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ZikoPay

Complete Payment Solutions

Everything you need to accept payments and grow your business

Pay-ins
Payouts
Wallets
Operators
KYC

Customer

Z

Zikopay

Payment Gateway

Merchant

MTN Mobile Money
Orange Money
Visa
Mastercard
Moov Money
+ More
Pay-ins

Pay-ins

Accept payments via mobile money and cards with customizable checkout experiences

Mobile Money Integration

Support for MTN Mobile Money, Orange Money, and other regional mobile money providers

Card Payments

Accept Visa, Mastercard, and local card payments with robust security and fast processing

Customizable Checkout

Branded checkout experiences that match your website or app design

Real-time Notifications

Instant updates on payment status via webhooks, email, or SMS

Explore Pay-in Documentation
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ZikoPay
Secure Payment
A
African Books Online
Order #12345678
Order Summary
ProductPremium Plan
Total Amount$49.99
Select Payment Method
MTN
MTN Mobile Money
Pay with your mobile wallet
Visa Card
Pay with credit/debit card
OM
Orange Money
Pay with your mobile wallet
MTN
OM

Compare All Features

See how different plans compare and find the perfect option for your business needs

View Feature Comparison

Compare Plans

Choose the plan that best fits your business needs

Payment Method
Regions
Pay-in Fee
Payout Fee

Mobile Money Operators

MTN
MTN Mobile Money
Cameroon, Nigeria, Ghana
1.8%+CFA 100
1.5%+CFA 150
OM
Orange Money
Cameroon, Côte d'Ivoire
1.7%+CFA 100
1.4%+CFA 150
MM
Moov Money
Côte d'Ivoire, Togo
1.8%+CFA 100
1.5%+CFA 150
AM
Airtel Money
Nigeria, Chad
1.9%+CFA 110
1.6%+CFA 160

Card Payments

Visa
International
2.9%+$ 0.3
Not Available
MC
Mastercard
International
2.9%+$ 0.3
Not Available
* Fixed fees for Mobile Money payments are in CFA/FCFA. Fixed fees for Card payments are in USD.
View Full Pricing Details

Easy to Integrate

Integrate Zikopay into your application with just a few lines of code

curl -X POST "https://api.payment.zikopay.com/v1/payments/payin/card" \
  -H "X-API-Key: zikopay_pk_AQMCy8TCaA9GjAlC3aFv9ZKC6inBNck8" \
  -H "X-API-Secret: zikopay_sk_Ay0q0M4Ynym6IOzh92YTZVwvwUM2zVH3obhNoGZcRZO378B3IyJTKVATga27MM4E" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 200,
    "currency": "XAF",
    "operator": "visa",
    "return_url": "https://your-website.com/success",
    "cancel_url": "https://your-website.com/cancel",
    "callback_url": "https://your-website.com/webhook",
    "description": "Payment for order #12345",
    "payment_details": {
      "product_name": "Premium Plan"
    },
    "customer": {
      "name": "John Doe",
      "phone": "696447002",
      "email": "john@example.com"
    }
  }'

Response

Status: 200 OK
{
  "status": "success",
  "message": "Payment request created successfully",
  "data": {
    "reference": "TXN174506674372585E",
    "amount": 200,
    "currency": "XAF",
    "operator": "visa",
    "status": "pending",
    "checkout_url": "https://checkout.zikopay.com/p/TXN174506674372585E",
    "expires_at": "2025-04-20T15:30:45Z"
  }
}
1

Get API Keys

Sign up for a Zikopay account and generate your API keys from the dashboard

2

Make API Request

Integrate the API into your application using our client libraries or direct API calls

3

Receive Payments

Start accepting payments in your application through our secure payment gateway

View full documentation

Ready to Transform Your Payment Experience?

Join hundreds of businesses using Zikopay to process payments across Central and West Africa

15+

Mobile Money Operators

99.9%

Uptime Guarantee

24/7

Technical Support