Technas Pay
Cards and mobile money, with one SDK
Your customers pay by card anywhere in the world, or by mobile money in West and Central Africa.
1%
by card
plus the Stripe fees of your account
2%
with mobile money
the operator's fees are paid by the customer
0
subscription
no setup fee, no minimum
Why integrate it
One call
method: "card" or mobile money, nothing else changes.
Written down to the app
Server routes and Flutter screens included, no key in the app.
Wired by your assistant
Codex or Claude Code read AGENTS.md and plug it all in.
Tested before any paperwork
A test key, no contract, no documents.
Cards
Visa, Mastercard, plus Apple Pay or Google Pay depending on the customer's device.
- ●Your customers: anywhere in the world.
- ●Your business: in one of the 44 countries where Stripe opens accounts.
- ●Not yet in West or Central Africa: there, it's mobile money.
- Test mode today
Countries where Stripe opens business accounts
See the 44 countries
Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hong Kong SAR China, Hungary, Ireland, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Thailand, United Arab Emirates, United Kingdom, United States.
Mobile money
An amount in CFA francs: the currency follows the customer's country.
10
CFA zone countries open
9
countries outside the zone, optional
XOF · XAF
same value, no conversion
See operators and fees, country by country
| Country | Currency | Operators | Customer fee |
|---|---|---|---|
| Benin | XOF | Celtiis Cash Bénin, MTN MoMo Benin, Moov Money Benin | 3.5% |
| Burkina Faso | XOF | Moov Burkina Faso, Orange Burkina Faso | 4.2% – 4.5% |
| Cameroon | XAF | MTN MoMo Cameroon, Orange Money Cameroon | 4.75% |
| Congo - Brazzaville | XAF | Airtel Congo Brazzaville, MTN Congo Brazzaville | 5.7% |
| Côte d’Ivoire | XOF | Djamo Côte d'Ivoire, MTN MoMo CI, Moov Money CI, Orange Money CI, Wave CI | 3.5% – 3.9% |
| Gabon | XAF | Airtel Gabon, Moov Money Gabon | 4.95% – 5% |
| Mali | XOF | Mobi Cash Mali, Moov Money Mali, Orange Money Mali | 3.5% – 4% |
| Niger | XOF | Airtel Niger | 5.5% |
| Senegal | XOF | Expresso Sénégal, Free Money Senegal, Orange Money Senegal, Wave Senegal, Wizall Senegal | 3.5% – 5.15% |
| Togo | XOF | Moov Money Togo, Togocel Money | 4.1% |
Outside the CFA zone, the customer pays at the day's rate in their currency, if you turn this option on.
| Country | Currency | Operators | Customer fee |
|---|---|---|---|
| Congo - Kinshasa | CDF | Afrimoney Congo, Airtel Congo, Orange Congo, Vodacom Congo | 4.2% – 5.5% |
| Ghana | GHS | Airtel/Tigo Ghana, MTN MoMo Ghana, Vodafone Ghana | 4% |
| Guinea | GNF | MTN MoMo Guinea | 5.25% |
| Kenya | KES | Airtel Money Kenya, M-Pesa Kenya | 3.5% – 4.5% |
| Rwanda | RWF | Airtel Rwanda, MTN MoMo Rwanda | 4.2% – 4.7% |
| Sierra Leone | SLE | Orange Sierra Leone | 5% |
| Tanzania | TZS | Airtel Tanzania, EzyPesa Tanzania, Halopesa, TTCL Tanzania, Tigo Tanzania, Vodacom Tanzania | 4.5% – 5% |
| Uganda | UGX | Airtel Uganda, MTN MoMo Uganda | 4.2% – 4.7% |
| Zambia | ZMW | Airtel Zambia, MTN MoMo Zambia, Zamtel Kwacha | 3.5% – 5.5% |
Coming soon: Guinea-Bissau, Central African Republic, Equatorial Guinea, Chad, Malawi, Mozambique. Nigeria only has bank transfer, no mobile money. No mobile money in US dollars.
Operators and fees read on 15 November 2026.
How the money moves
Cards
Customer pays
Stripe page in your name
Your Stripe account
Minus 1% and Stripe fees
Your bank
Paid out by Stripe
Mobile money
Customer pays
With their operator
Your balance
Minus 2%
Your number
Every Monday
Test everything for free, before handing over a single document
Your code goes through every live case, without money:
Paid
One click, or card 4242 4242 4242 4242
Declined
The customer can try again
Expired
After one hour
Refunded
Full or partial
Notifications
Signed webhooks
In live mode, only the key changes.
About twenty lines on each side
The same call in every language, and the Flutter app already written.
import { createTechnasPay, retryReference } from "@technas/pay";
const pay = createTechnasPay({ secret: process.env.TECHNAS_PAY_SECRET });
const { checkoutUrl } = await pay.askForPayment({
method: "card", // card: currency required, decimals allowed
amount: 49.9,
currency: "EUR",
reference: retryReference(order.id, order.attempt), // one reference = one attempt
customer: { email: order.email, name: order.name },
returnUrl: "https://votre-site.com/merci",
});
// without method: mobile money, 5000 = 5,000 CFA francs
res.redirect(303, checkoutUrl);
What you receive
Example: account in France, EEA card (1.5% + €0.25, read on 15/11/2026). Your country: stripe.com/pricing
Rounded example, fees read on 15/11/2026.
What works today
As of 15 November 2026
Mobile money, CFA zone
LiveMobile money outside the zone
Live, optionalCards
Test mode, live once our Stripe account is activatedMobile money payouts
Not yet opened by our provider, the money waits on your balanceTest and live spaces
In preparationnpm, PyPI, Packagist, pub.dev
Not published yet: install from GitHub
Frequently asked questions
My business is in Togo. Can I accept cards?
Not today: Stripe does not open accounts in West Africa. Mobile money, yes.
Do I need a Stripe account?
For cards, yes: we create it, you finish signing up with Stripe. For mobile money, no.
Who pays the operator's fees?
The customer, added to the price.
When do I get paid?
By card, Stripe pays out to your bank. With mobile money, every Monday from 10,000 CFA francs, once our provider opens payouts.
Do I need documents?
Not to test, not to collect. An ID to receive mobile money payouts.
Shall we start?
Currencies, documents, payouts and a comparison with other providers: github.com/Technas-Organization/technas-pay