KKiaPay
KKiaPay is a BCEAO-approved payment aggregator operating in five francophone West African countries, unifying mobile money, card, and Wave payments into a single REST API and SDK suite for SMB merchants, e-commerce platforms, and financial institutions.
- Company typePrivate
- Founded2018
- HeadquartersCotonou, Benin
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What KKiaPay does
KKiaPay is a payment aggregation platform developed and operated by Open SI S.A., a Beninese Société Anonyme headquartered in Cotonou. The platform aggregates mobile money (MTN, Moov, Orange, T-Money, Free Money, Celtiis Cash, Wave), bank cards (Visa, Mastercard, American Express), and mass-payment disbursement into a single REST API and accompanying SDK suite, enabling merchants in francophone West Africa to accept and route digital payments without maintaining separate operator integrations. KKiaPay is approved by BCEAO for operation across the WAEMU economic space, holds ARCEP declaration in Benin, is PCI DSS 3.2 QSA-audited, and holds individual aggregator accreditations with six mobile money operators. The product portfolio spans a core Integration API (with SDKs for JavaScript, Android, Flutter, React-Native, iOS Swift, PHP, Python, Node.js and plugins for WooCommerce, PrestaShop, and WordPress Give), a POS terminal offering, a mobile POS application, mass payout tooling (Push Up), shareable payment links (Direct), and a merchant dashboard.
KKiaPay operates across Benin, Côte d'Ivoire, Togo, Senegal, and Niger, serving approximately 13,000+ merchants and processing 100,000+ transactions per month on a self-reported basis. The customer base is predominantly long-tail SMBs and startups (e.g., CAPPFM, Africreators, Edi Sessi, My Addictive) across e-commerce, retail, media, and digital services, with supplementary segments including NGOs, microfinance institutions, and government payment collection use cases.
Revenue is generated through a hybrid model combining tiered monthly subscriptions (1,000–14,900 FCFA depending on product tier), percentage-based transaction commissions (1–3% on mobile money and card payments, varying by UEMOA vs non-UEMOA card and merchant- vs customer-borne), fixed payout transfer fees (7,000 FCFA per bank transfer), and per-link fees on payment links (100 FCFA). Go-to-market is API-first and product-led, with self-service onboarding via app.kkiapay.me, comprehensive French-first documentation, a sandbox environment, plugin marketplaces, and dedicated enterprise integration support. The company maintains a lean organization with a leadership team of approximately six people including CEO Gilles Kounou and CTO Shadaï Ali, with no disclosed external institutional funding.
KKiaPay firmographics
Firmographics- Name
- KKiaPay
- Legal name
- OPEN SI S.A.
- Website
- https://kkiapay.me
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- KKiaPay is a BCEAO-approved payment aggregator operating in five francophone West African countries, unifying mobile money, card, and Wave payments into a single REST API and SDK suite for SMB merchants, e-commerce platforms, and financial institutions.
- Ownership category
- akta.pro rank
KKiaPay industry classification
Industry- Product category
- Payment Processing Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- In-App / Online Checkout Wallets (FSAMAEAH)
- akta.pro secondary industry
- QR Code Payments Wallets (FSAMAEAC)
Keywords
Where KKiaPay is headquartered
LocationHeadquarters
- HQ city
- Cotonou
- HQ country
- Benin
Offices2 records
Markets served
KKiaPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription Fees: Monthly subscription fees ranging from 1,000 to 14,900 FCFA depending on product tier (POS, Mobile App, Integration). First month free for most plans.
- Transaction Commissions: Percentage-based fees on successful transactions. Mobile Money: 1-1.9% (merchant or customer borne). Card payments: 1.8-3% depending on UEMOA vs non-UEMOA cards. Different pricing tiers apply per product.
- Payout Transfer Fees: 7,000 FCFA per bank account transfer. Free transfer to Mobile Money merchant account.
- KKiaPay Direct Link Fees: 100 FCFA per payment link generated for Integration plan users.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | KKiaPay POS (Terminal) - Physical point-of-sale payments |
| Subscription | Monthly | KKiaPay Mobile Application - In-store and mobile payments |
| Subscription | Monthly | KKiaPay Integration - API/plugin integration for websites and apps |
| Unit Pricing | Monthly | KKiaPay Push Up - Mass payment service |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
KKiaPay product offering
Product offeringCore offering
KKiaPay is a payment aggregator platform that unifies mobile money (MTN, Moov, Orange, Free Money, T-Money, Celtiis Cash, Wave), Visa/Mastercard/Amex card payments, and bank reversements into a single REST API, SDKs, and merchant dashboard. It enables online and in-store merchants across francophone West Africa to accept digital payments via web plugins, mobile SDKs, POS terminals, payment links, and mass-payout services.
Product overview
KKiaPay is a payment aggregator platform for Francophone West Africa that aggregates multiple payment methods — including mobile money (MTN, Moov, Celtiis, Orange Money, TMoney, Free Money), Wave, and bank cards (Visa, Mastercard, American Express) — into a single unified interface. The platform operates a modular architecture consisting of the Kkiapay Integration (core API/plugin SDKs for web and mobile), KKiapay Terminal (physical POS), Kkiapay App Mobile (mobile POS app), KKiapay Push Up (mass payouts), Kkiapay Direct (payment links), and Kkiapay Chap Chap, all managed through a merchant dashboard. Available across Benin, Côte d'Ivoire, Togo, Senegal, and Niger.
Differentiator
Problem solved
Functional benefit
Products and services
- Kkiapay Intégration Core API and plugin integration service that allows merchants to embed KKiaPay payment collection directly into their websites or mobile applications via SDKs (JavaScript, Android, Flutter, React Native, Swift for iOS) or e-commerce plugins (PrestaShop, WooCommerce, WordPress Give, WordPress Jobster). Supports Mobile Money, Visa/Mastercard/Amex bank cards, and Wave as payment methods, with dedicated expert support throughout integration.
- KKiapay Terminal (POS) Physical point-of-sale (POS) terminal solution that transforms any smartphone into a payment terminal, enabling in-store collection of Mobile Money and bank card payments without requiring a merchant website or mobile application. Priced at 9,000 FCFA/month with Mobile Money at 1% (merchant) and credit card at 1.8% UEMOA / 2.3% non-UEMOA (merchant).
- Kkiapay App Mobile Mobile POS application (Kkiapay POS / 'my store') installed on a merchant's smartphone, allowing in-store payment initiation and collection from customers via Mobile Money or bank card. Priced at 1,000 FCFA/month with a 2,000,000 FCFA/month transaction limit.
- KKiapay Push Up Mass payment solution enabling merchants to send bulk payments from their KKiaPay account to multiple Mobile Money wallets simultaneously, used for salary disbursement, vendor payments, and other bulk payouts. Offered at 10,000 FCFA/month with flat-rate pricing based on transaction volume across operators (Orange Money & Free Money at 1.3%, Wave at 2.4%, others at 1.9%).
- Kkiapay Direct Payment link generator service that creates shareable, customizable payment links merchants can distribute via SMS, Facebook, WhatsApp, Messenger, Instagram, email, and other channels. Each generated link costs 100 FCFA and is included with the Integration subscription plan.
- Kkiapay Chap Chap Service offering enabling fast payment collection and disbursement, complementing KKiaPay's other payment products with quick transaction turnaround for merchants needing rapid settlement.
Quantifiable outcome
- 100,000+ transactions processed monthly
- +1 more outcomes
Companies that use KKiaPay
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles3 records
KKiaPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration24 records
Feature5 records
KKiaPay partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and supporting.
- MTN Mobile MoneycoreAggregator partnership enabling MTN Mobile Money payments through KKiaPay platform. KKiaPay holds formal MTN Mobile Money Aggregator Accreditation.
- Moov MoneycoreAggregator partnership with Moov Africa for Moov Money mobile payments. KKiaPay holds Moov Money Aggregator Accreditation.
- Orange MoneycoreAggregator partnership enabling Orange Money mobile payments. KKiaPay holds Orange Money Aggregator Accreditation.
- T-Money (Togolese)coreAggregator partnership for T-Money mobile money services. KKiaPay holds T-Money Aggregator Accreditation.
- Free MoneycoreAggregator partnership for Free Money mobile money services. KKiaPay holds Free Money Aggregator Accreditation.
- Celtiis CashcoreAggregator partnership for Celtiis Cash mobile money services. KKiaPay holds Celtiis Cash Aggregator Accreditation.
- WavecoreIntegration partnership enabling Wave mobile money payments through KKiaPay platform for Senegal operations.
- DigitalOceansupportingCloud infrastructure hosting provider for KKiaPay platform services. Located at 101 Avenue of the Americas, New York, NY 10013, USA.
- Google Cloud Platform (GCP)supportingCloud infrastructure provider for KKiaPay data storage and processing. Primary data storage location noted as London/Western Europe.
- EcobanksupportingPartner bank for merchant payout reversements. Free reversement option available for Ecobank accounts.
- UBA (United Bank for Africa)supportingPartner bank for merchant payout reversements. Free reversement option available for UBA accounts.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
KKiaPay competitors and assessment
Company assessmentDirect peers
- Paydunya: Senegal-based payment aggregator offering Mobile Money and card acceptance APIs across multiple francophone West African countries. Directly competes with KKiaPay on merchant aggregation, Mobile Money integration coverage, and developer SDKs in the same WAEMU corridor.
- FedaPay: Benin-headquartered payment aggregator with Mobile Money and card acceptance APIs targeting Beninese and West African merchants. Closest geographic competitor to KKiaPay, offering nearly identical Mobile Money operator coverage and e-commerce integrations.
- CinetPay: West African payment aggregator based in Côte d'Ivoire providing Mobile Money, card, and wallet acceptance via REST APIs across multiple WAEMU countries. Competes head-to-head with KKiaPay in Côte d'Ivoire, Senegal, and other francophone markets for merchant payment acceptance.
Broad incumbents
- Wave Mobile Money: Pan-West-African mobile money operator (concentrated in Senegal and Côte d'Ivoire) that KKiaPay integrates. Wave's scale and low transaction fees make it both a partner and a potential disintermediator for aggregators, reshaping competitive dynamics in the region.
- Flutterwave: Pan-African payment infrastructure provider offering card and Mobile Money acceptance APIs across Nigeria, Ghana, Kenya, South Africa, and expanding into WAEMU. Larger incumbent with broader country coverage and developer tooling than KKiaPay, posing upper-tier competitive pressure.
- Paystack: Nigeria-founded (Stripe-owned) payment gateway serving merchants across multiple African countries with cards and bank/Mobile Money acceptance. Established pan-African incumbent competing for the same cross-border merchants expanding into francophone West Africa.
- DPO Group (Network International): Pan-African payment service provider (now part of Network International) offering card processing, Mobile Money, and alternative payment methods across multiple African markets. Larger established incumbent with broader geographic and product reach than KKiaPay.
- Cellulant: Pan-African digital payments provider offering Tingg, a unified payment platform for Mobile Money, cards, and bank payments across 35+ countries including WAEMU. Broader incumbent competing for enterprise and government payment mandates that KKiaPay also targets.
Regional players
- InTouch: Morocco-based payment aggregator and super-app enabler operating across North and francophone West Africa with Mobile Money, card, and wallet acceptance. Regional peer with overlapping francophone market focus but concentrated more in Maghreb than KKiaPay's WAEMU core.
Emerging players
- Monetbil: Cameroon-based payment aggregator offering Mobile Money and card acceptance across Central and West Africa. Adjacent emerging player serving overlapping francophone African merchants, with comparable product scope but different geographic concentration.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
KKiaPay social profiles
Digital presenceKKiaPay compliance and trust
Trust signalCompliance3 records
KKiaPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
KKiaPay leadership team
Management profileNumber of profiles
Profiles6 records
KKiaPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KKiaPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KKiaPay
What does KKiaPay do?
KKiaPay is a payment aggregator platform that unifies mobile money (MTN, Moov, Orange, Free Money, T-Money, Celtiis Cash, Wave), Visa/Mastercard/Amex card payments, and bank reversements into a single REST API, SDKs, and merchant dashboard. It enables online and in-store merchants across francophone West Africa to accept digital payments via web plugins, mobile SDKs, POS terminals, payment links, and mass-payout services.
Is KKiaPay a public or private company?
KKiaPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was KKiaPay founded?
KKiaPay was founded in 2018. It employs 1 to 10 people.
Where is KKiaPay based?
KKiaPay is headquartered in Cotonou, Benin.
How does KKiaPay make money?
Four revenue lines are on record. Subscription Fees are the primary driver. The others are transaction Commissions, payout Transfer Fees and KKiaPay Direct Link Fees.
Who are KKiaPay's main competitors?
Direct peers on record are Paydunya, FedaPay and CinetPay. Broad incumbents are Wave Mobile Money, Flutterwave, Paystack, DPO Group (Network International) and Cellulant. InTouch is listed as a regional player. Monetbil is listed as an emerging player.
Does KKiaPay have an API?
Yes. KKiaPay provides a REST API for payment processing accessible via web and mobile platforms. The API supports webhooks for real-time transaction status notifications (transaction success or failure). Three API keys are required for integration: a public key (client-side, used in Javascript and Android SDKs), a private key (server-side, for transaction verification), and a secret key (server-side, for account mutations). The API supports sandbox/test mode. Webhooks are configured via the dashboard with event subscription, URL destination, and secret hash for signature verification. KKiaPay provides server-side Admin SDKs in PHP, Python, and Node.js for transaction verification. Developer documentation is at docs.kkiapay.me.
What industry is KKiaPay in?
KKiaPay's product category is Payment Processing Infrastructure. Its primary akta.pro industry code is FSAMAEAH, In-App / Online Checkout Wallets, with a secondary code of FSAMAEAC, QR Code Payments Wallets. Its NAICS code is 522320.