Payments infrastructure

Move money across Africa, in one integration.

Accept payments by card, bank transfer, mobile money and USSD — then pay out to any bank or wallet across the continent. One API, one dashboard, every rail.

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✓ PCI-DSS Level 1 ✓ Licensed across 7 markets ✓ 99.99% uptime
A
Adɔm Stores
checkout.cowrie.africa
Amount due
₵ 250.00
Mobile money
MTN · Vodafone · AirtelTigo
Card
Visa · Mastercard · Verve
Secured by Cowrie
Payout sent
₦ 1,240,000 → 3 vendors
Powering payments for ambitious businesses
AdɔmKweku FoodsBolt RideZikoraSankofa BankPamoja
One platform, every flow

Everything you need to collect and disburse money.

Plug in once and unlock the full stack — from a customer tapping "pay" to funds landing in a vendor's wallet.

Collections

Accept payments from cards, bank transfer, mobile money, USSD and Apple/Google Pay — with one checkout.

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Payouts

Disburse to any bank account or mobile wallet across Africa — single transfers or bulk, in seconds.

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Transfers & FX

Move money between currencies and borders with transparent, real-time exchange rates.

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Virtual accounts

Issue dedicated account numbers to customers and reconcile every payment automatically.

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Checkout & links

Drop in a hosted checkout or share a payment link — get paid with no code at all.

Try checkout →

Virtual cards

Issue USD and local cards for spend, subscriptions and supplier payouts — programmatically.

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Every way your customers pay

Meet customers on the rails they already use.

From a market trader's MoMo wallet to an enterprise card, Cowrie covers the methods that actually move money on the continent.

Mobile money
Cards
Bank transfer
USSD
Apple & Google Pay
Coverage

7 markets. 9 currencies. One balance.

Collect locally, settle in the currency you choose, and reach customers from Accra to Nairobi to London.

Built for developers

Go live in an afternoon, not a quarter.

Clean REST APIs, official SDKs, test keys, and webhooks for everything. The integration your engineers will actually enjoy.

  • ✓ SDKs for Node, Python, PHP, Go & Flutter
  • ✓ Sandbox with test cards, MoMo numbers & instant webhooks
  • ✓ Idempotent requests and signed webhook events
  • ✓ Docs, references and recipes that stay current
Create account → Sign in
create_charge.sh
# Charge a customer via mobile money
curl https://api.cowrie.africa/v1/charges \
  -H "Authorization: Bearer sk_live_•••" \
  -d amount=25000 \
  -d currency=GHS \
  -d channel=mobile_money \
  -d customer[email]=ama@adom.shop

# → 201 Created
{
  "status": "pending",
  "reference": "cwr_8Kq2x…",
  "channel": "mobile_money",
  "checkout_url": "https://pay.cowrie.africa/cwr_8Kq2x"
}
The dashboard

See every cedi, naira and shilling move.

Real-time balances, settlements, payouts and reconciliation — for finance and ops teams, not just engineers.

OverviewTransactionsPayoutsSettlements
GHS balance · ₵ 482,910.40
Collected today
₵ 88,240
▲ 12.4%
Paid out today
₵ 61,500
▲ 4.1%
Success rate
98.6%
▲ 0.3%

Volume · last 14 days

Recent transactions

M
MoMo · MTN
cwr_8Kq2x
+₵ 250.00
success
C
Card · Visa
cwr_7Lp9w
+₵ 1,820.00
success
P
Payout · vendor
cwr_6Mn4v
−₵ 12,000
processing
M
MoMo · Vodafone
cwr_5Jh3t
+₵ 75.00
success
$3.4B+
Processed annually
28,000+
Businesses onboard
7
African markets
99.99%
Platform uptime
Trust & security

Built to the standard regulators expect.

PCI-DSS Level 1

The highest certification for handling card data, audited annually.

Licensed & regulated

Authorised by central banks across our operating markets.

3D Secure & SCA

Step-up authentication that cuts fraud without killing conversion.

Fraud monitoring

Real-time risk scoring on every transaction, day and night.

"We switched to Cowrie and our payment success rate jumped 9 points overnight. Payouts to our riders that took days now settle in minutes."
EA
Efua Antwi
COO, Bolt Ride · Accra

Start moving money in minutes.

Create a free account, grab your test keys, and send your first payment today. No setup fees, no minimums.

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