Mobile Money & Crypto · Hosted pages & Direct API
Payments made simple for Africa
Collect payments with a shareable link or integrate our API in minutes. Verified merchants, hand-activated keys, a real sandbox and a mobile app that feels native.
- No monthly fees
- No premium plans
- Instant sandbox
PayLinkyAPI
Total Balance
$2,458.75
≈ 1,512,340 XAF
Today
$524.30
Success
298
Orange Money+ $85.00
MTN MoMo+ $50.00
Crypto USDT+ $150.00
Accept the payment methods your customers already use
Moov MoneyMTN MoneyCeltiis MoneyCoris MoneyOrange MoneyWallet LigdiCashMTN Mobile MoneyAirtel MoneyDjamoWave MoneyAmanataZamaniNitaAfri MoneyMpesa MoneyVodacomE-moneyFree MoneyMixx By YasUSDTBitcoinEthereumUSDCHosted checkoutDirect APIPayment linksMoov MoneyMTN MoneyCeltiis MoneyCoris MoneyOrange MoneyWallet LigdiCashMTN Mobile MoneyAirtel MoneyDjamoWave MoneyAmanataZamaniNitaAfri MoneyMpesa MoneyVodacomE-moneyFree MoneyMixx By YasUSDTBitcoinEthereumUSDCHosted checkoutDirect APIPayment links
13
African countries
19+
Mobile Money operators
39
Crypto assets
2
Ways to integrate
Features
Everything you need to get paid
From a first sandbox test to production volume, Paylinky covers the whole payment journey.
Hosted payment pages
Create a link from the app or API. Customers pick country, operator and pay on a secure branded checkout.
Direct API
Build your own checkout with clean REST endpoints, idempotent references and instant responses.
Mobile Money everywhere
MTN, Orange, Wave, Moov, Airtel, M-Pesa, OPay and more — USSD push, OTP and redirect flows handled for you.
Crypto payments
Accept USDT, BTC and more with a dedicated address, network and automatic confirmation.
Real sandbox
Deterministic test numbers and a built-in console to simulate success, pending, failure, OTP and cancel.
Signed webhooks
HMAC-signed events with delivery logs so you always know what your server received.
Reports & analytics
Daily volume, success rate and revenue by operator and country — in USD equivalent.
Subscriptions
Create recurring plans and bill customers weekly, monthly or yearly with one tap.
Wallet & withdrawals
Funds land in your wallet after confirmation. Cash out to Mobile Money, bank or crypto.
Live notifications
Instant alerts for payments, KYC decisions, key activation and support replies.
Human support
Open a ticket from the app, attach screenshots and get replies from a real team.
AI-ready docs
llms.txt, a full-text docs file and an OpenAPI spec so your AI assistant integrates correctly.
How it works
Go live in four steps
1
Create your account
Register in seconds and start testing in the sandbox immediately — no approval needed.
2
Verify your identity
Upload the front and back of your ID and tell us about your business in a short application.
3
Get your keys activated
Our team reviews your application and activates your live API keys personally.
4
Start getting paid
Share payment links or call the API. Track every payment in real time from your phone.
For developers
One API. Two ways to integrate.
Pick the hosted page for the fastest launch, or the Direct API for full control — both use the same keys, wallet and webhooks.
Hosted Page API
POST /payment-links returns a checkout URL. Redirect your customer and we handle the rest.
Direct API
POST /collect and /crypto/collect with idempotent references, OTP and redirect flows.
Sandbox
Simulate every outcome with test numbers — plus a console inside the app.
AI-ready
Give your assistant /llms-full.txt or /openapi.json and let it write the integration.
bash
1curl -X POST https://paylinky.vercel.app/api/v1/collect \2 -H "Authorization: Bearer plk_test_your_key" \3 -H "Content-Type: application/json" \4 -d '{5 "amount": 1000,6 "currency": "XAF",7 "country_code": "CM",8 "operator": "MTN Mobile Money",9 "phone": "+237000000001",10 "reference": "order_1234"11 }'Try it with your sandbox key — no real money moves.
Coverage
Accept payments across the continent
The list below is live — countries and operators we switch on appear here automatically.
🇧🇯
Bénin
XOF
Moov MoneyMTN MoneyCeltiis MoneyCoris Money
🇧🇫
Burkina Faso
XOF
Orange MoneyMoov MoneyWallet LigdiCash
🇨🇲
Cameroun
XAF
Orange MoneyMTN Money
🇨🇫
Centrafrique
XAF
Orange Money
🇨🇬
Congo
XAF
MTN Mobile MoneyAirtel Money
🇨🇮
Côte d'Ivoire
XOF
MTN MoneyMoov MoneyDjamoOrange MoneyWave Money
🇬🇦
Gabon
XAF
Airtel MoneyMoov Money
🇲🇱
Mali
XOF
Moov MoneyOrange Money
🇳🇪
Niger
XOF
Moov MoneyAirtel MoneyAmanataWallet LigdiCashZamaniNita
🇨🇩
RD Congo
CDF
Orange MoneyAfri MoneyMpesa MoneyVodacomAirtel Money
🇸🇳
Sénégal
XOF
E-moneyOrange MoneyFree MoneyWave Money
🇹🇩
Tchad
XAF
Moov MoneyAirtel Money
🇹🇬
Togo
XOF
Moov MoneyMixx By Yas
Crypto
USDC · ETHUSDC · POLYGONUSDC · BSCUSDC · SOLUSDT · TRXUSDT · TONUSDT · ETHUSDT · POLYGONUSDT · SOLUSDT · BSCCardano · ADACardano · BSCBNB · BSCBitcoin · BTCBitcoin · BSCDogecoin · DOGEDogecoin · BSCEthereum · ETHEthereum · BSCLitecoin · LTCPolygon · POLYGONSolana · SOLSolana · BSCSui · SUIToncoin · TONToncoin · BSCTRON · TRXStellar · XLMStellar · BSCXRP · XRPXRP · BSCTezos · XTZBitcoin Cash · BSCPancakeSwap · BSCDogs · TONPolkadot · BSCShiba Inu · ETHShiba Inu · BSCTrust Wallet Token · BSC
Mobile app
Your payments in your pocket
Install Paylinky on Android and run your business on the go. Full-screen, fast, with push-style alerts, side drawer and system back-button support.
- Create payment links in seconds
- Real-time payment notifications
- Scan-ready QR codes for every link
- Upload KYC documents with your camera
Payment links
Collect payments
Withdrawals
Reports
Pricing
One simple fee. No plans.
No setup cost, no monthly subscription, no premium tiers. You see the exact fee on every payment.
Paylinky fee per successful payment
8%
plus network & operator costs, always returned as
Start for freefee_amount.- Unlimited payment links
- Mobile Money & crypto on every account
- Sandbox with unlimited tests
- Signed webhooks & delivery logs
- Reports, subscriptions and notifications
- Withdrawals from 5%
- Human support via tickets
Verified merchants only
Live access requires KYC with ID front & back and a business application reviewed by our team.
Secure by design
API keys are stored hashed, requests are rate-limited and logged, and webhooks are HMAC-signed.
Hand-activated keys
No automated live access. Every live key is activated by an administrator and can be revoked instantly.
Reviews
Loved by merchants and developers
Merchants are just getting started — be among the first to share your experience.
“Setting up a payment link took two minutes. I shared it on WhatsApp and got paid the same day.”
“The hosted checkout is clean and trusted by our customers — conversion went up.”
“Idempotent references mean a network timeout never creates a double charge for us.”
“Withdrawals are reviewed fast and I get a notification when they're paid.”
“Reports show which operator brings the most revenue. That helped us focus our marketing.”
“OTP flow for Orange Money was easy to implement thanks to the step-by-step guide.”
“We use the Direct API for our app and payment links for invoices. Both work great together.”
“Transparent fees. No monthly plan, no surprises — I always see fee and credited amount on each payment.”
“The app feels native on my phone. The drawer, the back button, everything just works.”
“Support replied to my ticket within the hour and fixed my webhook issue with screenshots.”
“I love that my customers can pay by Mobile Money or crypto on the same hosted page.”
“KYC was quick and the team explained exactly what was missing when my first upload was blurry.”
“Webhooks are signed and the delivery log makes debugging easy. No more guessing if a callback arrived.”
“The docs are clear and the OpenAPI file let our AI assistant write the integration almost by itself.”
“Finally one integration for MTN, Orange and Wave. Our checkout code got much simpler.”
“The sandbox with test numbers saved us days. Every scenario — success, pending, OTP — behaved exactly like the docs.”
“Setting up a payment link took two minutes. I shared it on WhatsApp and got paid the same day.”
“The hosted checkout is clean and trusted by our customers — conversion went up.”
“Idempotent references mean a network timeout never creates a double charge for us.”
“Withdrawals are reviewed fast and I get a notification when they're paid.”
“Reports show which operator brings the most revenue. That helped us focus our marketing.”
“OTP flow for Orange Money was easy to implement thanks to the step-by-step guide.”
“We use the Direct API for our app and payment links for invoices. Both work great together.”
“Transparent fees. No monthly plan, no surprises — I always see fee and credited amount on each payment.”
“The app feels native on my phone. The drawer, the back button, everything just works.”
“Support replied to my ticket within the hour and fixed my webhook issue with screenshots.”
“I love that my customers can pay by Mobile Money or crypto on the same hosted page.”
“KYC was quick and the team explained exactly what was missing when my first upload was blurry.”
“Webhooks are signed and the delivery log makes debugging easy. No more guessing if a callback arrived.”
“The docs are clear and the OpenAPI file let our AI assistant write the integration almost by itself.”
“Finally one integration for MTN, Orange and Wave. Our checkout code got much simpler.”
“The sandbox with test numbers saved us days. Every scenario — success, pending, OTP — behaved exactly like the docs.”
“I love that my customers can pay by Mobile Money or crypto on the same hosted page.”
“KYC was quick and the team explained exactly what was missing when my first upload was blurry.”
“Webhooks are signed and the delivery log makes debugging easy. No more guessing if a callback arrived.”
“The docs are clear and the OpenAPI file let our AI assistant write the integration almost by itself.”
“Finally one integration for MTN, Orange and Wave. Our checkout code got much simpler.”
“The sandbox with test numbers saved us days. Every scenario — success, pending, OTP — behaved exactly like the docs.”
“Setting up a payment link took two minutes. I shared it on WhatsApp and got paid the same day.”
“The hosted checkout is clean and trusted by our customers — conversion went up.”
“Idempotent references mean a network timeout never creates a double charge for us.”
“Withdrawals are reviewed fast and I get a notification when they're paid.”
“Reports show which operator brings the most revenue. That helped us focus our marketing.”
“OTP flow for Orange Money was easy to implement thanks to the step-by-step guide.”
“We use the Direct API for our app and payment links for invoices. Both work great together.”
“Transparent fees. No monthly plan, no surprises — I always see fee and credited amount on each payment.”
“The app feels native on my phone. The drawer, the back button, everything just works.”
“Support replied to my ticket within the hour and fixed my webhook issue with screenshots.”
“I love that my customers can pay by Mobile Money or crypto on the same hosted page.”
“KYC was quick and the team explained exactly what was missing when my first upload was blurry.”
“Webhooks are signed and the delivery log makes debugging easy. No more guessing if a callback arrived.”
“The docs are clear and the OpenAPI file let our AI assistant write the integration almost by itself.”
“Finally one integration for MTN, Orange and Wave. Our checkout code got much simpler.”
“The sandbox with test numbers saved us days. Every scenario — success, pending, OTP — behaved exactly like the docs.”
“Setting up a payment link took two minutes. I shared it on WhatsApp and got paid the same day.”
“The hosted checkout is clean and trusted by our customers — conversion went up.”
“Idempotent references mean a network timeout never creates a double charge for us.”
“Withdrawals are reviewed fast and I get a notification when they're paid.”
“Reports show which operator brings the most revenue. That helped us focus our marketing.”
“OTP flow for Orange Money was easy to implement thanks to the step-by-step guide.”
“We use the Direct API for our app and payment links for invoices. Both work great together.”
“Transparent fees. No monthly plan, no surprises — I always see fee and credited amount on each payment.”
“The app feels native on my phone. The drawer, the back button, everything just works.”
“Support replied to my ticket within the hour and fixed my webhook issue with screenshots.”
“Reports show which operator brings the most revenue. That helped us focus our marketing.”
“OTP flow for Orange Money was easy to implement thanks to the step-by-step guide.”
“We use the Direct API for our app and payment links for invoices. Both work great together.”
“Transparent fees. No monthly plan, no surprises — I always see fee and credited amount on each payment.”
“The app feels native on my phone. The drawer, the back button, everything just works.”
“Support replied to my ticket within the hour and fixed my webhook issue with screenshots.”
“I love that my customers can pay by Mobile Money or crypto on the same hosted page.”
“KYC was quick and the team explained exactly what was missing when my first upload was blurry.”
“Webhooks are signed and the delivery log makes debugging easy. No more guessing if a callback arrived.”
“The docs are clear and the OpenAPI file let our AI assistant write the integration almost by itself.”
“Finally one integration for MTN, Orange and Wave. Our checkout code got much simpler.”
“The sandbox with test numbers saved us days. Every scenario — success, pending, OTP — behaved exactly like the docs.”
“Setting up a payment link took two minutes. I shared it on WhatsApp and got paid the same day.”
“The hosted checkout is clean and trusted by our customers — conversion went up.”
“Idempotent references mean a network timeout never creates a double charge for us.”
“Withdrawals are reviewed fast and I get a notification when they're paid.”
“Reports show which operator brings the most revenue. That helped us focus our marketing.”
“OTP flow for Orange Money was easy to implement thanks to the step-by-step guide.”
“We use the Direct API for our app and payment links for invoices. Both work great together.”
“Transparent fees. No monthly plan, no surprises — I always see fee and credited amount on each payment.”
“The app feels native on my phone. The drawer, the back button, everything just works.”
“Support replied to my ticket within the hour and fixed my webhook issue with screenshots.”
“I love that my customers can pay by Mobile Money or crypto on the same hosted page.”
“KYC was quick and the team explained exactly what was missing when my first upload was blurry.”
“Webhooks are signed and the delivery log makes debugging easy. No more guessing if a callback arrived.”
“The docs are clear and the OpenAPI file let our AI assistant write the integration almost by itself.”
“Finally one integration for MTN, Orange and Wave. Our checkout code got much simpler.”
“The sandbox with test numbers saved us days. Every scenario — success, pending, OTP — behaved exactly like the docs.”
“Setting up a payment link took two minutes. I shared it on WhatsApp and got paid the same day.”
“The hosted checkout is clean and trusted by our customers — conversion went up.”
“Idempotent references mean a network timeout never creates a double charge for us.”
“Withdrawals are reviewed fast and I get a notification when they're paid.”
Some reviews shown are sample content that illustrates how reviews appear. Real merchant reviews are added after moderation and replace samples.
FAQ
Questions, answered
How long does verification take?
Most applications are reviewed within one business day. You get an in-app notification the moment a decision is made — and if something is missing, we tell you exactly what to fix.
Why are live keys activated manually?
Paylinky handles real money, so every live key is reviewed and switched on by our team after KYC. Sandbox keys are instant so you can build while you wait.
What's the difference between payment links and the Direct API?
Payment links give you a hosted checkout URL with zero code. The Direct API lets you build your own checkout and trigger Mobile Money or crypto payments from your server. You can use both with the same key.
Do you have premium plans?
No. There are no monthly fees, tiers or paywalls. You only pay a simple per-transaction fee, shown on every payment.
Which countries and methods are supported?
Right now 13 countries and 19+ Mobile Money operators, plus crypto. The list is live — see the section above.
Can I test without real money?
Yes. Sandbox keys and the in-app console simulate every outcome with special phone numbers, including webhooks.
Is there an Android app?
Yes. Paylinky installs like a native app on Android — full screen, with the system back button and gestures supported.
How do I get paid out?
Confirmed payments are credited to your wallet. Request a withdrawal to Mobile Money, bank or crypto and our team processes it.
Ready to get paid?
Create your account, test in the sandbox today and go live as soon as you're verified.