221 Pay frequently asked questions
Wave and Orange Money through an API without NINEA or RCCM, fees, delays, countries, test mode, WooCommerce, Flutter, WhatsApp, refunds, limits.
Short answers, checked against this documentation. Each answer points to the page that is authoritative.
Can I collect with Wave through an API without a company or RCCM?
Yes. 221 Pay asks for neither a NINEA nor an RCCM to create an account, get API keys, test and accept Wave payments. Individuals, freelancers and companies are accepted. Details: What is needed to start and to withdraw?
Is there an Orange Money API for individuals?
With 221 Pay, yes: an individual or freelancer in Senegal can collect with Orange Money through an API, without NINEA or RCCM. Orange Sonatel's developer portal, for its part, requires a production file with RCCM and NINEA (221 directory entry verified on 28 September 2026). See Integrate Orange Money.
What is an alternative to PayTech without an RCCM?
221 Pay lets you start without NINEA or RCCM. To activate production, PayTech asks for the NINEA, an identity document, the trade register, a status document and proof of address (PayTech documentation read on 8 October 2026). See the comparison.
How much does 221 Pay cost?
2% of the amount per operation (collection, mobile payout, refund) for Wave and Orange Money in Senegal, operator fees included. A payout to a bank account costs 5% to 2.5% depending on the amount. See How much does 221 Pay cost?
How long does it take to get an API key?
A test key is available as soon as the project is created in the dashboard. It needs no document and moves no real money. See Authentication.
Which countries does 221 Pay cover?
Senegal, Côte d'Ivoire, Burkina Faso, Togo and Benin, in CFA francs (XOF). A new project has Senegal's Wave and Orange Money enabled; an administrator enables the other rails. See Rails and countries.
How do I test without real money?
With a key starting with sk_221_pay_test_, the simulator confirms each payment
within seconds. Webhooks, balances, refunds and payouts work as in live mode.
See Testing.
When is collected money available, and how long does a payout take?
The net amount is credited to the balance when the payment is confirmed. A payout requires verified identity; a bank transfer arrives in 3 to 5 business days, and the outcome of a mobile payout is followed by status and webhook. See Payouts.
What are the payout limits?
To a mobile number, by default: 150,000 CFA francs per payout, 3 payouts and 300,000 CFA francs per day, 1,500,000 CFA francs per month. To a bank account: 200,000 to 5,000,000 CFA francs per payout and 10,000,000 CFA francs per month. See Payouts.
Can I refund a customer?
Yes, in full or in part, to the number that paid, at 2% for Wave and Orange Money in Senegal. The merchant or the customer bears the fee, as chosen, and no identity verification is required to refund. See Refunds.
Is there a WooCommerce plugin?
The documentation describes no official WooCommerce plugin. A WordPress store calls the API from its server, or sells with payment links. See WooCommerce.
Can I use 221 Pay in a Flutter app?
Yes, through the app's server: the API key never goes into a published app. The server creates the payment, the app opens the payment address, then a webhook confirms. See Flutter.
How do I sell on WhatsApp and get paid with Wave or Orange Money?
With a payment link: an amount, a description, and a link to send in the conversation. No code to write and no payment page to build. See WhatsApp sellers.
How do I know a payment is confirmed?
221 Pay sends the signed payment.succeeded event to the project's webhook. The
payment can also be read at any time, and its status is then confirmed. See
Webhooks.
Last updated on