Straight answers, no detours.
Account opening, fees, timings, webhooks, security: here is what we are asked most often. If your question is not here, it deserves a real answer — write to us.
Getting started
Opening an account, getting your keys, going live.
01
How long does it take to open an account?
Creating the account takes a few minutes: a shop name, an email address, a phone number and a password. Your test keys are available as soon as you sign up, so you can start integrating the same day. Switching on real payments then requires your account to be approved by our team.
02
What do I need to provide to be approved?
The information that identifies the person or the business behind the shop: the identity of the person in charge, the nature of the activity, the Mobile Money number used for payouts and, for a company, its registration documents. These checks are not a decorative formality: they are required of us by the rules that apply to payment services, and they also protect your customers.
03
Can I integrate before I am approved?
Yes, and it is even recommended. While the account is awaiting approval it runs in test mode: you build, you put your error cases through their paces, you check that your webhooks arrive. The day the account is activated, all that is left is to replace the test key with the live key in your configuration.
04
Do I have to be a registered business?
For test mode, no. To take real payments you need an identifiable activity — sole trader or company. If your situation is unusual, write to us before you create the account rather than after: we will tell you plainly whether we can take you on.
Payments
Operators covered, amounts, how a transaction unfolds.
01
Which operators are covered?
MTN Mobile Money and Orange Money, the two wallets used in Cameroon. Your customer has nothing to choose: we recognise their operator from the prefix of their number and send the request to the right network. Other payment methods may be added later, but we would rather do these two properly before announcing any others.
02
What are the minimum and maximum amounts?
A payment must be between 100 FCFA and 1,000,000 FCFA. Those limits are the platform's; your operator also applies its own ceilings, which depend on the level of your customer's Mobile Money account. A payment refused for exceeding a ceiling comes back with an explicit message.
03
What happens if the customer does not confirm with their PIN?
The payment request stays on their phone for a while, then expires at the operator's end. The payment then fails with a reason along the lines of “code not entered in time”, and your customer can start another attempt from the same page without you having to recreate an order. No commission is due on a transaction that does not go through.
04
How long does a payment link stay valid?
A payment page stays usable for 30 minutes after it is created. After that the payment moves to “expired” and the link no longer allows payment: you have to create a new one. It is a protection against links left lying around in a conversation that someone reopens three weeks later.
05
My customer says they paid but the order is still pending.
This happens when the customer paid to the merchant code from their USSD menu instead of confirming the request sent by the platform. In that case they declare their transaction reference on the payment page, and the operation goes into a confirmation queue: it is checked, then approved or refused. You see these cases in your dashboard, and the payment only moves to “succeeded” once it has been checked.
Fees and payouts
What the service costs and how to get your money out.
01
How much does the service cost?
3% of the amount, taken on each successful transaction. No subscription, no setup fee, no minimum billing amount. On a sale of 10,000 FCFA, the commission comes to 300 FCFA and your balance is credited with 9,700 FCFA.
02
Is anything charged on a failed payment?
No. A payment that is refused, cancelled, expired or abandoned carries no commission. You are billed on what you actually collect, and on that alone.
03
How soon am I paid out?
The net amount of a successful payment joins your available balance. You then request a payout to your Mobile Money number from the dashboard: the request is checked then executed, usually within one working day. The minimum payout is 1,000 FCFA and the sending fee (1%) is shown to you before you confirm.
04
What happens if a payout fails?
If the transfer to your number does not go through — wrong number, account at its ceiling, operator unavailable — the full amount returns to your available balance and the matching entry appears in your ledger. Nothing goes missing on the way: every balance movement has its own line.
05
How do I handle a customer refund?
Automatic refunds to the customer's wallet are not offered yet. In practice, today you refund from your own Mobile Money account and keep the proof of the transfer. We would rather say so than let you believe in a button that does not exist.
Technical
Keys, webhooks, checking payments.
01
What is the difference between a test key and a live key?
The mode of a call comes from the key used, never from a parameter: an “sk_test_” key cannot move real money, an “sk_live_” key cannot create a fake payment. Both sets of keys live side by side on the same account, and your test transactions stay separate from your real ones in the dashboard.
02
How do I check that a payment really succeeded?
By querying the API with your secret key: GET /api/v1/payments/{id}. That response is the one that counts. Never release an order on the strength of the browser redirect alone, nor on the contents of a webhook alone: treat the webhook as a signal telling you “go and check”, then check.
03
My webhook did not arrive, what should I do?
Start with the notification log in your dashboard: it shows the address called, the HTTP code returned and the response received. A notification that is not acknowledged is retried up to 8 times, with lengthening delays, and you can replay it manually. The most frequent causes are an HTTP address that cannot be reached from outside, an expired certificate, bot protection, or a CSRF token check blocking the request.
04
How do I verify a webhook signature?
Every call carries the X-WalleoPay-Signature header, which contains a timestamp and an HMAC signature computed over “timestamp.body” with your secret. Recompute it on your side, compare it with a constant-time comparison function, and reject calls whose timestamp is too old. A notification whose signature does not match must be ignored, without exception.
05
Can two clicks from the customer create two payments?
Not if you send an idempotency key when creating the payment. The same call replayed then returns the original payment instead of creating a second one. It is one header line to add, and it saves you the costliest class of bug in a checkout flow.
06
How do I test my error cases?
Test mode provides dedicated numbers whose outcome is known in advance: success, insufficient balance, refusal by the customer, no response. You can therefore check what your shop displays in each situation without waiting for a real customer to hit the problem. The list is in the documentation.
Security and account
Protecting your keys, access for your team, data.
01
Where are my API keys stored?
The full secret is shown to you only once, when it is created. We keep only a cryptographic fingerprint of it: even we cannot read it back. If you lose it or believe it has been compromised, roll the key from the dashboard — the old one stops working immediately.
02
My secret key has leaked, what do I do right now?
Roll it straight away from the API keys page, update your server, then go through your recent transactions looking for movements you do not recognise. A secret key must never sit in code sent to the browser, in a distributed mobile app, or in a shared code repository.
03
Can several people access the account?
Yes. You can attach several users to the same shop, each with their own credentials. Nobody needs to share a password, and a colleague leaving does not force you to reset everything.
04
What do you do with my customers' data?
We process strictly what the payment requires: Mobile Money number, amount, reference, transaction status and the related technical logs. This data is neither sold on nor used for advertising. The details are on the privacy page.
Is your question not here?
Technical question or account question, someone who knows the product answers you. And if the answer can help other merchants, it will end up on this page.
WalleoPay · support@walleopay.com