---
title: "SenePay: Payment Gateway in Africa"
description: "Accept and send mobile money across 16 West/Central African countries. Payins cost 3.6% (0% withdrawal) + fees; Links 5,000 FCFA/mo."
canonical_url: "https://liners.com/senepay"
markdown_url: "https://liners.com/senepay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/sene-pay/screenshot.webp?v=1787051819796"
published_at: "2026-08-18T16:32:33.840Z"
updated_at: "2026-10-06T18:07:56.439Z"
---

# SenePay: Payment Gateway in Africa

Accept and send mobile money across 16 West/Central African countries. Payins cost 3.6% (0% withdrawal) + fees; Links 5,000 FCFA/mo.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [SenePay](/senepay)

## Summary

Accept and send mobile money across 16 African countries

A Senegal-based payment gateway API for African merchants to accept mobile money, run payouts, payment links, QR payments, and subscriptions across 16 supported countries.

## Product details

| Field | Value |
| --- | --- |
| Website | https://sene-pay.com/ |
| Tagline | Accept and send mobile money across 16 African countries |
| Primary country | Senegal |
| Platforms | Web, API |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

SenePay is a Senegal-based **payment gateway** and **unified REST API** for merchants, professionals, and enterprises that need to accept and send **mobile money payments** across West and Central Africa.

Key capabilities include:
- **Online payment acceptance (Payin)** across **16 supported countries** via local mobile money operators per market, such as **Orange Money**, **Wave**, **Free Money**, **MTN**, **Moov**, **Airtel**, **Afrimoney**, and **M-Pesa**, through a single integration.
- **Payouts (reversements)** to send funds to suppliers, partners, or clients across the same footprint, plus **international transfers**.
- **Payment links (SenePay Links)** to collect payments via shareable links (for example, on WhatsApp) without a website, plus **QR code payments** for encashment.
- **Recurring subscriptions**, **real-time webhooks** (such as payment.succeeded, payout.failed), and an **analytics dashboard** for revenue, transactions, and success-rate tracking.

Available via a **web dashboard** and **REST API**, with documentation and a sandbox at **api.sene-pay.com**, plus web-based payment links.

SenePay's own documentation lists **16 live countries**: **Senegal**, **Cote d'Ivoire**, **Mali**, **Burkina Faso**, **Guinee**, **Benin**, **Togo**, **Niger**, **Gambie**, **Guinee-Bissau**, **Cameroun**, **Gabon**, **Congo-Brazzaville**, **Centrafrique**, **Tchad**, and **RD Congo**, each mapped to its own set of local mobile money operators.

Target users include **African e-commerce businesses, marketplaces, SaaS companies, agencies, retailers, service providers, and institutions** integrating mobile money into websites and applications.

Notable for its **WAEMU/CEMAC payments focus**, including **PCI DSS** alignment, **BCEAO directives** references, **SSL/TLS 256-bit encryption**, **data hosted in Senegal**, and local support in **Wolof and French**. Public pricing starts at **3.6% per collection (0% on withdrawal) plus operator fees**, with SenePay Links from **5,000 FCFA/month** for 50 links included.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Benin](/countries/benin): Market
- [Burkina Faso](/countries/burkina-faso): Market
- [Cameroon](/countries/cameroon): Market
- [Central African Republic](/countries/central-african-republic): Market
- [Chad](/countries/chad): Market
- [Congo](/countries/congo): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [DR Congo](/countries/dr-congo): Market
- [Gabon](/countries/gabon): Market
- [Gambia](/countries/gambia): Market
- [Guinea](/countries/guinea): Market
- [Guinea-Bissau](/countries/guinea-bissau): Market
- [Mali](/countries/mali): Market
- [Niger](/countries/niger): Market
- [Senegal](/countries/senegal): Market
- [Togo](/countries/togo): Market

## Related pages

- [Alternatives](/senepay/alternatives)
- [Reviews](/senepay/reviews)
- [Transparency](/senepay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/senepay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)