Sell anywhere. Get paid everywhere.
Your buyer pays with MTN Mobile Money, Orange Money, or a card from any country. You get one link, one dashboard, one balance you can withdraw.
A checkout that only takes cards turns away every buyer whose money lives in a mobile wallet.
- 01
Create a link
Name it, set an amount, pick a currency. No code, no store to build.
- 02
Share it
Drop it in a bio, a WhatsApp chat, an invoice, or your own checkout.
- 03
Get paid
Your buyer pays their way. The money lands in a balance you can withdraw.
- MTN Mobile Money
- Orange Money
- Visa
- Mastercard
- Stripe
- Bank transfer
Businesses collecting on WhileSmart Pay today.
Getting paid is one part of running a business.
WhileSmart Business is the hub for the rest of it: invoicing, collections, and payroll. Pay collects the money across all of them, from the same account you start today.
Never lose a sale over how someone pays.
Mobile money, cards, and bank transfers behind one link and one dashboard. Your customer picks; you just get paid.
The wallet your buyer already uses
MTN Mobile Money across Cameroon and Ghana. Orange Money across West Africa. The buyer pays from the balance in their pocket, not a card they do not have.
Cards from anywhere
Visa and Mastercard through our own acquiring and through Stripe, so a customer in Paris or Toronto checks out as easily as one in Douala.
Charge in their currency, settle in yours
Price in what your customer expects and hold what you want. XAF, NGN, USD, EUR and more, in one balance you control.
Fraud handled for you
PCI DSS Level 1 compliant, end-to-end encrypted, with AI-assisted fraud checks on every transaction. You sell; we watch the door.
Know the moment you are paid
Signed webhooks with retries, dead-letter, and replay, plus an event history you can query. Your app reacts the second money lands.
Money out, to your bank
Connect bank accounts worldwide and pay out in the local currency you hold. Getting money out is not an afterthought.
If you can share a link, you can sell it.
Every rail your customers reach for.
Prefer to build it yourself?
Every rail on this page works through one API call. Signed webhooks, a real sandbox, and docs that respect you.
Read the docs// 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.
Your next customer is ready to pay.
Create a payment link in five minutes and take mobile money, cards, and bank transfers on day one.