What is the best alternative to the Wave API in The Gambia?

Waychit is the most direct alternative. Wave's API only accepts Wave wallet payments. Waychit gives you one REST API that accepts Wave, QMoney, Afrimoney, Yonna, NAFA, APS, Visa, Mastercard, Amex, UnionPay, Apple Pay, Google Pay, plus Ecobank bank transfers. You integrate once and cover 16+ payment methods instead of building a separate integration per wallet.

How do I accept QMoney and Afrimoney with a single API?

Use Waychit. QMoney and Afrimoney do not publish self-serve developer APIs, so most merchants would otherwise need a separate partner integration with each operator. Waychit aggregates them behind one REST endpoint at api.waychit.com/v1/payment-requests. Your customer picks their wallet on the hosted payment page and Waychit routes the transaction to the right operator.

Can I accept international cards in The Gambia through a payment API?

Yes. Waychit accepts Visa, Mastercard, American Express, UnionPay, Apple Pay, and Google Pay in GMD, alongside all major Gambian wallets. This makes Waychit usable for both local merchants and Gambian diaspora-facing businesses that need to charge a card abroad.

Is Waychit cheaper than building direct integrations with each wallet?

For most merchants, yes. Direct integrations require a partnership process with each operator (Wave, QMoney, Afrimoney, banks), engineering time per integration, separate webhook handling, separate reconciliation, and ongoing maintenance. Waychit charges a single per-transaction fee and replaces all of that with one API key and one webhook.

Does Waychit support hosted checkout or do I need to build the payment UI?

Both. The Payment Requests endpoint returns a waychitLaunchUrl you redirect customers to, so you do not need to build a payment UI or handle card data. If you want a custom checkout, the Payment Sessions endpoint supports line items, metadata, and your own success page.

How fast does Waychit settle funds compared to traditional card processors?

Settlement is instant to the merchant's linked bank account. Traditional card processors in West Africa typically settle in 1 to 3 business days. Wallet-only APIs settle to a wallet balance that requires a manual cash-out.

Does Waychit have a sandbox and code samples?

Yes. The /developers page has full REST documentation with curl and JavaScript samples for payment requests, payment sessions, and webhook signature verification. Sandbox keys are issued from the merchant dashboard.

API comparison

One API to replace three integrations.

Most Gambian payment APIs only support one rail. Waychit aggregates 16+ methods, cards, mobile money, and bank transfers, behind a single REST endpoint with signed webhooks and instant settlement.

Get your API keys Read the API docs

TL;DR for developers

Wave's API only accepts Wave wallet. QMoney and Afrimoney do not have public self-serve APIs.
Waychit aggregates Wave, QMoney, Afrimoney, Yonna, NAFA, APS, Ecobank, plus Visa, Mastercard, Amex, UnionPay, Apple Pay, Google Pay.
One Authorization header, one webhook endpoint, one reconciliation pipeline.
Funds settle instantly to the merchant's bank account, not to a wallet balance.
Self-serve sandbox and live keys from the merchant dashboard, no partner contract required to start.

Feature comparison

Based on publicly available documentation and partner-facing specs as of 2026.

Feature	Wave API	QMoney	Afrimoney	Card processor
Single API for cards + mobile money
Accepts Visa, Mastercard, Amex, UnionPay
Accepts Apple Pay, Google Pay				Some
Accepts Wave, QMoney, Afrimoney, Yonna, NAFA, APS	Wave only	QMoney only	Afrimoney only
Accepts Ecobank bank transfers
Hosted payment page (no PCI scope)				Varies
Signed webhooks (HMAC SHA256)	Limited	Limited	Limited
Instant settlement to bank account	Wallet	Wallet	Wallet	1 to 3 days
Public REST docs and code samples	Partner only	Partner only	Partner only
Self-serve API keys from dashboard				Varies
Payment links without code
One integration covers 16+ methods

Wave, QMoney, and Afrimoney are trademarks of their respective owners.

Migrating from a single-rail API

Get API keys

Sign up for a Waychit merchant account and generate a live key plus webhook secret from the dashboard. No partner contract required.

Swap your endpoint

Replace your existing wallet-specific endpoint with POST https://api.waychit.com/v1/payment-requests. Pass amount, description, success and failure URLs.

Redirect to the hosted page

Use the returned waychitLaunchUrl. Your customer picks Wave, QMoney, Afrimoney, card, or bank on the page. No new UI work.

Verify the webhook

Listen for payment.request.completed at your existing webhook URL. Verify the Waychit-Signature header with HMAC SHA256 over timestamp.body.

Reconcile to one account

All settlements land in your linked bank account. Drop your per-wallet reconciliation jobs.

Frequently asked questions

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