How to Start Accepting Card Payments with Waychit in Minutes

If you run a business in The Gambia, you've probably lost sales because a customer didn't have exact change — or wanted to pay with a card you couldn't accept. That ends today.

Waychit lets you accept 16+ payment methods — Visa, Mastercard, QMoney, Afrimoney, bank transfers, QR codes — and settles your funds instantly. Your customers don't need to download an app or "load a wallet." They pay with whatever they already have.

Here's how to get set up.

1. Register as a Merchant

Head to merchant.waychit.com and create your merchant account. You'll need your business name, phone number, and a valid ID. Approval is fast.

2. Choose How You Want to Accept Payments

Waychit gives you three ways to start collecting money immediately:

The Merchant App

Download the Waychit Merchant App and turn your smartphone into a payment terminal. Customers can pay by scanning a QR code, tapping a payment link, or entering your merchant ID in the Waychit customer app.

Payment Links

No app, no code, no website needed. From your Merchant Dashboard, create a payment link — a simple URL like pay.waychit.com/s/your-business — and share it anywhere: WhatsApp, Instagram, SMS, or even printed on a flyer. When a customer clicks the link, they land on a hosted payment page and pay with their card or mobile money. Funds settle instantly.

Payment links are perfect for freelancers, online sellers, event organisers, or any business that sells remotely.

Waychit POS

For retail shops and restaurants that need a full command center — inventory tracking, kitchen tickets, staff management, and offline support — the Waychit POS hardware handles it all. Learn more about POS.

3. Integrate with the Card Payment API

If you have a website or app and want to accept card payments programmatically, Waychit's API makes it straightforward. Here's the quick version:

Get your API key

Log in to the Merchant Dashboard, navigate to the API section, and generate your API key and Webhook Signing Secret. Keep these on your server — never expose them in client-side code.

Create a Payment Session

Send a POST request to create a card payment session. Waychit returns a hosted payment page URL — redirect your customer there.

curl --location 'https://api.waychit.com/v1/payment-sessions/card' \
--header 'Authorization: Bearer {{api_key}}' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data '{
  "clientReference": "a9f3d1c84b2e7f0065cd9a1e3f8b4c72",
  "lineItems": [
    {
      "productName": "Domoda",
      "productDescription": "A delicious peanut soup.",
      "quantity": 1,
      "price": 750
    },
    {
      "productName": "Yassa Ganarr",
      "quantity": 2,
      "price": 1500
    }
  ],
  "metadata": {
    "orderId": "ORD-12345",
    "customerId": "CUST-56789"
  },
  "customerEmail": "customer@example.com",
  "returnRedirectUrl": "https://example.com/payments/success"
}'

The response includes a waychitLaunchUrl — redirect your customer to that URL to complete payment:

{
  "success": true,
  "message": "Payment session created successfully.",
  "paymentSession": {
    "id": "1176852068125670bc35c330da4dbeb032d9d51d0e95ed",
    "businessName": "Food and Co",
    "currency": "gmd",
    "totalAmount": 3750,
    "status": "open",
    "waychitLaunchUrl": "https://pay.waychit.com/payment-sessions/cards/..."
  }
}

Listen for the Webhook

When the customer completes payment, Waychit sends a payment.session.completed event to your webhook URL. Respond with HTTP 2xx immediately, then process your business logic (mark the order as paid, send a confirmation, etc.).

For full API documentation — including wallet-based payment requests, signature verification, and error handling — visit the Developer Docs.

4. Get Settled Instantly

This is the part that matters most. When a customer pays, the money hits your account immediately. No waiting 2-3 business days. No batch settlements. Cash flow is oxygen — Waychit never holds its breath.

Start Today

Whether you're a street vendor sharing a payment link on WhatsApp, a restaurant running the POS, or a developer wiring up the API — Waychit gets you accepting digital payments in minutes, not days.