What you can do in Senegal
One Monerails account, one integration: here are the services open in Senegal.
Collections
Accept Orange Money, Wave, Mixx by Yas and E-money through the API, on your website or in your app. The customer approves on their phone and the net amount lands on your XOF balance.
Payouts
Pay suppliers, staff and customers by Orange Money, Wave, Mixx by Yas and E-money, one by one or in bulk, with a status for every payout.
Settlements
Move your XOF balance to your business mobile money account whenever you want, priced like a payout.
Payment links
Create a link in seconds and share it by WhatsApp, SMS, email or QR code: your customer pays in Senegal with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Senegal and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: SN, currency: XOF.
Supported operators in Senegal
Your customers pay from
You pay out to
Indicative list. The current list, with how each operator approves payments, is returned by the API:
GET /v1/operators?currency=XOFMobile money in Senegal
In Senegal, Wave is widely used day to day: a checkout without Wave lets a large share of customers walk away. Senegal is also the default XOF country in the Monerails API, which keeps your first requests simple; for the other WAEMU countries, you just add the country code.
Use cases in Senegal
Selling on WhatsApp and Instagram
Send each customer a payment link: they choose Wave, Orange Money, Mixx by Yas or E-money and pay in seconds.
Riders and contractors
Pay your Dakar riders per delivery or per week, straight to their wallet.
Startups and SaaS
Collect from your Senegalese subscribers in XOF and pay for servers and tools with a virtual dollar card.
How it works
Open your account
Create your account in minutes and get your test keys: test mode is free, with test numbers for every country we cover.
Integrate, or go no-code
Call POST /v1/collections with "currency": "XOF" from your server, or create a payment link from the dashboard, with no development.
Go live
Once your business is verified, your live keys collect and pay out in Senegal. Every operation is confirmed by a signed webhook.
Pricing in Senegal
Mobile money
Collection and payout fees in Senegal are published country by country on the price list, with no subscription or setup fee: see the price list. Every fee is shown before you confirm.
See the price listVirtual USD cards
Frequently asked questions
Which mobile money operators are available in Senegal?
Orange Money, Wave, Mixx by Yas and E-money, for collections and payouts alike. The current list, with how each operator approves payments (PIN or one-time code), is returned by GET /v1/operators?currency=XOF&country=SN.
Which country code and amount format should I use?
The country code is SN, the default for XOF, so the country field is optional. XOF amounts are whole units, with no decimals: "amount": 5000 means 5,000 XOF.
Do I need a website to collect in Senegal?
No. A Monerails payment link opens a page where your customer chooses Orange Money, Wave, Mixx by Yas or E-money, enters their number and approves. You share it by WhatsApp, SMS, email or QR code, and every payment shows up in your dashboard.
Can I issue virtual cards to people living in Senegal?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Senegal included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
In the same currency zone (UEMOA, XOF)
Documentation: docs.monerails.com/coverage · Collections guide
Ready to get started in Senegal?
Open an account in minutes. Test mode is free, with no subscription.