FedaPay Account Types

FedaPay provides several types of accounts tailored to the specific needs of each user. Whether you are a company, an independent worker, an NGO, a government institution, operate a marketplace, or are a physical merchant, FedaPay offers a tailored solution to collect payments simply and securely. Below is an overview of the available options:

NGO Account

Who is it for? This account is designed for Non-Governmental Organizations (NGOs) and non-profit associations. Why choose this account?

No limit on transaction amounts, either per transaction or per week.
Adapted to the specific needs of humanitarian and non-profit organizations.

Required documents (KYB):

NGO/association registration number.
Official NGO/association declaration receipt.
Name of the NGO/association manager.
ID document of the Founder / Manager / Director.
Copy of the Founder / Manager / Director’s ID document.

Independent Worker Account

Who is it for? If you are a freelancer or service provider and want to receive payments easily, this account is for you. Key features:

Limit of 10 transactions per week.
Authorized amount per transaction: between 100 XOF and 300,000 XOF.

Required documents (KYC):

ID document of the Founder / Manager / Director.
Copy of the ID document.
IFU number (Unique Tax Identification Number).
Supporting IFU document.

Business Account

Who is it for? Legally registered companies that wish to integrate online payments and manage their cash flow efficiently. Why choose this account?

Access to all payment methods available on FedaPay.
No limit on transaction amounts.

Required documents (KYB):

RCCM or company registration number.
Official RCCM document or proof of registration.
Name of the company manager.
ID document of the Founder / Manager / Director.
Copy of the ID document.
IFU number.
Supporting IFU document.

Government Account

Who is it for? This account is intended for government institutions and administrative entities. Why choose this account?

No transaction limits.
Adapted to public financial operations.

Required documents: Validation by the FedaPay team.

TAP & GO Account

Who is it for? Merchants using the TAP & GO solution to accept in-store or on-site payments. Conditions

Acceptance of in-person payments (in-store payments).
No limit on the number or amount of transactions.
Possibility to manage sub-accounts and commissions depending on the profile.

Required documents (Digital KYC)

RCCM or company registration number (Not mandatory).
Official RCCM document or proof of registration (if available).
CIP of the Founder / Manager / Director.
Supporting CIP document.
IFU number.
Supporting IFU document.
Name of the company manager.

Marketplace Account

Who is it for? This account is specifically designed for marketplace platforms that connect sellers and buyers and wish to automate payment and commission management. Why choose this account?

Accepts all payment methods (Mobile Money, bank cards, etc.).
No limit on the number and amount of transactions.
Advanced feature: sub-account and commission management.

Required documents (KYC):

RCCM or company registration number.
Official RCCM document or proof of registration.
Name of the company manager.
ID document of the Founder / Manager / Director.
Copy of the ID document.
IFU number.
Supporting IFU document.

Sub-Account Feature With a Marketplace Account, you can integrate sub-accounts, allowing automatic payment distribution among multiple parties. Use Case Example : A marketplace connects multiple vendors. When a customer makes a purchase, a commission is deducted for the platform, and the remaining payment is automatically transferred to the relevant vendor. Conditions to activate sub-accounts :

A validated Marketplace Account.
At least one associated sub-account.

How Does Payment Distribution Work ? When you create a transaction on your marketplace, you can specify how the amount should be divided between the main account and service providers. Example of an API request for commission distribution :

//Replace YOUR_SECRET_API_KEY with the secret API key of your sandbox or live account. If you are using your live account, you must replace the link with https://api.fedapay.com/v1/transactions

curl -X POST \
https://sandbox-api.fedapay.com/v1/transactions \
-H 'Authorization: Bearer YOUR_SECRET_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
      "description" : "Transaction for john.doe@example.com",
      "amount" : 2000,
      "currency" : {"iso" : "XOF"},
      "callback_url" : "https://maplateforme.com/callback",
      "customer" : {
          "firstname" : "John",
          "lastname" : "Doe",
          "email" : "john.doe@example.com",
          "phone_number" : {
              "number" : "+22997808080",
              "country" : "bj"
          }
      },
      "sub_accounts_commisssions": [
        {
          "reference": "acc_xxxxxxxxx",
          "amount": 1500
        }
      ]
    }'

In this example, 1,500 XOF will be transferred to the sub-account of the service provider (acc_xxxxxxxxx), while the main account retains the remaining amount after deducting FedaPay fees.

Note: The total distributed amount must be less than the transaction amount minus FedaPay commissions; otherwise, the transaction will fail.

Track Transactions & Commissions From your FedaPay dashboard, you can monitor all transactions with commission distribution by viewing their details.

Invite a Provider to Join Your Marketplace You can invite a service provider to join your FedaPay Marketplace account directly from your dashboard. Steps to invite a business :

Go to the 'Marketplace' menu in your dashboard.

Click on 'Invite a Business' and fill in the necessary details.

Once the invitation is accepted, the provider can receive payments via your platform, and you can pay them commissions.

Automate Sub-Account Creation via API FedaPay allows you to automate the onboarding of new providers by integrating the sub-account functionality directly into your system via API. Example code snippet for automating sub-account creation:

Curl

//Replace YOUR_SECRET_API_KEY with the secret API key of your sandbox or live account. If you are using your live account, you must replace the link with https://api.fedapay.com/v1/auth/sub_account_invitations

curl -X POST \
  https://sandbox-api.fedapay.com/v1/auth/sub_account_invitations \
  -H 'Authorization: Bearer YOUR_SECRET_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
        "email" : "john.doe@example.com",
        "full_name" : "Jonh Doe"
      }'

FedaPay ensures the verification and validation of the information to comply with KYC regulations.

Mandatory Contractual Documents

For all applicable account types (NGO, Independent Worker, Business, Marketplace), the following contractual documents are required:

Declaration of honor
Terms and Conditions of Use
Service Agreement with FedaPay

These documents are available for download on the platform. They must be:

downloaded;
signed;
scanned;
uploaded in the designated fields.

TAP & GO Specificity For TAP & GO, the contractual documents are completed and physically signed on-site during the onboarding process.

Upgrading from an Individual Account to a Business Account on FedaPay

If you have a Freelancer Account (individual account), you can convert it into a Business Account by following these steps:

Access the Upgrade Option

Log in to your FedaPay account.
Go to your account settings.
Click on the Upgrade to Business button.

Verify the Required Documents

An interface will appear with the list of documents required to validate your Business Account.
Make sure you have all the necessary documents before proceeding.

Confirm the Conversion

Click on Yes, I want to upgrade to Business.
Fill out the application form by entering the required information.

Submit the Request

Ensure that all the entered information is correct.
Upload the required documents.
Click on Submit to send your request.

Mandatory Tax Information for FedaPay Accounts

When creating or updating a FedaPay account (Freelancer, Business, or Marketplace), it is essential to provide accurate tax information, based on your country of operation. This data is required for proper legal identification and regulatory compliance. Required Tax Identifiers by Country

🇧🇯 Benin

IFU (Unique Tax Identification Number)

🇸🇳 Senegal

IFU/NINEA (National Business and Association ID Number)

🇧🇫 Burkina Faso

Unique Financial Identifier

🇨🇮 Ivory Coast

IDU/NIF (Unique Identifier / Tax Identification Number)

🇹🇬 Togo

NIF (Tax Identification Number)

🇳🇪 Niger

NIF (Tax Identification Number)

🇬🇳 Guinea

NIF (Tax Identification Number)

🇲🇱 Mali

NIF (Tax Identification Number)

Make sure the submitted tax document is valid and matches the exact legal name of the entity.

Introduction to FedaPay

Payment Methods

API integration

Plugins FedaPay

FedaPay Dashboard

TAP & GO

Security

FedaPay Account Types

NGO Account

Independent Worker Account

Business Account

Government Account

TAP & GO Account

Marketplace Account

Mandatory Contractual Documents

Upgrading from an Individual Account to a Business Account on FedaPay

Mandatory Tax Information for FedaPay Accounts

Introduction to FedaPay

Payment Methods

API integration

Plugins FedaPay

FedaPay Dashboard

TAP & GO

Security

​NGO Account

​Independent Worker Account

​Business Account

​Government Account

​TAP & GO Account

​Marketplace Account

​Mandatory Contractual Documents

​Upgrading from an Individual Account to a Business Account on FedaPay

​Mandatory Tax Information for FedaPay Accounts

NGO Account

Independent Worker Account

Business Account

Government Account

TAP & GO Account

Marketplace Account

Mandatory Contractual Documents

Upgrading from an Individual Account to a Business Account on FedaPay

Mandatory Tax Information for FedaPay Accounts