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Service presentation

Moala is a payment aggregator operating in four African countries (Cameroon, Gabon, Senegal, Ivory Coast), providing APIs to facilitate transactions between retailers and customers.

This product is designed for shops, restaurants, bars and generally businesses, which want to simplify payments for their customers.

Individuals can use payment links to collect help requests and even fundraising.

Payment aggregator definition​

A payment aggregator: is a platform that enables merchants and businesses to accept multiple payment methods (bank cards, transfers, mobile money, etc.) through a single integration. It simplifies transaction management by consolidating different payment providers and offering services such as payment security, refund management, and transaction tracking.

The advantages of a payment aggregator​

1️⃣ Multiple Payment Methods​

  • Bank cards (Visa, Mastercard, Amex)
  • Digital wallets (PayPal, Apple Pay, Google Pay)
  • Mobile money (Orange Money, Mobile Money, etc.)

2️⃣ Simplified Integration​

Easy integration through:

  • APIs and SDKs for developers
  • Payment links and QR codes for quick billing
  • Ready-to-use modules for CMS platforms like Shopify, WooCommerce, Magento

3️⃣ Security and Compliance​

Ensures transaction protection with:

  • Transaction encryption
  • Anonymization of personal data
  • Multi-factor authentication to reduce fraud

4️⃣ Payment Management​

Facilitates the management of payments and withdrawals:

  • Recurring payments (subscriptions)
  • Fraud detection and prevention
  • Management of disputes and refunds

5️⃣ Dashboard and Reporting​

Provides real-time tracking tools:

  • Overview of transactions (statuses, amounts, payment methods)
  • Financial and analytical reports
  • Alerts and notifications for failed payments or detected fraud

6️⃣ Internationalization​

Simplifies international transactions with:

  • Multi-currency support (payments accepted in different currencies)
  • Translated payment interfaces