FadPay Next — One account. Unlimited financial possibilities.

One platform, every capability

A full financial life, one connected account

FadPay Next connects your money, your institutions and your business on a single platform — with the polish of a world-class app and the context of a local one.

Instant transfers

Send money to any FadPay Account or phone number in seconds — with a live balance and human receipts.

QR & merchant pay

Scan to pay any merchant, or show your code to get paid. No cash, no queues, no friction.

Tontines, private by design

Save with digital tontines where members are aliases — nobody sees your balance, your turn or your payout but you.

Banks, cards & mobile money

Connect your bank accounts, Visa or Mastercard, Wave and Orange Money — and move between them all from one FadPay Account.

Business payments

Fund one company account and pay your whole team in a tap — then collect what you're owed with invoices and payment links.

Build on the platform

A clean REST API with keys and webhooks to launch payouts, marketplaces and financial products on FadPay rails.

Intelligent routing

One account, every network

You choose Send, Pay or Receive. The platform weighs every connected network — cost, success rate, latency and availability — and routes each payment down the best one, automatically.

The best network, every time. Routing is decided per payment, on live cost, success rate and latency — never on habit.
Automatic failover. If a network degrades, payments re-route instantly — Bank → Visa Direct → Wave → Orange Money.
Failures nearly invisible. You see money arrive on time; the platform absorbs the detour.

Explore the platform

Network routing · liveOptimising

BK

Bank transfer

8 bps · 99.4% · 2.4 s

Up

VD

Visa Direct

22 bps · 99.7% · 1.8 s

Up

WV

Wave

15 bps · 99.9% · 0.9 s

Degraded

OM

Orange Money

18 bps · 99.6% · 1.2 s

Up

Payment re-routed · Wave → Orange Money

Delivered in 1.2 s

Success

Up and running in minutes

Three steps to a connected financial life

1

Create your FadPay Account

Sign up with your phone or email and verify in under a minute. Personal, business or developer — you choose.

2

Connect your institutions

Link your banks, cards, Wave and Orange Money. Your FadPay Account becomes the one place they all meet.

3

Send, pay & get paid

Move money instantly, pay merchants by QR, and receive salaries straight into your FadPay Account — over whichever network is best.

FadPay Pro · for business

Pay your whole team in a single tap

FadPay Pro is the business side of the platform. Fund one company account, add your employees, and run payroll straight into their FadPay Accounts — no bank files, no queues, no cash envelopes.

Load once, pay everyone. Fund your company balance, then disburse to the whole roster in seconds.
Employees get paid instantly. Salaries land directly in each person's FadPay Account — spendable immediately.
Full audit trail. Every payroll run is referenced, itemised and exportable for your records.

Explore FadPay Pro

Payroll · JulyReady

MD

Mamadou Diop

Backend

180 000

AB

Aïssata Ba

Design

165 000

ON

Ousmane Ndiaye

Growth

200 000

MS

Mariama Sy

Support

120 000

Total this run

955 000 F CFA

Pay 6 now

pay-employee.sh

# Route a salary straight to a FadPay Account
curl -X POST https://api.fadpaymoney.com/v1/transfers \
  -H "Authorization: Bearer $FADPAY_SECRET" \
  -d '{ "to_email": "m.diop@teranga.digital",
        "amount": 180000, "note": "July salary" }'

# → 201 Created · routed over the best network
{ "ok": true, "amount": 180000,
  "rail": "wave", "balance": 7045000 }

For developers & integrators

A clean API for money that moves

Issue keys, check balances, move funds and reconcile — with a REST API designed to feel obvious. Build payouts, marketplaces and financial products on top of FadPay.

Test & live keys, rotated whenever you need
Bearer-token auth, idempotent transfers, webhooks
Intelligent routing on every payout, automatically

Read the docs

Security & trust

Bank-grade protection, by default

Every FadPay Account is protected with layered security and a compliance engine built for the region.

Encrypted end-to-end

Data protected in transit and at rest, keys anchored to your device.

KYC & AML built-in

Identity, sanctions and fraud checks run on every account and payment.

Biometric & PIN

Face ID or a PIN authorises every payment before money moves.

Real-time monitoring

Velocity and risk scoring flag anything unusual, instantly.

Good to know

Frequently asked questions

Is FadPay Next free to use?

Creating a personal FadPay Account and sending money to other FadPay users is free. Some services, like business payroll, carry a small, transparent fee shown before you confirm.

How do businesses pay employees?

With FadPay Pro, a company funds its FadPay Account, adds employees, and runs payroll. Each salary lands instantly in the employee's own FadPay Account — no bank files or cash handling.

Which countries are supported?

FadPay Next launches in Senegal, with Mali next. Through connected cards and bank accounts you can already send to and receive from much of the world. The app localises to French, English, Spanish, Chinese and Wolof.

Is my money safe — and private?

Yes. Funds are protected with layered security, biometric authorisation and a built-in compliance engine covering KYC, AML and fraud monitoring. And privacy is part of the design: your balances and your FadPay Score are never visible to anyone without your authorization.

One account. Unlimited financial possibilities.