WaafiPay review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
WaafiPay operates a combined payment system covering wallet acceptance, card processing, in person terminals and creation of cards on global networks. It suits East African firms seeking one regional stack for online and in person trade, trusted by 5,000+ businesses seeking unified acceptance.
Key facts
- Best for
- East African firms needing combined payment acceptance
- Headquarters
- Djibouti↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Business
- Official website
- waafipay.com
Facts checked September 26, 2026, 1 source
Pros and cons
Pros
- Combined system covering wallets, card processing and card creation
- PCI DSS compliant with 3D Secure and tokenization
- Card creation linked through central bank switch integration
- Comprehensive APIs and SDKs for building tailored payment experiences
Cons
- Focused only on East Africa, so firms elsewhere gain little value
- Tailored payment builds call for developer resources and integration effort
Ready to try WaafiPay?
Who it suits
- Merchants handling wallet and card payments in East Africa
- Firms launching prepaid or corporate card programmes
- Enterprises needing online plus in person sales reporting
Who should look elsewhere
- Businesses operating outside East Africa
- Private individuals wanting everyday personal accounts
How your money is protected
WaafiPay protects card activity through PCI DSS compliance, 3D Secure authentication and tokenization that replaces sensitive details during processing. Recurring billing uses the same token approach to keep stored credentials shielded. Card creation connects through central bank switch integration, which places issuance inside supervised clearing paths. In person terminals accept contactless and chip plus PIN taps, while receipt printing and sales reporting help firms reconcile takings. The stack brings wallets, processing and issuance together under enterprise grade security controls.
How WaafiPay compares
Where WaafiPay is available
- Available
- Djibouti, Ethiopia, Kenya, Somalia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does WaafiPay provide for businesses?+
WaafiPay supplies a combined system for firms that covers wallet acceptance, card transaction processing and in person terminals with reporting. It also supports creation of virtual and physical cards for prepaid and corporate programmes, plus APIs and SDKs for tailored builds.
Which kinds of cards can firms create?+
Firms can create virtual cards and physical cards for prepaid programmes and corporate use. All card creation runs on global networks through central bank switch integration, which keeps issuance inside supervised clearing paths.
Where does WaafiPay operate?+
Coverage centres on East Africa, where firms accept wallet payments and card transactions through one system. The offer suits merchants and enterprises that trade inside the region and need both online and in person acceptance.
How do developers build payment experiences with WaafiPay?+
Technical teams use comprehensive APIs and SDKs to shape acceptance flows, card programmes and reporting views. The tools support wallet payments, card processing and terminal activity, allowing firms to match payment steps to their own product needs.
What security standards protect transactions?+
Protection rests on PCI DSS compliance with 3D Secure authentication and tokenization for card details. Recurring billing uses tokenised credentials, while in person terminals handle contactless and chip plus PIN transactions with established safeguards.
Sources
- waafipay.com/contact checked September 26, 2026
Backs: Headquarters, Support channels
“Salaam Tower, Djibouti”
- waafipay.com/terms checked September 26, 2026
Backs: Audience
“card issuance solutions for businesses operating in East Africa”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee, Rewards type.
WaafiPay
East African firms needing combined payment acceptance