations
Run the business, not the payment system.
Refunds, settlements, exports, reconciliations — everything an established merchant takes for granted works out of the box.
Settlements
Daily, weekly, or monthly to MoMo, Orange Money, or your bank. Set it once; we send it automatically.
One-click refunds
Full or partial refunds from any transaction. We push money back through the same rail it came in on.
Exports
Export any date range as CSV. Xero + QuickBooks integrations on the roadmap.
Fraud rules
Velocity, geographic, and customer-history checks run on every charge. You only see the clean transactions.
Webhooks
Subscribe to payment.succeeded, refund.created, settlement.paid. HMAC-SHA256 signed. We retry until you 200.
Real-time dashboard
Top channels, top SKUs, refund rate, payout calendar — all on one screen.
Onboard
Live in four steps
The fast path. Slow path is if you're a bank — we'll talk.
Create your merchant account
Email + business name. We KYC your founder's ID and the business registration.
Pick how you accept
QR for the counter, payment links for chat, API for your app — or all three.
Set your settlement
Choose MoMo, Orange Money, or your bank — and the payout cadence.
Go live
We approve within 24 hours of clean KYC. QR is ready to print, link is ready to share, API keys are ready to call.
Three endpoints to a working checkout.
Create a payment intent, redirect to our hosted page, listen for the webhook. That's it. No card form to build, no PCI scope to worry about.
curl -X POST https://api.quatapay.com/api/v1/gateway/payments \
-H "Authorization: Bearer qpay_test_…" \
-H "Idempotency-Key: $(uuidgen)" \
-H "Content-Type: application/json" \
-d '{
"amount": 5000,
"currency": "XAF",
"reference": "order_12345",
"success_url": "https://shop.example.com/pay/success"
}'“We switched from a card terminal to QuataPay QR last quarter. Cash-out is faster, settlement is daily, and the queue at the counter dropped by half.”
Questions
Common merchant questions
How long until I can accept payments?
Can I do refunds?
How do you settle to my account?
Do you support multi-currency?
What about chargebacks?
Is there a sandbox?
Get started
Be live by tomorrow.
Create a merchant account today; we KYC tonight; you accept your first payment in the morning.