Mobile Money Payments
Accept MTN Mobile Money and Orange Money payments through a hosted checkout or a simple API.
Learn moreTrusted payment rails across Central & West Africa
The Financial Infrastructure for Africa
Accept MTN Mobile Money and Orange Money payments, automate collections, and build with powerful payment APIs across Africa.
No setup fees · Go live in 48 hours · Sandbox available instantly
Products
One platform for every money movement
Modular building blocks that plug into your product, your operations and your customers' everyday life.
Merchant Dashboard
A real-time view of revenue, balance and transactions across your business.
Learn morePayment Links
Generate shareable links that collect payments in seconds — no code required.
Learn morePayouts
Send money to one recipient or many at once via MTN Mobile Money and Orange Money.
Learn moreMobile Money
Africa's dominant payment methods, natively supported
We maintain the telco relationships, retries and reconciliation so your team never touches a failed USSD flow again.
MTN Mobile Money
Direct MTN MoMo collections and disbursements with instant confirmations.
99.98% uptime
Orange Money
Native Orange Money integration with automatic reconciliation.
4.2s avg settle
QR Payments
Dynamic in-store QR codes for merchants, agents and field teams.
Offline ready
Payment Links
Share a link on WhatsApp and get paid — no code required.
0 dev hours
Payment Links
Collect payments without writing a line of code
Create a link, share it, get paid. Built for teams who need to sell today, not after a sprint.
Generate in seconds
Set a title and an amount, get a shareable link back instantly.
Share anywhere
WhatsApp, SMS, email or social — one link works for every channel.
Reusable by everyone
The same link serves many customers, each tracked as its own payment.
New payment link
Ankara Dress
XAF 45,000
lotifinance.com/pay/ankara-dress
Copied to clipboard
WhatsApp
Email
Social
Invoice
INV-0042
Logo design ×160,000
Brand guidelines ×135,000
Revisions (x3) ×35,000
TotalXAF 110,000
INV-0042.pdf
Invoicing
Bill clients and get paid without the back-and-forth
Create an invoice, send it, and let your client pay from a hosted page — no spreadsheets, no chasing.
Itemized, not just a total
Add line items, a due date and shipping — built for real billing.
Emailed to your client
Sending an invoice mails a link to a hosted page they can pay from.
A real PDF, every time
Clients can download a proper PDF copy from the hosted page.
Merchant Dashboard
Every number your finance team asks for, live
Revenue, transactions, settlements, customer growth and payment method mix — in one enterprise-grade console.
Overview
Cameroon · XAF · last 12 months
DayWeekMonthYear
Revenue
XAF 184.2M
+24.8%
Transactions
412,908
+11.3%
Settlement
XAF 39.4M
T+1
Customer Growth
18,240
+32.1%
Collections volume
+24.8% YoYJFMAMJJASOND
Payment methods
MTN Mobile Money46%
Orange Money31%
Cards14%
Bank Transfers9%
Settlement scheduled · Friday 08:00 · XAF 39,412,880
Revenue
+24.8%Success rate
94%
Top locations
Douala52%
Yaoundé31%
Bafoussam17%
Analytics
Financial analytics that actually hold up
Every chart is built from your real transactions — nothing projected, nothing simulated.
Revenue over time
Cumulative revenue, average order value and growth — charted monthly.
Success rate tracking
Completed vs. failed transactions, trending by day and month.
Where customers pay from
Real location data from every completed payment.
Payouts
Send money out as easily as you collect it
Pay suppliers, drivers or partners directly to Mobile Money — one at a time, or hundreds at once.
One recipient or many
Send a single payout or upload a whole batch — same flow either way.
Recipient lookup
We verify the account name behind a number before you send.
Automatic refunds
A failed or cancelled payout returns its reserved amount instantly.
Batch payout
Balance reservedJDJane Doe
25,000
PNPaul Nkeng
40,000
ABAissatou Bah
18,500
STSerge Tatou
32,000
4 of 4 completedXAF 115,500
October payroll
3 employeesAline Nkemta
Cashier
85,000
Serge Mbarga
Driver
95,000
Chantal Efoua
Manager
150,000
Paid via MTN Mobile Money & Orange Money
Payroll
Pay your whole team without a bank account in sight
Manage your roster and run payroll whenever you're ready — salaries settle directly to Mobile Money.
Keep a real roster
Add your team once — salary and payout method included.
Run payroll on demand
Confirm the total and send — no scheduling required.
Straight to Mobile Money
Every salary lands on MTN or Orange Money, no bank needed.
Wallet
A real business balance, not a promise of one
Hold what you collect, top up when you need to, and spend it straight into payouts and payroll.
One real balance
Everything you collect lands in a single balance, visible the moment it settles.
Top up instantly
Fund your balance from Mobile Money, fee-free.
Fuels payouts & payroll
Your balance is what pays suppliers, partners and your team.
Available balance
0 XAF
Top up
Balance
Payouts
Also funds payroll for your whole team
Accounting
The books, kept honestly
Expenses, profit & loss, receivables and a balance sheet — built from your real activity, not entered twice.
Track real expenses
Log business costs by category as they actually happen.
Profit & loss, automatically
Revenue minus payroll, payouts and expenses — computed for you.
A simple balance sheet
Balance and receivables against unpaid expenses, at a glance.
This month's statement
Revenue2,480,500
Payroll & payouts−612,000
Expenses−340,200
Net profit1,528,300
ANSMCEPT
4 teammatesAN Owner
SM Finance
CE Support
PT Ops
Recent activity
Aline logged in from Douala
Serge ran payroll for October
Chantal sent invoice INV-0042
Team Management
Run finance as a team, not a single login
Invite the people who need access, control what they can touch, and keep a record of everything.
Invite your team
Bring in teammates by email — they get their own login.
Role-based access
Control what each teammate can see and do.
Every action logged
Know who did what and when, across the dashboard.
Built for developers
Ship your first Mobile Money payment in one call
One JSON endpoint, no SDK required. Create a charge, redirect to the hosted checkout we return, and we handle MTN and Orange from there.
Plain REST API
No SDK to install — one predictable JSON endpoint to create a charge.
Hosted checkout
We return a checkout_url and host the payment page — nothing to build.
Signed webhooks
Payment events are HMAC-signed so you can verify they really came from us.
Test & live keys
Separate API keys per environment — build against sandbox, switch when ready.
create-charge.js live
1const res = await fetch("https://live.lotifinance.com/v1/charges/", {2 method: "POST",3 headers: {4 "Authorization": "Bearer " + LOTIFINANCE_SECRET_KEY,5 "Content-Type": "application/json"6 },7 body: JSON.stringify({8 amount: 5000,9 currency: "XAF",10 description: "Order #1234",11 customer_email: "jane@example.com"12 })13});1415const charge = await res.json();16// charge.status === "pending"1718window.location.href = charge.checkout_url;→ 201 Created · status: pending · redirect your customer to checkout_url
Business Solutions
Purpose-built for the industries that move Africa
From a single storefront to national utilities, LotiFinance scales with your collections.
E-commerce
Checkout, refunds and payouts for online sellers.
Ride Hailing
Instant driver payouts and in-app rider wallets.
Schools
Tuition collection with automated reminders.
Churches
Offerings, tithes and campaign giving via MoMo.
Hospitals
Consultation billing and insurance settlement.
Utilities
High-volume bill collection with reconciliation.
Government
Fees, taxes and levies with full audit trails.
Verification
One honest KYC step between you and going live
Complete business verification once, from the dashboard, and start accepting real payments.
Step 1
Submit
Tell us who you are and upload your business documents.
Step 2
Review
We check everything — the same process any licensed platform runs.
Step 3
Verified
Your business is confirmed and your account is cleared.
Step 4
Live
Live payments switch on instantly — no separate activation step.
Pricing
Simple, pay-as-you-go pricing
No setup fees, no monthly minimums. A fee only applies on the categories below.
Collections
3%
per successful payment · min. 50 XAF
Accept MTN Mobile Money and Orange Money payments from your customers — charges, payment links and invoices all fall under this rate.
Payouts
2%
per payout · min. 50 XAF
Send money out to suppliers, partners or your own team's payroll via Mobile Money. Rate reduces as your transaction volume increases.
Top-ups
2%
per top-up
Fund your LotiFinance balance from Mobile Money, with a small processing fee.
Custom rates
High-volume business?
Merchants processing over 5,000 transactions a month can negotiate a custom rate tailored to their business.
Contact sales →Customers
Teams building Africa's next decade of commerce
From high-growth startups to national operators, finance teams run on LotiFinance.
“We moved 100% of our tuition collections to LotiFinance. Reconciliation went from three days of spreadsheets to a single dashboard.”
94% on-time payments
“Driver payouts used to fail nightly. With the Mobile Money API our success rate sits at 99.9% and support tickets dropped by half.”
−52% support tickets
“Payment links let our customers settle bills in seconds — no calls, no queues, just a link and Mobile Money.”
3.1M monthly payments
Security & Trust
Bank-grade controls on every transaction
Security is our product surface, not an afterthought. This page describes controls LotiFinance operates today; it is not an independent certification.
PCI Ready
Card data handled in a PCI-aligned environment.
Encrypted
AES-256 at rest, TLS 1.3 in transit, always.
24/7 Monitoring
Anomaly alerting on every transaction stream.
Fraud Detection
Suspicious accounts and transactions can be reviewed and suspended by our team at any time.
Secure APIs
Scoped keys, signed webhooks, IP allowlists.
Compliance
KYC/AML workflows aligned to local regulation.