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Documentation API Fournisseurs

Fournisseurs

GerminoPay aggregates four major providers. Choose the right one for each transaction, or let us handle it automatically.

Comparison

Feature PayPal CinetPay FedaPay PayDunya
Region Worldwide West & Central Africa Benin, Togo, CI Senegal, CI
Devises EUR, USD, GBP XOF, XAF, GNF, USD, EUR XOF, USD, EUR XOF, USD, EUR
Mobile Money ❌ ✅ ✅ ✅
Cards ✅ ✅ ✅ ✅
Fees (typical) 3.4 % + 0.35 1.5 % – 2.5 % 1.8 % – 2.5 % 1.5 % – 2.5 %
Settlement Instant 24-48h 24-48h 24-48h

PayPal

Best for international payments Customers with a PayPal account or credit card outside Africa.

Specific parameters

Field Description
currencyEUR, USD, GBP
intentCAPTURE (default) or AUTHORIZE
brand_nameBusiness name shown on PayPal checkout

Example

{
  "montant": 49.99,
  "devise": "EUR",
  "fournisseur": "paypal",
  "reference": "CMD-1042",
  "client_email": "client@example.com",
  "return_url": "https://monsite.com/succes"
}

CinetPay

Best for West & Central Africa Orange Money, MTN, Moov, Wave, Visa, Mastercard in 15+ countries.

Supported countries

Bénin, Burkina Faso, Cameroun, Côte d'Ivoire, Gabon, Guinée, Mali, Niger, RD Congo, Sénégal, Tchad, Togo, ...

Example

{
  "montant": 5000,
  "devise": "XOF",
  "fournisseur": "cinetpay",
  "reference": "CMD-1043",
  "client_email": "client@example.com",
  "metadata": {
    "channels": "MOBILE_MONEY"
  }
}

FedaPay

Best for Benin, Togo, Ivory Coast Modern API, good developer experience, fast settlements.

Example

{
  "montant": 10000,
  "devise": "XOF",
  "fournisseur": "fedapay",
  "reference": "CMD-1044",
  "client_email": "client@example.com"
}

PayDunya

Best for Senegal, Ivory Coast Orange Money, Wave, Free Money, Visa.

Example

{
  "montant": 15000,
  "devise": "XOF",
  "fournisseur": "paydunya",
  "reference": "CMD-1045",
  "client_email": "client@example.com"
}

Auto-selection

Don't want to choose? Set:

{
  "fournisseur": "auto",
  "devise": "XOF",
  "montant": 5000
}

GerminoPay will pick the best available provider for the currency and country.