Billing
Subscriptions
Monthly and yearly plans, automatic retries on failed payments. Your customers pay by mobile money, by card or in crypto, wherever they are.
Pro plan
- Studio Nokoué12 500 XOF / monthActive
- RenewalIn 23 daysAutomatic
Start collecting in 30 minutes.
Not in 3 months.
One integration, one contract: mobile money in Africa, cards and wallets worldwide. Itaja is merchant of record — compliance, taxes and disputes are carried in our name.
- Collected2 min ago
12 500 XOF
Mobile money · Pro plan
The reality check
Building a SaaS takes 3 days. Becoming payable in Africa takes 3 to 6 months.
Building a product for the continent has never been faster. Making it payable is still the wall: several regions, several operators, a file per provider, and not one franc before approval.
3days
to build the product3-6months
to become payableWhat it takes today
What Itaja takes on
- An operating company: registration and tax ID, 2 to 6 weeksNo company to set up
- A KYC / KYB file with every provider, 1 to 3 weeksOne merchant relationship
- An entity outside the continent for some payment methodsNot required
The solution
A complete infrastructure, not a payment button.
Collection, subscriptions, billing, taxes, disputes and payouts: one engine for everything that happens after the customer taps pay.
01
Merchant of record
We handle collection, taxes and disputes for you, across Africa and worldwide. You sell: compliance, risk and refunds are no longer your problem.
02
Monetize on your model
Subscriptions, one-off payments, credits and coins, license keys. The same engine covers all four models: from AI agents billed by consumption to the coin packs of a game.
03
Run on data
Revenue, customers, success rates and purchase journeys from day one. No dashboard to build, no spreadsheet to maintain.
In practice
Three steps, no paperwork.
Create your account
No company to register, no file to open with each operator. You create a project, you pick your billing currency, and it is live.
no file to openThe account, no paperwork
- ProjectBoutique KpaliméActive
- KYC fileNoneNot required
Connect your product
A payment link to start without writing a line of code. An API and SDKs when the product grows, readable by a human and guessable by an agent.
zero code to startThe payment link
- Addresspay.getitaja.com/kpalimeLive
- API keyitj_live_••••7f2aActive
Collect and let it run
The orchestrator picks the provider most likely to complete each payment, and falls back to another when that one fails: that is how the success rate goes up. It retries failed subscriptions, works out the taxes, absorbs disputes and pays you out where your treasury requires.
the orchestrator decides aloneChoosing the route
- Mobile money · primary operator62%Selected
- Bank cards · fallback24%Fallback
- Mobile money · second fallback14%
All included
Everything you need, no extras.
No module to install, no paid add-on, no hidden fee: every piece below is covered by the same rate.
Merchant of record
Collection, taxes and disputes are carried in our name: you sell, and compliance and refunds stop being your problem.
Mobile money, cards and wallets
Local routes country by country, without integrating one operator at a time — or filing paperwork with each.
Four ways to bill
Subscription, one-time payment, credits and coins, license keys: the same engine carries all four.
Payouts
To a local account in your name, with no entity outside the continent and no company to set up.
Data from day one
Revenue, customers, success rate and purchase paths — without a dashboard to build or a spreadsheet to keep.
International coverage
Cards and crypto everywhere, mobile money wherever an operator runs.
One integration, several providers.
Mobile money operators, cards and wallets are not integrated one by one: the orchestrator chooses the route most likely to succeed.
- Mobile money, 20+ countries
- Mobile money and cards, WAEMU
- Mobile money and cards, Benin, CI, Togo
A gateway collects. Itaja sells.
| Payment gateway | Itaja, merchant of record | |
|---|---|---|
| Who is the seller to the customer | You | Itaja |
| Taxes, disputes and refunds | On you | Handled |
| Subscriptions, credits, license keys | To be built | Included |
| Opening a local company | Required | Not required |
| Reconciliation across providers | On you | Included |
| Payouts to your accounts | On you | Included |
Monetization
Sell the way you want.
Subscriptions, one-off payments, credits and coins, license keys: four models on one engine. You choose how you charge; Itaja handles retries, taxes and payouts.
Checkout
One-off payments
Courses, templates, digital products: a payment link is all it takes. The customer pays, the order goes out.
One-off sale
- UI templates pack45 000 XOFCollected
- PayoutLocal accountScheduled
Usage
Credits and coins
AI agents, APIs billed by consumption, coin packs in a game, an app or a piece of software: metering, pack sales and top-ups live in the engine, not in your backlog.
Credits and coins
- 500-coin pack · mobile game2 500 XOFCollected
- Credit balance · API2 000 XOFAuto top-up
Software
License keys
Your software sold with a key generated at purchase, managed from the API. No license server to maintain.
License
- KeyITJ-7F3A-••••-••••Active
- Activations2 of 3
Developer experience, from first test to volume.
A readable API, webhooks that land, and a single way to bill: from first test to volume.
Subscriptions, credits and coins, license keys
BillingSubscriptions and one-off payments, credits for AI agents, coin packs for a game, license keys for software, invoicing and dunning. All four models sit on the same engine.
The best partner, on every payment
PaymentsMobile money, cards and wallets behind a single integration. The orchestrator picks the route most likely to succeed instead of leaving you to guess.
Payouts where you are
PayoutsLocal accounts, mobile money or stablecoins. You collect from anywhere, you get paid where your treasury lives.
One payment, five lines
session.ts// créer une session de paiement
const session = await itaja.checkout.create({
amount: 25000,
currency: 'XOF',
customer: 'awa@exemple.com',
mode: 'subscription',
});
// rediriger le client
return redirect(session.url);What you don't have to build
- Reconciliation across providers
- Tax calculation and collection
- Dispute and refund management
- Failed subscription retries
- Payouts to each operator
8% + 100 FCFA per transaction.
One rate, charged on collection: the 100 FCFA are borne by the end customer, the 8% by the merchant or the customer, as you choose.
All inclusiveper transaction
8% + 100 FCFA
What the fee covers
- Payment collection, across Africa
- Taxes and compliance handled in every country where you sell
- Billing: subscriptions, credits and coins, license keys
- Payouts to your accounts
Taxes and compliance, included. Itaja is the merchant of record: VAT and local obligations are calculated, collected and remitted in every country where you sell. Nothing to file on your side.
Work out your split
The model is denominated in CFA francs. For other markets, the fee is converted at the day’s rate.
In CFA francs, the currency of the model
Who bears the 8%?
%
They depend on your contract: we assume none. Leave 0 to see the commission on its own.The customer pays
5 100 XOF
- You receive
- 4 600 XOF
- Itaja commission
- 500 XOF
8 % × 5 000 + 100 = 500 XOF
Check your current contract.
- Currency conversion fees
- A surcharge on recurring subscriptions
- A surcharge on certain cards
- Tax tools billed separately
- Payout fees
With Itaja — The rate above is the total price. Nothing is added to it, not by country, not by payment method, not on subscriptions.
Integration
Wired into your stack, and into your agent.
A documented package, a readable API, and skills ready for the coding agent you already use.
terminal
- $ npm install @itaja/sdk
- › wire billing into my dashboard
- ✓ skill itaja-checkout found
- ✓ lib/itaja.ts written
Skills, SDKs and packages
- npm
- TypeScript
- Node.js
- Python
- PHP
- Go
Packages and skills evolve with the API; the example above shows how they are used.
Straight answers.
If an answer is missing, write to us: a question asked twice becomes an entry in this list.
Do I need a company to collect payments?
No. That is the whole point of merchant of record: Itaja is the seller to your customer, so we carry the merchant relationship and the obligations that come with it. You do not have to set up a structure abroad to access a payment method.
Which payment methods are covered?
Mobile money, cards and wallets, through an orchestrator. For each payment it picks the partner most likely to complete it and falls back to a second one on failure, which raises the success rate. Providers already have an adapter in production; the others are being finalised.
How and when do I get my money?
By payout to a local account, a mobile money wallet or stablecoins, whichever suits your treasury. Finalising payouts is the December 2026 milestone.
Which billing models are supported?
Subscriptions, one-off payments, credits and coins, license keys. Credits cover an AI agent billed by consumption as well as a coin pack bought inside a game — without rebuilding a metering engine.
Is Itaja a payment provider?
No. Itaja is merchant of record and orchestrator: funds move through licensed providers, with whom we hold the contractual relationships. That separation is what lets us operate without you having to obtain a licence.
What do I have to integrate technically?
Nothing at all to start: a payment link is enough. Then a documented API and SDKs, with a complete example in a few lines. The goal is to stay compatible with AI coding stacks, which means being legible and predictable.
When is it available?
The service opens in September 2026 and takes its first 100 merchants. Finalisation of payouts follows, in December 2026. Sign up: places are allocated from the waitlist.
100 places. Not one more.
Opening in September 2026, with direct support from the team. Two minutes on the form: what you are building decides your rank.
- No company to set up
- Live in minutes
- Payouts to your own local account