How does a freelancer without a company collect with Wave or Orange Money?
A freelancer collects clients through Wave and Orange Money with one payment link per invoice, without NINEA or RCCM. ID document before the first payout.
A freelancer creates a 221 Pay account without NINEA or RCCM, then sends each client a payment link per invoice. The money lands on the 221 Pay balance; an identity document is requested only before the first payout.
Flow
Create the account
Open the 221 Pay dashboard and create an account. No document is required for that or to accept payments (What is needed to start and to withdraw?).
Create one link per invoice
A link carries the amount in CFA francs, a description of 1 to 80 characters (for example "Invoice 2026-014, website mockup") and, optionally, an expiry date. The client picks Wave or Orange Money, enters their number and pays. See Payment links.
Send the link
By email, SMS or messaging: the link is a link_to_pay address. No payment page
to build.
Cost
2% of the amount per Wave or Orange Money collection in Senegal, and 2% per payout to a mobile number. Example: a 100,000 CFA franc invoice credits 98,000 CFA francs. See How much does 221 Pay cost?
When to move to the API
If invoices are issued by software that must be told about the payment, the API and webhooks do it without manual work: How do I accept a first payment through the API?
Refund
An overpaying client or a cancelled service is refunded in full or in part, without identity verification: Refunds.
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How do I accept Wave and Orange Money in a Flutter app?
A Flutter app goes through a server that creates the payment with the API key, then opens checkout_url. The key never goes into the app.
How do I sell on WhatsApp and get paid with Wave or Orange Money?
A WhatsApp seller sends a 221 Pay payment link in the chat: the customer pays with Wave or Orange Money, no code and no NINEA or RCCM.