Every way to get paid, in one place.

Crypto, mobile money, bank cards and Binance Pay. One integration, one dashboard, and payouts to a wallet, mobile money or a bank account.

Create an account See how it works

CryptoStablecoins and major coins
Mobile moneyIn most African countries
Bank cardWhere available
Binance PayFrom the customer's app

One checkout, every payment method.

Your customers pay the way they already do. You receive every payment in the same place.

Mobile moneyXOFXAF

Mobile money

In most African countries. Your customer approves the payment on their phone.

CryptoStablecoins

Crypto

Each payment gets its own address or exact amount, and is matched automatically.

Bank card

On a secure payment page, where available.

Binance PayUSDT

Binance Pay

Your customer scans the code or opens Binance Pay, then approves the payment.

From checkout to payout, one flow.

One integration covers every method, and one payout flow sends the money where you want it.

Payment page on a phone: choosing a payment method — **Every method on one page**Your customer picks crypto, mobile money, a card or Binance Pay.

Payment page on a phone: paying 250 USDT on Tron — **Matched automatically**Each payment is confirmed on its own, then your webhook is called.

Payouts your wayTo a crypto wallet, a mobile money number or a bank account.

Sonco Pay dashboard: balance, collected volume and payments over time

One dashboard for every payment.

Payments from every method land in the same place, with a balance for each currency.

Verified businessesEvery business is verified before it accepts real payments.
Encrypted payout detailsBank and mobile money details are stored encrypted.
Signed webhooksEvery event is signed, so your server can trust it.

: per successful payment

5: languages on the payment page
3: ways to withdraw: a wallet, mobile money or a bank

Mobile money in most African countries.

Your customers pay with the operators they use every day, and you are credited in the local currency.

WaveOrange MoneyMTN MoMoMoov MoneyFree Moneyand more

Create an account Mobile money guide

One integration for every method.

One call creates a payment and returns a link to the payment page, where your customer chooses how to pay.

REST APIWith a test mode that works like the real one.
SDKsNode.js · PHP · Python
Hosted payment pageIn five languages, on any screen.

API reference SDKs

Create a payment

import SoncoPay from 'soncopay-node';

const sp = new SoncoPay(process.env.SONCOPAY_API_KEY);

const payment = await sp.payments.create({
  amount: '250.00',
  currency: 'USD',
  order_id: 'demo-1042',
});
res.redirect(303, payment.checkout_url);

use SoncoPay\Client;

$sp = new Client(getenv('SONCOPAY_API_KEY'));

$payment = $sp->payments->create([
    'amount'   => '250.00',
    'currency' => 'USD',
    'order_id' => 'demo-1042',
]);
header('Location: ' . $payment['checkout_url'], true, 303);

from soncopay import SoncoPay

sp = SoncoPay(os.environ["SONCOPAY_API_KEY"])

payment = sp.payments.create(
    amount="250.00",
    currency="USD",
    order_id="demo-1042",
)
return redirect(payment["checkout_url"], code=303)

POST/webhooks/soncopay200 OK

X-SoncoPay-Signature: 9f2c…a71e
{ "event": "payment.paid", "data": { … } }

In preparation

Coming soon

Two new ways to pay with Sonco Pay.

Sonco Pay Wallet

Send, receive and pay from your phone.

9:41

DWalletDemo

Total balance 1,284.50 USDT +120.00

Send Receive Pay

Activity

ReceivedUSDT · Tron+120.00
DSDemo StorePaid−25.00
SentUSDT · BNB Smart Chain−40.00

Chrome extension

Pay in one click on the stores you visit.

Get notified

Simple pricing, known upfront.

A commission on each successful payment, taken from the amount received. Nothing to pay before your first sale.

CommissionPer payment

Setup fee: None
Monthly fee: None
Test mode: Free
Payout fees: Minimums and payout fees by network

Create an account Fee details

Your questions, answered.

Read the documentation

Which payment methods can my customers use?

Crypto, mobile money, bank cards where available and Binance Pay. Your payment page only shows the methods open for each payment.

How are deposits matched to my orders?

Depending on the network, each payment receives its own deposit address or a unique exact amount. When the funds arrive, the payment is marked paid automatically.

Where can I withdraw my money?

Add a crypto wallet, a mobile money number or a bank account as a payout destination in your dashboard, then withdraw from your balance.

Can payments be sent to my wallet automatically?

Yes. Choose automatic settlement in your settings and add a settlement destination: the net of each paid payment is sent to it. Otherwise funds stay in your balance until you withdraw.

When can I accept real payments?

Test mode works as soon as you sign up. Live mode opens once our team has approved your business verification, which you complete from your dashboard.

Start accepting every payment today.

Create your account and try it in test mode, for free.

Create an account Log in