A reliable infrastructure and proven solutions to facilitate payments in Africa

Semoa covers 12 African countries to accept or receive payments from around the world.

SEMOA's accomplishments since 2016

3.000.000+

of transactions processed

260+ billions

CFA francs in transaction volume

20+ payments methods

aggregated and available via API

White-label fintech for banks

SEMOA’s infrastructure and applications are natively designed to be integrated or distributed in white-label by financial institutions, including banks and microfinance institutions. This design allows for easy adaptation and customization to the specific needs of each establishment, ensuring an optimal solution consistent with their brand image.

White-label WhatsApp Banking offers financial institutions a unique opportunity to accelerate their digital transformation. By adopting this solution, they can innovate by offering their services via WhatsApp, the most used messaging app in Africa, thus providing their clients with a modern, convenient user experience that aligns with their daily habits.

SEMOA, with CashPay and its variants CashPay Store and CashPay Hotel, offers a white-label innovative solution that enables bank and microfinance clients to accept online payments. This customizable and integrated approach simplifies digital transactions and resource collection.

Available in white-label, the Semoa Pro web application and its API allow banks to provide their clients with a reliable and efficient mass payment solution. This tailored offer ensures seamless integration and optimal management of outgoing payments.

Application and API for online payment

SEMOA’s infrastructure and applications are inherently designed for integration or distribution in white-label by financial institutions, including banks and microfinances. This design allows for easy adaptation and customization to the specific needs of each establishment, ensuring an optimal solution that aligns with their brand image.

Available via a web application and API, CashPay and its variants CashPay Store and CashPay Hotel provide merchants, whether in physical stores or online, a comprehensive solution for accepting payments via electronic wallet, mobile money, or bank card.

Semoa Pro, accessible via a web application and API, facilitates the execution of payments, especially in mobile money. This versatile solution suits a myriad of uses, from mass payment of employees to integration in marketplaces or ride-hailing services for payouts.

The Voucher Management System (VMS) represents an innovative solution for securing the collection of financial resources. It enables the generation of payment vouchers with one-time use codes, which can be utilized for digital payments, offering a transaction method that is both secure and convenient.

An excellent application accessible on WhatsApp

Dédé is a virtual assistant accessible via WhatsApp, designed to simplify daily operations and payments. With innovative features such as transfers from a bank card to a mobile money account or cash withdrawal from a mobile money transfer, Dédé reinvents the consumer experience in Togo.

They are already using our solutions

Publications & News

garbage-collection-in-togo

Garbage Collection in Togo: An Industry in Search of Innovation!

cashpay-hotel-reducing-noshow-accepting-virtual-cards

CashPay Hotel: accepting virtual cards and reducing no-show risks in Africa

femme-paiemen-ecommerce

E-Commerce in Africa: Solutions and Strategies for Merchants

femme-transport

Transport in Africa: The role of fintechs in the sector’s growth

Would you like to know more?

Our advisors are available to answer your questions or schedule a product demonstration.