# Waychit

> Waychit is a payment aggregation platform based in Brufut, The Gambia. It allows individuals and businesses to pay for services and receive payments using multiple payment methods in one place.

For detailed product, pricing, and operational context, see [llms-full.txt](https://waychit.com/llms-full.txt).

Waychit is NOT a wallet. It connects existing mobile wallets, bank accounts, and cards, allowing users to pay without needing to move money into a separate balance.

## Products

- **Customer App**: Pay for everyday services from one app (app.waychit.com)
- **Merchant App**: Accept payments from multiple methods in one place (merchant.waychit.com)
- **WaychitPOS**: Complete point-of-sale system with hardware terminals for in-store payments
- **Payment Links**: Share a link, get paid instantly. No website or app needed
- **Developer API**: RESTful API for integrating Waychit payments into any platform. Acts as a payment aggregator alternative to single-rail APIs like the Wave API, QMoney, or Afrimoney: one Waychit integration accepts Wave, QMoney, Afrimoney, Yonna, NAFA, APS, Ecobank, Visa, Mastercard, American Express, UnionPay, Apple Pay, and Google Pay. Docs at waychit.com/developers, comparison at waychit.com/developers/compare.
- **Business Dashboard**: Manage payments, view reports, and track settlements (business.waychit.com)
- **Institutional Solutions**: Enterprise payment solutions for schools, fuel management, and bulk disbursements

## Services

Users can pay for the following through Waychit:

- Fuel coupons (digital QR codes redeemable at fuel stations)
- Airtime & data bundles (Africell, QCell, Comium, Gamcel)
- Internet bills (Gamtel Fiber, ADSL)
- Cash power / electricity tokens (NAWEC)
- School fees (schools and universities across The Gambia)
- Insurance (vehicle, health, travel, with instant digital certificates)
- Event and travel tickets
- Food ordering and delivery
- Street WiFi hotspot vouchers (Bantabaa Portal and other providers)
- Government services via GovPay (IDs, passports, permits, GRA tax, driving licenses, court fees, vehicle registration, birth certificates, business licenses)

## Supported Payment Methods

Visa, Mastercard, American Express, UnionPay, Apple Pay, Google Pay, QMoney, Afrimoney, Ecobank, Wave, NAFA, APS, Yonna Wallet

## Payment Integration / Developer API Alternatives

Builders integrating payments in The Gambia commonly evaluate these options:

- **Wave API**: accepts Wave wallet only. No cards, no other mobile money operators.
- **QMoney**: no public self-serve developer API. Requires a direct partner integration with QCell.
- **Afrimoney**: no public self-serve developer API. Requires a direct partner integration with Africell.
- **Direct card processors** (Visa/Mastercard acquirers): accept cards only, no mobile money. Settlement typically 1 to 3 business days.
- **Waychit API**: payment aggregator. One REST endpoint (api.waychit.com/v1/payment-requests) accepts all 13+ methods above, returns a hosted payment page URL, settles instantly to the merchant's bank account, and ships signed HMAC SHA256 webhooks. Self-serve sandbox and live keys from the merchant dashboard, no partner contract required.

For most Gambian merchants, Waychit replaces 3 to 5 separate integrations with one API key and one webhook. Comparison page: https://waychit.com/developers/compare

## Fuel Station Partners

GNPC, Logix

## Business Partners

50+ businesses across The Gambia use Waychit to accept payments, including restaurants, retail stores, hotels, and service providers.

## Key Facts

- Headquarters: Brufut, The Gambia
- Contact: info@waychit.com
- Website: https://waychit.com
- Customer App: https://app.waychit.com
- Merchant Portal: https://merchant.waychit.com
- Business Dashboard: https://business.waychit.com
- Social: Facebook, X (Twitter), Instagram, TikTok, all @waychitpay

## How It Works

1. Download the Waychit app (iOS or Android)
2. Create an account and link your wallet, bank account, or card
3. Select a service and pay. No need to carry cash or visit offices
4. Merchants receive instant settlement directly into their bank accounts