FedaPay offers multiple account types tailored to meet the specific needs of each user. Whether you are a business, freelancer, NGO, government institution, or managing a marketplace, FedaPay provides a customized solution to securely and easily process your payments. Here is an overview of the available options:

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NGO Account

Who is it for? This account is designed for Non-Governmental Organizations (NGOs) and non-profit associations. Why choose this account ?
  • No transaction limits, whether per operation or per week.
  • Tailored to the specific needs of humanitarian and associative organizations.
Required Documents (KYC):
  • Official registration document of the association.
  • ID card of the legal representative.

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Freelancer Account

Who is it for? If you are a freelancer or service provider looking to receive payments easily, this account is for you. Key Features:
  • Limit of 10 transactions per week.
  • Authorized transaction amount: between 100 XOF and 300,000 XOF.
Required Documents (KYC) :
  • ID card.
  • Tax Identification Number (IFU).
  • Signature.

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Business Account

Who is it for? Legally registered businesses that want to integrate online payments and efficiently manage their cash flow. Why choose this account ?
  • Access to all available payment methods on FedaPay.
  • No transaction amount limits.
Required Documents (KYC) :
  • Business Registration (RCCM).
  • Tax Identification Number (IFU).
  • ID card of the legal representative.
  • Signature.

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Government Account

Who is it for ? This account is designed for government institutions and administrative entities. Why choose this account ?
  • No transaction limits.
  • Suitable for government financial operations.
Required Documents (KYC) : Validation by the FedaPay team.

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Marketplace Account

Who is it for ? This account is specifically designed for marketplace platforms that connect sellers and buyers and need to automate payment and commission management. Why choose this account ?
  • Supports all payment methods (Mobile Money, bank cards, etc.).
  • No limits on the number or amount of transactions.
  • Advanced functionality: management of sub-accounts and commissions.
Required Documents (KYC) :
  • ID card or passport of the Founder/Director/Manager.
  • Copy of the ID card.
  • Business Tax ID (IFU/VAT) + supporting document.
  • Business Registration (RCCM) + supporting document.

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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.

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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.

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Track Transactions & Commissions

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

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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 :
1

Go to the 'Marketplace' menu in your dashboard.

2

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

3

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

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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.

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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:
1

Access the Upgrade Option

  • Log in to your FedaPay account.
  • Go to your account settings.
  • Click on the Upgrade to Business button.
2

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.
3

Confirm the Conversion

  • Click on Yes, I want to upgrade to Business.
  • Fill out the application form by entering the required information.
4

Submit the Request

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

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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.

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Required Tax Identifiers by Country

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

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Share Capital for Business and Marketplace Accounts

For Business and Marketplace accounts, the share capital stated in the application form must match exactly what is written on the RCCM (Commercial and Movable Credit Registry) document.
  • The capital must be entered in XOF (West African CFA Franc) or the corresponding local currency.
  • Any mismatch between the declared capital and what is stated on the RCCM may result in your application being rejected.

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Best Practices

  • Submit official and clear documents (PDF or high-quality image).
  • Do not leave any mandatory fields empty when filling out the tax information.
  • Double-check that the company or account holder name matches the documents exactly.