# Fapshi

> Fapshi is Cameroon's leading payment gateway — enabling businesses to accept MTN Mobile Money and Orange Money online through payment APIs, no-code payment links, event ticketing, invoicing, and more. Free to sign up; 3% per successful transaction, 0% on withdrawals.

## About Fapshi

Fapshi Inc. is a fintech startup headquartered in Buea, Cameroon. We build payment infrastructure and financial tools that make it easy for businesses of all sizes — from solo entrepreneurs to large enterprises — to collect, manage, and disburse payments online.

**Key facts:**
- Founded in Cameroon (Sub-Saharan Africa)
- Supported currency: XAF (Central African Franc / CFA Franc BEAC)
- Supported payment networks: MTN Mobile Money (MoMo), Orange Money
- Languages: English, French (fully bilingual)
- Pricing: 3% per successful payment, 0% for withdrawals, no monthly fees
- Integration time: under 5 minutes (no-code) or under 1 day (REST API)
- Payout speed: instant for mobile money, up to 2 business days for bank

**Headquarters:** Buea, Cameroon
**Website:** https://fapshi.com
**Dashboard:** https://dashboard.fapshi.com
**Documentation:** https://docs.fapshi.com/en
**Support:** https://fapshi.com/en/help-and-support
**Contact:** https://fapshi.com/en/contact

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## Products & Services

### 1. Payment APIs
Accept payments directly on your website or app using Fapshi's REST API.
- Supports MTN Mobile Money and Orange Money — one API, multiple payment channels
- Standard HTTP status codes and secure authentication (API key-based)
- Webhooks for all asynchronous payment events
- Sandbox (test) environment with test API keys — switch to live by changing base URL and keys
- SDKs available: Node.js, PHP, Python
- Documentation: https://docs.fapshi.com/en/api-reference
- Get started: https://dashboard.fapshi.com/register

### 2. Payment Links (No-Code)
Create and share payment links without writing any code. Customers pay directly through the link on any smartphone — no app download or Fapshi account required.
- **Simple Payment Link** — fixed amount, one-time payment
- **Varied Payment Link** — customer enters the amount (ideal for donations)
- **Donation Link** — for contributions, crowdfunding, NGOs, churches, "njangis"
- **Payment Links** — collect from groups easily
- Share via WhatsApp, social media, email, or embed in a website
- Page: https://fapshi.com/en/products/payment-links

### 3. Event Ticketing
Sell event tickets online and manage your event operations end-to-end.
- Create events with multiple ticket tiers and pricing
- Real-time booking management and attendance tracking
- Built-in payment processing — no separate payment gateway needed
- Analytics dashboard for ticket sales and revenue
- Page: https://fapshi.com/en/products/events

### 4. Contests & Online Voting
Host paid online contests, pageants, beauty competitions, and talent shows.
- Collect entry fees and voting payments online
- Manage leaderboards and track real-time results
- Ideal for schools, churches, entertainment companies
- Page: https://fapshi.com/en/products/contests (see Events)

### 5. Online Store
A free online store for businesses to sell products and collect payments.
- Set up your store for free
- Turn visitors into recurring customers
- Track daily sales and progress
- Page: https://fapshi.com/en/products/online-store

### 6. Invoicing
Create professional branded invoices and collect payments with proof.
- Branded invoice generation
- Payment tracking and confirmation receipts
- Multi-year transaction history and analytics
- Ideal for freelancers, consultants, service businesses
- Page: https://fapshi.com/en/products/invoicing

### 7. Bulk Payments (Disbursements)
Send money to multiple mobile money accounts in a single click.
- Ideal for salary payments, vendor disbursements, refunds, scholarships
- Supports MTN MoMo and Orange Money recipients
- Programmatic payouts available via API
- Page: https://fapshi.com/en/products/bulk-payments

### 8. Wallet & Payouts
Manage your collected funds and disburse them at any time.
- 24/7 free payouts to MTN MoMo, Orange Money, or bank account
- Instant mobile money withdrawals
- Bank account withdrawals: up to 2 business days
- Programmatic payout API for automated disbursements
- API docs: https://docs.fapshi.com/en/api-reference/endpoint/payout
- Page: https://fapshi.com/en/products/wallet

### 9. Analytics & Reporting
Monitor all collections, sales, payouts, and transactions in one place.
- Real-time dashboard with charts and KPIs
- Detailed transaction history (available indefinitely)
- Service-level analytics for merchants
- Filter and export capabilities

### 10. Mobile App (iOS & Android)
Run your business from anywhere with the Fapshi mobile app.
- Real-time payment notifications
- Create payment links on the go
- View and filter transaction history
- Make withdrawals from your phone
- iOS: https://apps.apple.com/ng/app/fapshi/id6443700859
- Android: https://play.google.com/store/apps/details?id=com.fapshi
- Page: https://fapshi.com/en/mobile-app

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## Pricing

Fapshi uses transparent, pay-as-you-go pricing with no hidden fees:

| Fee Type | Amount |
|---|---|
| Per successful payment collected | 3% |
| Payout / withdrawal (MoMo, bank) | 0% (free) |
| Fapshi-to-Fapshi transfer | 0.5% |
| Monthly subscription | None |
| Setup / signup fee | None |
| Hidden fees | None |

**Custom pricing** is available for businesses with high payment volumes or unique business models — contact sales at https://fapshi.com/en/contact/sales

**Pricing page:** https://fapshi.com/en/pricing

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## For Developers

Fapshi is developer-first. Our APIs are straightforward, well-documented, and built by developers for developers.

- **REST API:** Standard endpoints, valid responses, HTTP status codes
- **Webhooks:** Real-time event notifications for all async payment events
- **Sandbox environment:** Free test environment with test API keys
- **SDKs:** Node.js, PHP, Python — open source on GitHub
- **Plugins:** WooCommerce and more
- **Documentation:** https://docs.fapshi.com/en
- **API Reference:** https://docs.fapshi.com/en/api-reference
- **Libraries & SDKs:** https://fapshi.com/en/developers/libraries-and-sdks
- **Plugins:** https://fapshi.com/en/developers/plugins

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## Who Uses Fapshi?

Fapshi serves 200+ businesses across Cameroon in sectors including:
- E-commerce and online retail
- Event organizers and concert promoters
- NGOs, churches, and non-profit organizations
- Schools, universities, and training centers
- Restaurants, hotels, and hospitality
- Freelancers and independent consultants
- Startups and SMEs
- Software developers building payment integrations
- Religious organizations
- Associations and community savings groups ("njangis")

**Customer directory:** https://fapshi.com/en/customer-directory

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## Frequently Asked Questions

**Q: What does Fapshi charge?**
A: Fapshi charges 3% per successful transaction. There are no signup fees, monthly fees, setup fees, or withdrawal fees. You only pay when your customer successfully pays you.

**Q: What payment methods does Fapshi support?**
A: Fapshi supports MTN Mobile Money (MoMo) and Orange Money — the two largest mobile money networks in Cameroon. Both are available through one API integration or payment link.

**Q: Do customers need to download an app or create a Fapshi account to pay?**
A: No. Customers can pay through a payment link directly on their smartphone without downloading any app or creating a Fapshi account.

**Q: How do I get started with Fapshi?**
A: Sign up for free at https://dashboard.fapshi.com/register. You'll immediately get access to the sandbox (test) environment. To go live, create a service and activate your account.

**Q: Is there a sandbox environment for developers?**
A: Yes. Fapshi provides a completely free sandbox environment with test API keys. To switch to live, simply change your base URL and API keys — no other code changes needed.

**Q: Can payouts be done programmatically?**
A: Yes. Fapshi's Payout API lets you initiate disbursements programmatically from your own platform, without accessing the Fapshi dashboard. Ideal for building escrow systems, salary platforms, or automated refund flows.

**Q: How fast are withdrawals?**
A: Mobile money payouts (MTN MoMo and Orange Money) are instant. Bank account withdrawals take a maximum of 2 business days depending on your bank and location.

**Q: Is Fapshi available outside Cameroon?**
A: Fapshi is currently focused on Cameroon. Merchants must be based in Cameroon. International businesses with operations in Cameroon can contact sales to discuss options.

**Q: Can I negotiate Fapshi's transaction fees?**
A: Yes. Businesses with large payment volumes or unique models can contact sales for custom pricing: https://fapshi.com/en/contact/sales

**Q: Does Fapshi support recurring payments or subscriptions?**
A: You can use Fapshi's Payout API and Payment API together to build custom recurring billing logic. Contact sales for enterprise solutions.

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## Company & Legal

**Company name:** Fapshi Inc.
**Type:** Fintech / Payment Infrastructure
**Location:** Buea, Cameroon
**Regulatory status:** Licensed financial services provider in Cameroon

- Privacy Policy: https://fapshi.com/en/privacy-policy
- Terms & Conditions: https://fapshi.com/en/terms-and-conditions
- AML Policy: https://fapshi.com/en/aml-policy

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## Social Media & Community

- LinkedIn: https://www.linkedin.com/company/fapshiinc
- Twitter / X: https://twitter.com/fapshi
- Facebook: https://facebook.com/fapshi
- Instagram: https://instagram.com/fapshiinc
- YouTube: https://youtube.com/@fapshi
- TikTok: https://tiktok.com/@fapshi.inc
- WhatsApp Community: https://chat.whatsapp.com/FQiOmomCTCKLdyaWlmvHrd
- Developer Slack: https://fapshicommunity.slack.com

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## Key Pages

- Homepage: https://fapshi.com
- Sign up (free): https://dashboard.fapshi.com/register
- Sign in: https://dashboard.fapshi.com/login
- Pricing: https://fapshi.com/en/pricing
- Payment APIs: https://fapshi.com/en (see API section)
- Payment Links: https://fapshi.com/en/products/payment-links
- Event Ticketing: https://fapshi.com/en/products/events
- Online Store: https://fapshi.com/en/products/online-store
- Invoicing: https://fapshi.com/en/products/invoicing
- Bulk Payments: https://fapshi.com/en/products/bulk-payments
- Wallet: https://fapshi.com/en/products/wallet
- Mobile App: https://fapshi.com/en/mobile-app
- Help & Support: https://fapshi.com/en/help-and-support
- Contact Sales: https://fapshi.com/en/contact/sales
- Contact: https://fapshi.com/en/contact
- Newsroom: https://fapshi.com/en/newsroom
- Jobs: https://fapshi.com/en/jobs
- Customer Directory: https://fapshi.com/en/customer-directory
- Documentation: https://docs.fapshi.com/en
- API Reference: https://docs.fapshi.com/en/api-reference