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Moala Payment Aggregator Documentation

website·Indexed 30 days ago

https://docs.moala.africa

Documentation for Moala's payment aggregator platform, providing REST APIs and SDKs for Java and JavaScript. Features include payment links, bill payments, cash deposits, and cash withdrawals for merchants and e-commerce websites.

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What's inside Moala

  1. Overview of Moala Payment Aggregator

    Moala is a payment aggregator operating in Cameroon, Gabon, Senegal, and Ivory Coast. It provides APIs that allow businesses (such as shops, restaurants, and bars) to facilitate transactions between retailers and customers. Additionally, individuals can use Moala's payment links for fundraising and help requests.

  2. Overview of MOALA Payment Aggregator API

    MOALA is a payment aggregator providing an API for retailers to facilitate transactions with clients in four African countries: Cameroon, Gabon, Senegal, and Ivory Coast. Unlike consumer-facing payment apps, MOALA is designed specifically for direct integration into merchant systems.

  3. Overview of Moala API capabilities

    Moala provides a single unified API to manage all payment methods, designed for rapid integration. The infrastructure is built for reliability with automatic redundancy mechanisms to ensure stable processing under heavy demand. Security is handled via TLS encryption and strong authentication standards.

  4. Choose a MOALA integration method

    MOALA provides three ways to integrate payment functionality into an application:

    1. SDKs (Software Development Kits): Pre-built code libraries that simplify integration by handling API calls and response logic internally. Best for rapid development in web or mobile apps.
    2. REST APIs: Direct web interfaces providing granular control over request formatting and response handling. Best for custom integration architectures.
    3. Payment Links: Unique URLs that allow customers to pay without requiring a payment module to be integrated into a website or app. Best for simple payment collection via SMS, email, or QR codes.

  5. Identify target users for Moala payment integration

    Moala provides payment methods and automated payment processing for digital businesses, including merchants, e-commerce websites, bookmakers, brokers, ride-hailing companies (e.g., YANGO), and network marketing businesses operating in Moala's supported regions.

  8. Generate a payment link via the MOALA Portal

    Payment links are created manually through the MOALA back-office platform.

    Steps to generate a link:

    1. Log in to the MOALA Portal using the username and password provided by Moala technical support.
    2. Select Payment Links from the left-hand navigation menu.
    3. Click the Create button.
    4. Fill in the payment link form:
      • Amount: The total amount the customer needs to pay.
      • Payment Link Type: Select Simple for a one-time payment or Multiple for multiple payments.
      • User Support Fees: Determine if the client will cover the withdrawal fees.
    5. Click Validate and then OK in the confirmation window to finalize the creation.

  9. Test and monitor MOALA API integrations

    Follow a rigorous testing lifecycle before moving to production:

    • Sandbox Testing: Use the provided sandbox environment to simulate transactions and verify API behavior without risking real funds or data.
    • Test Coverage: Implement unit tests, integration tests, and automated test suites to verify various scenarios.
    • Load Testing: Perform load tests to ensure the application can handle high transaction volumes.
    • Monitoring: Set up performance monitoring and alerts for critical errors or system slowdowns.
    • Compliance: Verify that the integration complies with data protection and anti-money laundering (AML) regulations.

  10. Share a payment link with a customer

    Once a payment link is created, it can be shared via WhatsApp, Telegram, SMS, or email.

    To retrieve the link:

    1. In the Payment Links list, click on the specific payment link to open its details.
    2. Click the Copy Payment Link button to copy the URL to your clipboard.
    3. Alternatively, click Generate PDF to create a downloadable payment document to send to the customer.
    Example Payment Link Format: http://api.moala.africa/payment-link/handle-payments/{unique_id}

  11. Implement payments using MOALA Payment Links

    Payment links allow customers to make online payments via a secure page without a full API integration. The workflow is as follows:

    1. Generation: The merchant generates a link via the MOALA interface or API containing the currency, amount, and customer details.
    2. Distribution: The link is sent to the customer via SMS, email, WhatsApp, or as a QR code.
    3. Customer Payment: The customer clicks the link, selects a payment method (e.g., Orange Money, MTN MoMo, Airtel Money), and confirms with their PIN/password.
    4. Confirmation: After successful payment, MOALA redirects the customer to a confirmation page, notifying the merchant to process the order.
    https://api.moala.africa/pay?order=12345&amount=100&currency=XAF