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Online CheckoutPayments

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.

PCI DSS Level 1
15+ payment methods
< 2s settlement
98.7% success rate

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.

๐Ÿ‡ฌ๐Ÿ‡ญ๐Ÿ‡ณ๐Ÿ‡ฌ๐Ÿ‡จ๐Ÿ‡ฒMTN MoMo
Ghana, Nigeria, Cameroon
๐Ÿ‡ฌ๐Ÿ‡ญVodafone Cash
Ghana
๐Ÿ‡ฌ๐Ÿ‡ญAirtelTigo
Ghana
๐Ÿ‡ฐ๐Ÿ‡ช๐Ÿ‡น๐Ÿ‡ฟM-Pesa
Kenya, Tanzania
๐Ÿ‡ธ๐Ÿ‡ณ๐Ÿ‡จ๐Ÿ‡ฎOrange Money
Senegal, Cรดte d'Ivoire
๐Ÿ‡ธ๐Ÿ‡ณWave
Senegal

Card Payments

Full card acceptance with 3DS2 authentication, real-time fraud scoring, and intelligent routing to maximise approval rates across all card schemes.

๐ŸŒVisa
Worldwide
๐ŸŒMastercard
Worldwide
๐Ÿ‡ณ๐Ÿ‡ฌVerve
Nigeria
๐Ÿ‡ฌ๐Ÿ‡ญGhIPSS
Ghana
๐ŸŒAmex
Worldwide
๐ŸŒUnion Pay
Worldwide

Bank Transfer

Direct debit and bank transfer acceptance via local clearing networks. Customers pay from their internet banking without leaving your checkout.

๐Ÿ‡ฌ๐Ÿ‡ญGhIPSS Instant Pay
All Ghanaian banks
๐Ÿ‡ณ๐Ÿ‡ฌNIBSS
All Nigerian banks
๐Ÿ‡ฐ๐Ÿ‡ชPesalink
All Kenyan banks
๐Ÿ‡ฌ๐Ÿ‡ญ๐Ÿ‡ณ๐Ÿ‡ฌUSSD Pay
Ghana, Nigeria
Mobile MoneyDirect integrations โ€” not aggregators. Faster approvals, lower fees, better uptime.
6 methods

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

0msโ–ถ

Customer selects items and clicks Pay. Sendexa Checkout loads as a hosted modal or embedded iframe.

Method selection

~50ms

Customer picks Card, MoMo, or Bank Transfer. The UI adapts instantly โ€” no page reload.

Auth & verification

~800ms

Card: 3DS2 challenge. MoMo: push prompt to phone. Bank: OTP via USSD. Fraud scoring runs in parallel.

Authorisation

~1.2s

Payment network authorises the transaction. For MoMo, the customer confirms on their handset.

Settlement

< 2s

Funds are captured and queued for settlement to your Sendexa wallet. T+1 for cards, real-time for MoMo.

Webhook + redirect

~2.1s

A 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.

Easiest~ < 30 min

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. 1

    Create a checkout session via API

  2. 2

    Redirect customer to the returned URL

  3. 3

    Receive webhook when payment completes

View guide
Most popular~ < 1 hour

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. 1

    Add the Sendexa JS SDK to your page

  2. 2

    Call sendexa.checkout.open() with config

  3. 3

    Handle the onSuccess / onError callbacks

View guide
Most flexible~ 1โ€“2 days

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. 1

    Build your own form in any framework

  2. 2

    Call the Payments API with tokenised card data

  3. 3

    Manage the payment lifecycle with webhooks

View guide

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.

01

Create a session with amount, currency, and customer

02

Redirect to session.checkout_url

03

Handle payment.completed webhook to fulfil order

WooCommerce pluginShopify appMagento extensionPrestaShop module
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.

BIN-aware routingCarrier-direct MoMoAuto-failover

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.

ML scoringVelocity checksDevice fingerprint

Split payments

Automatically split a transaction between multiple parties โ€” marketplace sellers, platforms, and partners โ€” at the point of payment. No manual reconciliation.

Marketplace splitsPlatform feesInstant disbursement

Recurring billing

Save cards and MoMo mandates for future charges. Build subscriptions, instalment plans, and auto-renewals without storing sensitive data yourself.

Card tokenisationMoMo mandatesSubscription engine

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.

10+ currenciesReal-time FXSingle settlement

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.

Logo & coloursCustom domainHeadless API

Refunds & disputes

Issue full or partial refunds instantly via API or dashboard. Manage chargebacks with evidence submission tools and automated response templates.

Instant refundsPartial refundsDispute management

Settlement & payouts

Daily automated settlement to your bank account or Sendexa wallet. On-demand payouts available on Growth and Enterprise plans.

T+1 settlementOn-demand payoutMulti-bank

Analytics & reporting

Real-time transaction dashboards, conversion funnels, revenue charts, and exportable reports. Understand where customers drop off in your checkout.

Real-time dashboardConversion funnelCSV export

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.

๐Ÿ›’

E-commerce

  • Product checkout
  • Cart abandonment recovery
  • Instalment plans
  • COD-to-online migration
๐Ÿ“ฑ

SaaS & Apps

  • Subscription billing
  • In-app purchases
  • Freemium upgrades
  • API usage billing
๐ŸŒพ

AgriTech

  • Farm input payments
  • Crop advance loans
  • Produce marketplace
  • Farmer payouts
๐Ÿฅ

Healthcare

  • Consultation fees
  • Lab payment
  • Insurance top-up
  • Pharmacy checkout
๐Ÿซ

EdTech

  • School fees
  • Course payments
  • Exam registration
  • Scholarship disbursement
๐Ÿจ

Travel & Hospitality

  • Hotel booking
  • Flight ticket payment
  • Safari packages
  • Event ticketing
๐Ÿ—๏ธ

Real Estate

  • Rent payment
  • Property deposit
  • Instalment plans
  • Agent commission splits
๐Ÿ’ธ

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

Card payments1.9%
Mobile money1.5%
Bank transfer1.2%

No setup fee. No monthly minimum.

Get started

Growth

$10k โ€“ $100k / month

Card payments1.5%
Mobile money1.2%
Bank transfer0.9%

Negotiated rates based on volume.

Get started

Enterprise

$100k+ / month

Card paymentsCustom
Mobile moneyCustom
Bank transferCustom

Dedicated account manager and SLA.

Contact sales

Volume 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.

No setup fee โ€” pay only when you earn

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.

No setup feePCI DSS Level 115+ payment methods98.7% success rate