Payments

Ikawaari provides a unified payments API that supports multiple payment methods across African markets.

Supported Payment Methods

Method	Countries	Currencies
Mobile Money	Côte d'Ivoire, Sénégal, Mali, Burkina Faso, Guinée, Cameroun, RDC	XOF, XAF, GNF, CDF
Card Payments	All supported countries	XOF, XAF, EUR, USD
Bank Transfer	Côte d'Ivoire, Sénégal	XOF
Wave	Côte d'Ivoire, Sénégal	XOF

How Payments Work

Customer → PaymentIntent → Payment Method → Provider → Confirmation → Webhook

1. Create a PaymentIntent — Specify amount, currency, and allowed payment methods
2. Collect payment details — Use Checkout, Payment Links, or your own UI
3. Confirm the payment — The customer authorizes the transaction (e.g., USSD prompt for mobile money)
4. Receive confirmation — Ikawaari sends a payment_intent.succeeded webhook

Payment Lifecycle

requires_payment_method → requires_confirmation → processing → succeeded
                                                             ↘ failed

Status	Description
requires_payment_method	Awaiting customer payment method
requires_confirmation	Payment method collected, awaiting confirmation
processing	Payment is being processed by the provider
succeeded	Payment completed successfully
failed	Payment failed (insufficient funds, timeout, etc.)
canceled	Payment was canceled

Next Steps

• Accept a Payment — Step-by-step integration
• Mobile Money — Orange Money, MTN MoMo, Wave
• Card Payments — Visa, Mastercard
• Payment Links — No-code payment pages