Payment infrastructure
for Ghana
Accept MTN MoMo, Vodafone Cash and AirtelTigo payments through one simple API. Built by Ghanaians, for Ghanaian businesses.
// Collect a payment
const res = await fetch(
'https://api.sikapaygh.com
/api/v1/transaction/initialize',
{
method: 'POST',
headers: {
'Authorization': `Bearer $${key$}`
},
body: JSON.stringify({
amount: 100.00,
email: 'pay@me.com'
})
}
)Everything you need,
nothing you don't
From accepting your first payment to scaling operations — one platform handles it all.
All networks
MTN MoMo, Vodafone Cash, AirtelTigo Money. Single integration, every wallet.
Serious security
Two-factor auth, IP whitelisting, audit trails, fraud monitoring. Your money stays safe.
Smart analytics
Know your peak hours, best channels, and revenue trends. Insights that actually help.
Online store
Launch a storefront in minutes. Add products, customize colors, share one link. Done.
Subscriptions
Set up recurring billing. Plans, automated collections, customer management included.
Loyalty rewards
Cashback rules, bonus milestones, points systems. Keep customers coming back.
Invoices
Create invoices, send via SMS or WhatsApp. Auto-create payment links, track status.
Split payments
Revenue sharing with partners. Percentage or flat splits. Automated every time.
Instant payouts
Withdraw to any mobile wallet. Same-day settlements for verified merchants.
Three steps. That's it.
No paperwork, no waiting. You could be collecting payments by the end of this page.
Create account
Sign up with your email. Takes about two minutes. We give you test API keys immediately.
Add a few lines of code
Copy our code samples, hit our API, and test in sandbox mode. Works with any language.
Go live
Complete verification, switch to live keys, and start receiving real payments.
An API you'll actually enjoy
RESTful design. Predictable responses. Proper error messages. We wrote the docs we wish existed when we were integrating payment APIs.
- Consistent JSON responses with proper status codes
- Sandbox mode with test keys — break nothing
- Webhook retries with exponential backoff
- Full audit log of every API call
Straightforward pricing
No contracts, no hidden costs, no monthly minimums. Pay only when you earn.
Starter
For getting started
- All mobile money networks
- Dashboard & analytics
- Payment links
- Email support
- Test & live environments
Business
For growing teams
- Everything in Starter
- Priority support
- Storefront & invoices
- Team members & roles
- Webhook retries
- Dedicated account manager
Enterprise
For large scale
- Volume-based rates
- SLA guarantees
- Custom integrations
- White-label options
- 24/7 phone support
What people say
We switched from building our own MoMo integration to SikaPay and saved three months of development time. Success rate went from ~80% to 94%.
The dashboard gives me everything at a glance. I check revenue, track which channels perform best, and handle refunds all from one place.
Clean API, helpful docs, fast responses when I need support. This is what payment infrastructure should feel like in Ghana.
Ready to get started?
Create a free account. No credit card, no commitments. Start testing payments in minutes.