Wajub vs CinetPay

CinetPay collects your mobile money and card payments and pays you out, licensed by the BCEAO. Wajub picks, for each payment, between your CinetPay account and your other providers.

In short

CinetPay is a payment aggregator founded in 2016 in Abidjan. Its entity CinetPay Africa is licensed as a payment institution by the BCEAO. It collects your payments into an account held on its books, then pays you out, by bank transfer or mobile money.²³

Wajub is an orchestration layer: it does not collect or hold funds. You connect your own accounts, CinetPay included, and Wajub picks the route for each payment. If CinetPay is unreachable during a mobile money payment, the payment goes through another connection, with nothing to redo on your side.

Point by point

What it is

Payment orchestration layer: one API, several providers behind it. Not a payment institution.

Payment aggregator; CinetPay Africa is licensed as a payment institution by the BCEAO.³⁴

Who collects the funds

Your providers, on your own accounts, who pay you out under your contract. Wajub does not hold funds.

CinetPay, into an account held on its books, then paid out by bank transfer or mobile money: within 8 days at most under its terms.³

Countries in Africa

23 countries, channel by channel, depending on the connections you enable.

10 countries: Côte d'Ivoire, Senegal, Mali, Burkina Faso, Togo, Benin, Guinea, Niger, Cameroon and DR Congo.¹⁵

Mobile money

68 local payment channels, mostly mobile money, including MTN MoMo, Orange Money, Wave, M-Pesa, Airtel Money and Moov Money.

Orange Money, MTN MoMo, Moov Money, Wave, Free Money, Express Union, M-Pesa, Airtel Money, T-Money and others, depending on the country.⁶

Cards

Through the card provider you connect: Stripe, PayPal, Flutterwave, Paystack, CinetPay, FedaPay, or KkiaPay. Card numbers never reach Wajub.

Yes, Visa and Mastercard.¹

Payouts

In Cameroon, on the Wajub rail: MTN MoMo, Orange Money and Express Union. Elsewhere, case by case: the team confirms which are available for your account.

Yes, to mobile money, one by one through the API or in bulk.¹⁷

Providers behind one integration

Several: 2 on Pay as you go, 6 on Growth, unlimited on Scale.

One: CinetPay.

If the gateway goes down

A mobile money payment that fails moves automatically to the next connection, with nothing to redo on your side. A connection that fails repeatedly is set aside, then takes its place back as soon as it works again. Card payments are the exception: they stay with the provider the card was entered with.

The payment depends on CinetPay alone. A backup through another provider takes a second contract and your own switching code.

Contract to sign

Your contract with each connected provider. In Cameroon, the Wajub rail collects MTN MoMo and Orange Money with no provider contract.

A CinetPay account, for a business or an individual; an individual signed up with a personal ID only has limits.³

Pricing

Subscription from 0 to FCFA 29,900 a month, then usage beyond the included volume. Your providers' fees come on top, under your contracts.

Between 1.5% and 3.5% per payment depending on volume, for example 2% for MTN MoMo in Cameroon; 3.5% per card.¹

Test mode

Free sandbox, no time limit. Routing between connections runs in production.

Yes: test keys in its SDKs.⁵

Information about CinetPay collected from its official pages. "Not published": missing from those pages. Something inaccurate? Write to hello@wajub.com and we will fix it. CinetPay is a trademark of its owner. Wajub is neither affiliated with nor endorsed by CinetPay.

CinetPay alone or with Wajub, country by country

On 23 of the 26 payment methods you accept with CinetPay, Wajub can switch to another connection when CinetPay is unreachable.

Country

Moov Money

6 backup routes

FedaPay
InTouch
KkiaPay
pawaPay
Monetbil
Flutterwave

CinetPay

No backup route

MTN MoMo

7 backup routes

FedaPay
InTouch
KkiaPay
pawaPay
Monetbil
Flutterwave
MTN MoMo API

CinetPay

No backup route

Using Wajub alongside CinetPay

Integrate the Wajub API: one call creates the payment, your customer pays on the checkout, a webhook confirms the outcome.
In the Dashboard, connect your CinetPay account with your API keys. Your CinetPay contract and rates stay the same.
Add a second connection on your main mobile money channels, for example pawaPay or InTouch: if CinetPay is unreachable during a mobile money payment, Wajub switches to it.

Choose CinetPay if

You want a BCEAO-licensed payment institution that collects, holds the funds and pays you out, with a subsidiary in your country.
You want one contract to collect, send bulk payouts and create payment links in West and Central Africa.
One provider is enough, with no backup connection: an orchestration layer then has nothing to add.

Choose Wajub if

You already collect with CinetPay and don't want to lose a sale if that connection becomes unreachable: add a second one on the same channels, without changing contracts.
You also sell outside CinetPay's area, in Ghana, Kenya or Tanzania for example, with the same integration.
You want to add or change providers without touching your code.

Give your payments a backup route.

Create a free account, validate the integration in the sandbox, then connect your providers.

Create a free account Read the docs