aid: wave-mobile-money name: Wave Mobile Money description: >- Wave is a Dakar, Senegal-headquartered mobile money company on a mission to "make Africa the first cashless continent." Founded by Drew Durbin and Lincoln Quirk (who previously built the Sendwave remittance service) and publicly launched in Senegal in 2018, Wave provides a smartphone- and agent-based wallet that lets users deposit and withdraw cash for free and send money domestically for a flat 1% fee — roughly 70% cheaper than the telco-led mobile money incumbents in the region. Wave operates today in Senegal, Côte d'Ivoire, Uganda, Mali, Burkina Faso, and The Gambia, working through a dense network of human agents alongside the Wave app and a separate Wave Business portal for merchants and enterprises. In September 2021, Wave raised a USD 200M Series A led by Sequoia Heritage, Founders Fund, Stripe, and Ribbit at a USD 1.7B valuation — the largest Series A ever raised on the African continent at the time. For developers, Wave exposes a tier-1 B2B platform via api.wave.com, documented at docs.wave.com, with Checkout (hosted payment sessions), Payout (single and batch disbursements, reversals, recipient verification), Balance & Reconciliation (wallet balance, transactions, refunds), Aggregated Merchants (sub-merchant management for aggregators and PSPs), and Webhooks with HMAC-SHA256 signing for asynchronous event delivery. API keys are scoped per-API, support IP allowlisting and optional request signing, and the platform enforces idempotency on POST mutations. type: Index position: Provider access: 3rd-Party image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg tags: - Mobile Money - Payments - Fintech - Financial Inclusion - Africa - West Africa - Senegal - Cote d'Ivoire - Uganda - Mali - Burkina Faso - Wallets - Disbursements - Checkout - Payouts - Money Transfer url: https://raw.githubusercontent.com/api-evangelist/wave-mobile-money/refs/heads/main/apis.yml created: '2026-05-24' modified: '2026-05-24' specificationVersion: '0.20' apis: - aid: wave-mobile-money:wave-checkout-api name: Wave Checkout API description: >- Hosted payment session API for accepting one-off payments from Wave wallet users. Create a checkout session, redirect the customer to the returned wave_launch_url, then receive a checkout.session.completed webhook (or poll the session) once payment succeeds. Sessions support success_url / error_url redirects, client_reference for correlation, restrict_payer_mobile for phone-locked payments, and aggregated_merchant_id for PSPs operating on behalf of sub-merchants. Includes session retrieval, search by transaction_id or client_reference, refund, and explicit expire endpoints. humanURL: https://docs.wave.com/checkout baseURL: https://api.wave.com tags: - Checkout - Payments - Hosted Payment Page properties: - type: Documentation url: https://docs.wave.com/checkout - type: Documentation url: https://docs.wave.com/business - aid: wave-mobile-money:wave-payout-api name: Wave Payout API description: >- Programmatic disbursement API for sending money from a business wallet to individual Wave wallets, identified by E.164 mobile number. Supports single payouts, payout batches (submit many at once and poll batch status), payout reversal, payout lookup by id or client reference, and a verify_recipient pre-flight check. All POST requests require an Idempotency-Key header for safe retries. Used for bulk payroll, gig economy payouts, marketplace seller settlement, humanitarian cash transfer programs, and refunds out-of-band of the original payment. humanURL: https://docs.wave.com/payout baseURL: https://api.wave.com tags: - Payouts - Disbursements - Bulk Payments properties: - type: Documentation url: https://docs.wave.com/payout - type: Documentation url: https://docs.wave.com/business - aid: wave-mobile-money:wave-balance-reconciliation-api name: Wave Balance & Reconciliation API description: >- Read-side API for inspecting a business wallet's current balance and enumerating its transactions for accounting and reconciliation. GET /v1/balance returns the live wallet balance (optionally aggregated across subaccounts); GET /v1/transactions returns a paginated, time-ordered list of transactions for a given day; POST /v1/transactions/:id/refund reverses a received payment including any fees. Forward cursor pagination via first / after with a 1000-entry page threshold. humanURL: https://docs.wave.com/balance-api baseURL: https://api.wave.com tags: - Balance - Transactions - Reconciliation - Refunds properties: - type: Documentation url: https://docs.wave.com/balance-api - type: Documentation url: https://docs.wave.com/business - aid: wave-mobile-money:wave-aggregated-merchants-api name: Wave Aggregated Merchants API description: >- Sub-merchant management API for aggregators, payment service providers, and platforms that accept Wave payments on behalf of many downstream businesses. Full CRUD over aggregated merchant records — list, create, retrieve, update, delete — with the resulting aggregated_merchant_id attached to Checkout and Payout calls so that funds and reporting flow to the correct underlying merchant. humanURL: https://docs.wave.com/aggregated-merchants baseURL: https://api.wave.com tags: - Aggregators - PSP - Sub-Merchants - Marketplace properties: - type: Documentation url: https://docs.wave.com/aggregated-merchants - type: Documentation url: https://docs.wave.com/business - aid: wave-mobile-money:wave-webhooks name: Wave Webhooks description: >- Outbound event delivery channel for asynchronously notifying merchant systems when state changes on the Wave platform. Events include checkout.session.completed, checkout.session.payment_failed, b2b.payment_received, b2b.payment_failed, merchant.payment_received, and test.test_event for portal-triggered smoke tests. Every delivery carries a Wave-Signature header containing a Unix timestamp and one or more HMAC-SHA256 signatures over the raw body; receivers must validate the signature and reject deliveries older than five minutes to prevent replay. Event payloads use a Stripe-style envelope (id, type, data) and the id field should be used to enforce at-least-once-delivery idempotency. humanURL: https://docs.wave.com/webhook baseURL: https://api.wave.com tags: - Webhooks - Events - HMAC - Asynchronous properties: - type: Documentation url: https://docs.wave.com/webhook - type: Documentation url: https://docs.wave.com/business common: - type: Website url: https://www.wave.com - type: Portal url: https://www.wave.com/en/ - type: Portal url: https://business.wave.com/ name: Wave for Business - type: Documentation url: https://docs.wave.com/business name: Wave Business API Reference - type: Documentation url: https://docs.wave.com/checkout name: Wave Checkout API - type: Documentation url: https://docs.wave.com/payout name: Wave Payout API - type: Documentation url: https://docs.wave.com/balance-api name: Wave Balance and Reconciliation API - type: Documentation url: https://docs.wave.com/aggregated-merchants name: Wave Aggregated Merchants API - type: Documentation url: https://docs.wave.com/webhook name: Wave Webhooks - type: About url: https://www.wave.com/en/about/ - type: Careers url: https://www.wave.com/en/careers/ - type: Blog url: https://www.wave.com/en/blog/ - type: Blog url: https://wave.engineering/ name: Wave Engineering Blog - type: TermsOfService url: https://www.wave.com/en/terms_and_conditions/ - type: PrivacyPolicy url: https://www.wave.com/en/privacy/ - type: Security url: https://www.wave.com/en/security/responsible_disclosure name: Responsible Disclosure - type: Support url: https://www.wave.com/en/complaints-policy/ name: Complaints Policy - type: Product url: https://www.wave.com/en/wdf/ name: Wave Digital Finance - type: Pricing url: https://www.wave.com/en/ name: 1% Send Fee, Free Deposit/Withdrawal - type: Authentication url: https://docs.wave.com/business name: Bearer API Key with Optional HMAC-SHA256 Request Signing - type: RateLimits url: https://docs.wave.com/business name: HTTP 429 Returned on Excess Requests - type: CrunchBase url: https://www.crunchbase.com/organization/wave-mobile-money - type: YCombinator url: https://www.ycombinator.com/companies/wave - type: Wikipedia url: https://en.wikipedia.org/wiki/Wave_Mobile_Money - type: LinkedIn url: https://www.linkedin.com/company/wavemobilemoney/ - type: Twitter url: https://x.com/WaveSenegal maintainers: - FN: Kin Lane email: kin@apievangelist.com