# OuiGate Technologies Ltd.

> Cross-border transfers, bill payments, airtime and data, currency exchange, virtual cards, and merchant payments for individuals and businesses across Africa.

OuiPay is a digital payment platform operated by OuiGate Technologies Ltd. providing cross-border money transfers, multi-currency wallets, instant utility bill payments, airtime/data top-ups, and developer payment APIs across Africa.

## Developer REST API Specifications

- **Base URL**: `https://api.ouipay.africa`
- **Authentication**: `Authorization: Bearer sk_live_...`
- **Idempotency**: `Idempotency-Key` header required on all money-moving POST requests.
- **Money Representation**: Integer minor units with explicit ISO 4217 currency code (e.g. `100000 NGN` = ₦1,000.00).
- **Ledger Accounting**: Immutable double-entry ledger behind every movement of money.
- **Documentation**: [OuiPay Developer Portal](https://developer.ouipay.africa)
- **API Context**: [LLM API Context](https://developer.ouipay.africa/llms.txt)

## Key Pages & Indexable Routes

- [OuiPay: Pay bills, buy airtime, move money](https://ouipay.africa/): Cross-border transfers, bill payments, airtime and data, currency exchange, virtual cards, and merchant payments for individuals and businesses across Africa.
- [Join the OuiPay Waitlist](https://ouipay.africa/waitlist): Request early access to OuiPay for payments, payouts, airtime, bills, and API integrations.
- [Legal & Policies](https://ouipay.africa/legal): OuiPay legal documentation: Terms of Use, Privacy Policy, Transaction Terms, Fee Schedule & Pricing Transparency Policy, and Security & Compliance standards.

## Core Financial Services

- Airtime: Top up supported mobile networks instantly across Nigeria and Benin.
- Mobile Data: Purchase high-speed data bundles directly without leaving the application.
- Bills & Utilities: Pay supported electricity (Eko, Ikeja) and utility services securely.
- Money Exchange: Exchange supported currencies (NGN ↔ XOF) with live rates and upfront fees.
- Digital Payments: Complete supported peer-to-peer and merchant payments through OuiPay.
- More Services: New financial services, gift cards, and markets introduced continuously.

## Platform Capabilities

- Instant Cross-Border Transfers: Send money internationally across Francophone Africa, Europe, and North America in seconds at competitive exchange rates with zero hidden fees.
- Multi-Currency Virtual Cards: Issue unlimited USD and EUR virtual cards for online shopping, cloud subscriptions, and global software procurement with instant freeze capabilities.
- Merchant Checkout API & SDKs: Accept Mobile Money (MTN, Orange, Moov), Credit Cards, and Bank Wire transfers on your website or app with a unified high-converting checkout plugin.
- Automated Utility & Bill Pay: Pay electricity, water, internet, and airtime top-ups automatically with scheduled recurring payments and instant digital receipts.
- Bank-Grade PCI-DSS Compliance: End-to-end multi-factor authentication, AI fraud monitoring, hardware security modules (HSM), and biometric transaction authorization.
- Mass Payouts & Payroll: Disburse salaries, vendor invoices, and affiliate payouts to thousands of bank accounts and mobile money wallets with a single CSV upload.

## Supported Markets & ISO Currencies

- Nigeria (NGN (₦)): Active production operations
- Benin (XOF (CFA)): Active production operations
- Togo (XOF (CFA)): Scheduled expansion
- Ghana (GHS (₵)): Scheduled expansion
- Côte d'Ivoire (XOF (CFA)): Scheduled expansion
- Senegal (XOF (CFA)): Scheduled expansion

## Target Customer Segments

- For Individuals & Families: Manage multi-currency balances, transfer funds to loved ones instantly, pay bills instantly, and shop online anywhere in the world.
- For Startups & Enterprises: Integrate local payment channels with a single API. Manage multi-user team accounts, automate corporate expenses, and reconcile transactions automatically.

## Fee Schedule & Transparent Pricing Policy

- **Monthly Subscription Fees**: ₦0 / Zero monthly maintenance fee for personal and business accounts.
- **Airtime & Mobile Data Top-Ups**: 0% Service Fee (100% face value debited with zero surcharge).
- **Multi-Currency Exchange (NGN ↔ XOF)**: Mid-market exchange rate + minimal 1.0%–1.5% spread with locked rate quotes.
- **Utility & Bill Settlements**: Nominal biller processing fee displayed itemized on confirmation screen prior to PIN authorization.
- **Account Maintenance & Inactivity**: Zero recurring fees, zero inactivity or dormancy penalties.

## Product & Security FAQ

- Q: Which countries and currencies does OuiPay support?
  A: Check the OuiPay app for the latest list of supported countries, currencies, and available services.
- Q: How fast are international money transfers?
  A: Transfer times can vary by destination, currency, and payment method. See the estimated delivery time in the app before you confirm.
- Q: What fees does OuiPay charge?
  A: Fees are shown upfront before you confirm a transaction. For the latest fee information, check the app.
- Q: How do I create an OuiPay account?
  A: Download OuiPay, create your account, and follow the steps to complete your setup.
- Q: Is my money safe with OuiPay?
  A: OuiPay uses security measures designed to protect your account, transactions, and personal information.
- Q: What happens if I lose my phone?
  A: Your account remains protected by your account credentials and security controls. Contact OuiPay support if you believe your account may be at risk.
- Q: Are OuiPay virtual cards accepted worldwide?
  A: Availability and acceptance can vary by card and merchant. Check the OuiPay app for current card details and supported usage.
- Q: Can I withdraw my OuiPay balance to my bank account?
  A: Available withdrawal options depend on your country and account. Check the app for the latest available options.
- Q: Can I integrate OuiPay with my e-commerce store?
  A: OuiPay may offer payment integration options for eligible businesses. Check the latest business and integration options available for your market.
- Q: How do I reach OuiPay customer support?
  A: Our support team is available 24/7 through in-app chat or email at support@ouipay.africa. Most requests get a response within minutes, and payment issues are handled end-to-end by our team.