Accept payments everywhere money moves.
One integration for MTN Mobile Money, Orange Money, Visa/Mastercard, Stripe, and bank transfers. Local rails, global reach.
- Countries
- 190+
- Core rails
- 5
- Uptime
- 99.98%
- MTN Mobile Money
- Orange Money
- Visa
- Mastercard
- Stripe
- Bank transfer
Built on the same rails you have here.
Everything you need to accept payments globally.
From African mobile money to global cards and bank transfers. One integration. One dashboard. One set of webhooks.
Multi-currency settlement
Charge in the currency your customer expects, settle where you hold. XAF, NGN, USD, EUR and more via the rails below.
African mobile money
MTN Mobile Money across Cameroon and Ghana. Orange Money across West Africa. One API, one webhook contract.
Global card processing
Visa and Mastercard through our own acquiring and through Stripe. 190+ countries covered on the card rail.
Secure by default
PCI DSS Level 1 compliant. End-to-end encryption. AI-assisted fraud detection on every transaction.
Real-time webhooks
Signed outbound webhooks with retries, dead-letter, and replay. Event history you can query.
Global banking
Connect bank accounts worldwide for seamless payouts in the local currency you and your customers hold.
Every rail your customers reach for.
// Initialize WhileSmart Pay
import { WhilesmartPay } from '@whilesmart/pay'
const pay = new WhilesmartPay({
clientId: process.env.WSPAY_CLIENT_ID,
clientSecret: process.env.WSPAY_CLIENT_SECRET,
})
// Create a payment link - works for every supported rail
const link = await pay.paymentLinks.create({
name: 'Invoice #00142',
amount: 36000,
currency: 'XAF',
})
console.log(link.public_url)Built for scale, wired to your existing providers.
You already have relationships with payment providers. Keep them. We handle the infrastructure, routing, and analytics around the accounts you already hold.
Connect the providers you trust. We orchestrate the rest.
- Keep your existing provider rates and terms
- Unified API across every payment method
- Advanced routing and automatic failover
- Real-time monitoring and analytics
Six surfaces. One control plane.
Advanced analytics
Deep insight into payment performance across providers and regions.
- Real-time dashboards
- Custom reporting
- Performance metrics
- Fraud detection insights
Smart routing
Route every payment to the best-performing provider on success rate and cost.
- Success-rate optimization
- Cost optimization
- Geographic routing
- Custom routing rules
White-label
Fully customizable payment experience. Your domain, your brand, your email.
- Custom domains
- Branded checkout
- Custom email templates
- API customization
Dedicated support
24/7 support with guaranteed response times and an engineer on call.
- Dedicated account manager
- Priority support queue
- Custom integrations
- On-call engineering
Compliance & security
Enterprise-grade controls with certifications auditors already recognize.
- SOC 2 Type II
- PCI DSS Level 1
- GDPR compliant
- Custom security policies
Multi-tenant management
Manage multiple brands, business units, or clients from one dashboard.
- Organization hierarchy
- Role-based access
- Separated reporting
- Bulk configuration
Scale on your terms, with our rails.
Pay what your business earns.
No setup fees. No monthly minimums. Only successful transactions.
Perfect for getting started
- All payment methods
- Dashboard & analytics
- Email support
- Standard webhooks
- Up to $50K monthly volume
For growing businesses
- Everything in Starter
- Priority support
- Advanced analytics
- Custom webhooks
- Up to $500K monthly volume
- Multi-user access
For large-scale operations
- Everything in Growth
- Bring your own API keys
- Dedicated account manager
- White-label solution
- Custom integrations
- 24/7 phone support
Moving serious money? So are we.
Frequently asked, plainly answered.
Everything you need to know about WhileSmart Pay. Still have a question? Our team is one message away.
Contact Support- You can start accepting payments in under 5 minutes. Simply sign up, verify your business information, generate your API keys, and integrate our payment widget into your website or app.
Ready to start accepting payments?
Join businesses across 190+ countries that trust WhileSmart Pay for their payment infrastructure.