Accept payments
across Africa.
Card, MoMo, bank.
A single checkout experience that accepts Visa, Mastercard, mobile money, and local bank transfers โ built for African purchasing habits, designed to maximise conversion.
TechApp Pro โ 1 month
Order #TXN-8821
GHS 450.00
incl. VAT
Mobile Money
Live transactions
98.7%
Success rate
< 2s
Avg. speed
15+
Methods
98.7%
Payment success rate
< 2s
Avg. processing time
15+
Payment methods
10+
African countries
0%
Setup fees
99.9%
Uptime SLA
Payment methods
How Africans actually pay.
All of it, one checkout.
We support every major payment channel used across Sub-Saharan Africa โ not just cards. Your customers pay how they prefer, you get settled in one place.
Mobile Money
The dominant payment channel in West & East Africa. We integrate directly with MNO APIs for real-time confirmation, not third-party aggregators.
Card Payments
Full card acceptance with 3DS2 authentication, real-time fraud scoring, and intelligent routing to maximise approval rates across all card schemes.
Bank Transfer
Direct debit and bank transfer acceptance via local clearing networks. Customers pay from their internet banking without leaving your checkout.
Transaction lifecycle
From click to
confirmed in 2 seconds.
Every payment flows through a six-step pipeline engineered for African networks โ fraud checks, carrier handshakes, and authorisation all happen in parallel to keep the experience fast.
Parallel fraud scoring during auth โ no added latency
Automatic retry on soft-decline before showing error
Carrier-direct MoMo for faster push prompts
3DS2 with device fingerprinting reduces friction vs 3DS1
Signed webhook + idempotent order fulfilment pattern
Customer initiates
0msโถCustomer selects items and clicks Pay. Sendexa Checkout loads as a hosted modal or embedded iframe.
Method selection
~50msCustomer picks Card, MoMo, or Bank Transfer. The UI adapts instantly โ no page reload.
Auth & verification
~800msCard: 3DS2 challenge. MoMo: push prompt to phone. Bank: OTP via USSD. Fraud scoring runs in parallel.
Authorisation
~1.2sPayment network authorises the transaction. For MoMo, the customer confirms on their handset.
Settlement
< 2sFunds are captured and queued for settlement to your Sendexa wallet. T+1 for cards, real-time for MoMo.
Webhook + redirect
~2.1sA signed webhook fires to your server. Customer is redirected to your success URL. You fulfil the order.
Integration options
Ship in 30 minutes.
Or own every pixel.
Three integration paths โ pick the one that matches your timeline and technical needs.
Hosted Checkout
Redirect customers to a Sendexa-hosted checkout page. Zero frontend code. Handles all payment UI, PCI compliance, and mobile responsiveness for you.
How it works
- 1
Create a checkout session via API
- 2
Redirect customer to the returned URL
- 3
Receive webhook when payment completes
Embedded Checkout
Drop our JavaScript SDK into your page. Checkout opens as a modal โ customers never leave your site. Full control over branding and UX.
How it works
- 1
Add the Sendexa JS SDK to your page
- 2
Call sendexa.checkout.open() with config
- 3
Handle the onSuccess / onError callbacks
Custom UI (API-only)
Build your own payment form. Use our Payments API directly for full control over every pixel. You handle the UI; we handle PCI, fraud, and processing.
How it works
- 1
Build your own form in any framework
- 2
Call the Payments API with tokenised card data
- 3
Manage the payment lifecycle with webhooks
Developer experience
Checkout in
one API call.
Create a checkout session, redirect your customer, and handle the webhook on completion. SDKs for Node.js, Python, PHP, and direct REST API access.
Create a session with amount, currency, and customer
Redirect to session.checkout_url
Handle payment.completed webhook to fulfil order
import Sendexa from "sendexa";
const client = new Sendexa(process.env.SENDEXA_API_KEY);
// Create a checkout session
const session = await client.checkout.create({
amount: 45000, // in pesewas (GHS 450.00)
currency: "GHS",
customer: {
email: "kwame@techapp.gh",
phone: "+233 55 123 4567",
name: "Kwame Asante",
},
order: {
reference: "TXN-8821",
description: "TechApp Pro โ 1 month subscription",
},
payment_methods: ["card", "mobile_money", "bank_transfer"],
success_url: "https://myapp.co/payment/success",
cancel_url: "https://myapp.co/payment/cancel",
metadata: {
user_id: "usr_abc123",
plan: "pro",
},
});
// Redirect customer
res.redirect(session.checkout_url);
// Webhook handler (payment.completed)
app.post("/webhooks/sendexa", async (req, res) => {
const event = req.body;
if (event.event === "payment.completed") {
await activateSubscription(event.data.metadata.user_id);
}
res.json({ received: true });
});What's included
Everything a payment
stack should have.
Smart routing
Transactions are routed to the optimal processor based on card BIN, carrier, and real-time success rates. Maximises approvals without touching your integration.
Fraud prevention
ML-based fraud scoring runs on every transaction before authorisation. Velocity checks, device fingerprinting, and geo-anomaly detection run in parallel with no added latency.
Split payments
Automatically split a transaction between multiple parties โ marketplace sellers, platforms, and partners โ at the point of payment. No manual reconciliation.
Recurring billing
Save cards and MoMo mandates for future charges. Build subscriptions, instalment plans, and auto-renewals without storing sensitive data yourself.
Multi-currency
Accept payments in GHS, NGN, KES, XOF, USD, and more. Sendexa handles FX conversion and settles to your account in your preferred currency.
Checkout customisation
Match your brand exactly. Customise colours, logo, button text, and language. Or go headless and build your own UI on top of the Payments API.
Refunds & disputes
Issue full or partial refunds instantly via API or dashboard. Manage chargebacks with evidence submission tools and automated response templates.
Settlement & payouts
Daily automated settlement to your bank account or Sendexa wallet. On-demand payouts available on Growth and Enterprise plans.
Analytics & reporting
Real-time transaction dashboards, conversion funnels, revenue charts, and exportable reports. Understand where customers drop off in your checkout.
Security & compliance
We handle the hard
compliance stuff.
Achieving and maintaining PCI DSS Level 1 certification costs hundreds of thousands of dollars and months of auditing. When you use Sendexa Checkout, you inherit our compliance โ no annual audit required on your end.
PCI DSS Level 1 โ the highest level of card data security
3DS2 authentication on all card transactions
AES-256 encryption of all sensitive data at rest
TLS 1.3 in transit โ no unencrypted connections accepted
HMAC-signed webhooks to verify event authenticity
SOC 2 Type II audit in progress โ available under NDA
PCI DSS
Level 1
Highest tier of card payment security certification
3DS2
Enabled
Next-gen authentication with reduced customer friction
AES-256
At rest
Military-grade encryption for all stored payment data
TLS 1.3
In transit
Latest transport security, all legacy protocols rejected
HMAC-SHA256
Webhooks
Signed payloads so you can verify every event is genuine
Tokenisation
Cards & MoMo
Raw payment details never touch your servers
Use cases
Built for every
African business.
E-commerce
- Product checkout
- Cart abandonment recovery
- Instalment plans
- COD-to-online migration
SaaS & Apps
- Subscription billing
- In-app purchases
- Freemium upgrades
- API usage billing
AgriTech
- Farm input payments
- Crop advance loans
- Produce marketplace
- Farmer payouts
Healthcare
- Consultation fees
- Lab payment
- Insurance top-up
- Pharmacy checkout
EdTech
- School fees
- Course payments
- Exam registration
- Scholarship disbursement
Travel & Hospitality
- Hotel booking
- Flight ticket payment
- Safari packages
- Event ticketing
Real Estate
- Rent payment
- Property deposit
- Instalment plans
- Agent commission splits
Fintech
- Wallet top-up
- Loan repayment
- Savings contribution
- Insurance premium
Pricing
Pay as you go.
No monthly minimums.
We take a small percentage of each transaction. No setup fee, no monthly fee, no hidden charges. The more you process, the lower your rate.
Starter
Up to $10,000 / month
No setup fee. No monthly minimum.
Get startedGrowth
$10k โ $100k / month
Negotiated rates based on volume.
Get startedEnterprise
$100k+ / month
Dedicated account manager and SLA.
Contact salesVolume discounts
Rates decrease automatically as your monthly processed volume grows. No renegotiation needed.
Settlement
T+1 settlement for cards to your Sendexa wallet. Real-time for MoMo. On-demand payouts available.
No hidden fees
The rate you see is all-in. No currency conversion mark-up, no chargeback fee, no refund fee.
Start accepting payments
today.
Get your API key, create a checkout session, and accept your first payment in under 30 minutes. No credit card required to start.