- Do I need approval before using live keys?
- Yes — your merchant account has to complete KYC before live keys are issued. Sandbox keys work the moment you create the account.
- Are there rate limits?
- Yes: 60 requests/second per API key for reads, 30/second for writes. You'll get 429 with a Retry-After header when you exceed them.
- How long is a payment intent valid?
- 30 minutes by default. After expiry the intent transitions to failed and the customer has to start over.
- Can I issue refunds via API?
- Yes — POST /api/v1/merchant/refunds. Partial refunds are supported. Refund state propagates back to the payment as `refunded` once it settles.
- Is there a fixed fee or percentage?
- 0.7 – 1.2% on settlement (tiered by volume), no per-transaction or monthly fee. See the public /pricing page for the latest schedule.
- How are settlements paid out?
- Daily, weekly, or monthly depending on your settlement preference (manage at /merchant/settlements). Payouts go to MoMo, Orange Money, or a bank account.
- Do you support multi-currency?
- XAF only at the moment. Multi-currency (XOF, NGN, EUR, USD) is on the roadmap — exchange rates will be admin-curated.
- Where do I report a security issue?
- security@quatapay.com — encrypted via our PGP key on /legal/security. Don't open a public issue.
Still stuck?
Open a ticket at Developer support — include your X-Request-Id header and what you expected vs. what happened.