Introduction

YnoPay is a non-custodial payment platform for West African merchants. Accept Orange Money, Moov, Wave, MTN MoMo, Bitcoin Lightning, and USDT — without holding merchant funds.

How it works

1. Create a Payment Intent or Checkout Session via the API
2. Customer pays using their preferred rail (mobile money, crypto)
3. YnoPay reconciles the payment in real time via SMS parsing or chain watching
4. Your webhook receives a payment_intent.succeeded event
5. Funds arrive directly in the merchant's own wallet — YnoPay never holds money

Quick links

• Quickstart guide — get your first payment in 5 minutes
• Payment Intents API — create and manage payments
• Node.js SDK — Stripe-style ergonomics
• WooCommerce plugin — drop-in WordPress integration

Base URL

https://api.ynopay.com

Authentication

All API requests require a secret key passed in the Authorization header:

Authorization: Bearer sk_test_...