Build wallets, lending apps, and neobanks on a regulated payment infrastructure. Everything you need — APIs, compliance, and local payment rails — in one platform.
From simple wallets to complex lending flows — our APIs handle the payment layer so you can focus on your product.
Power user wallets with top-up (via Mobile Money), transfers between users, and withdrawal to mobile wallet — all via API.
Enable seamless user-to-user transfers within your platform. Instant, low-cost, and fully auditable.
Disburse loans directly to borrowers' mobile wallets and collect repayments automatically via scheduled deductions.
Build an agent network where users can deposit and withdraw cash through verified human agents across the country.
Embed BNPL flows at checkout. Split customer payments into installments while you receive the full amount upfront.
Schedule recurring deductions for savings groups (tontines), pension contributions, or investment plans.
Operating in regulated African markets requires navigating complex licensing, KYC, and AML requirements. Bitwisi Pay handles the regulatory heavy lifting so your team can focus on building product.
Regulatory Coverage
const BitwisiPay = require('bitwisi-pay');
const pay = new BitwisiPay({ apiKey: 'sk_live_xxx' });
// Disburse loan to borrower
const disbursement = await pay.payouts.send({
amount: 150000, // XOF
currency: 'XOF',
method: 'orange_money',
phone: '+23707XXXXXXXX',
reference: 'LOAN_2026_00412',
description: 'Loan disbursement - 30-day term'
});
console.log(disbursement.status); // "completed"
console.log(disbursement.txId); // "txn_abc123xyz"Join the fintechs, neobanks, and lending platforms already powering their products with our infrastructure.