Wave Business API merchant Senegal setup 2026

Wave Business = mobile payment leader Senegal/IC. 2024+ API enables e-commerce, marketplace, SaaS integration. Here's the complete 2026 Senegal merchant setup.

TL;DR

- Wave Business: 50M+ users Senegal/IC/Mali.

- Fees: 1% transaction (vs 2-3% cards).

- API: checkout, QR, B2B payouts.

- Required KYC: 3-7 day validation.

Wave Business registration

• Go to business.wave.com
• Create merchant account:
• Company name + RCCM
• NINEA
• Director ID
• Domicile proof
• KYC: 3-7 day validation
• Business account activation
• API key generation (sandbox + production)

Wave integration architecture

`

• Checkout flow:
• Site/app → Wave Checkout URL
• User redirected to Wave (mobile app or USSD)
• Payment validation
• Callback webhook → your server
• User redirected back to site

• QR code payment:
• Generate fixed-amount QR
• Customer scans via Wave app
• Confirms payment
• Webhook validation

• B2B payouts (transfers):
• Your server → Wave API
• Recipient validation
• Immediate transfer
• Confirmation

`

Node.js integration code

`typescript

import axios from 'axios';

const WAVE_API = 'https://api.wave.com/v1';

const WAVE_TOKEN = process.env.WAVE_API_TOKEN!;

// 1. Create checkout session

async function createCheckout({

amount, // XOF integer

currency, // 'XOF'

successUrl,

errorUrl,

}: {

amount: number;

currency: 'XOF';

successUrl: string;

errorUrl: string;

}) {

const res = await axios.post(

${WAVE_API}/checkout/sessions,

{

amount: amount.toString(),

currency,

success_url: successUrl,

error_url: errorUrl,

},

{

headers: {

Authorization: Bearer ${WAVE_TOKEN},

'Content-Type': 'application/json',

},

}

);

return {

sessionId: res.data.id,

redirectUrl: res.data.wave_launch_url,

status: res.data.checkout_status, // 'open'

};

}

// 2. Webhook handler (your server)

import express from 'express';

const app = express();

app.post('/webhooks/wave', express.json(), async (req, res) => {

const signature = req.headers['wave-signature'] as string;

// Verify HMAC signature

const valid = verifyWaveSignature(

req.rawBody,

signature,

process.env.WAVE_WEBHOOK_SECRET!

);

if (!valid) return res.status(401).end();

const event = req.body;

if (event.type === 'checkout.session.completed') {

const session = event.data;

await markOrderPaid({

orderId: session.client_reference,

waveTransactionId: session.transaction_id,

amount: session.amount,

});

}

res.status(200).json({ received: true });

});

// 3. Verify HMAC signature

import crypto from 'crypto';

function verifyWaveSignature(rawBody: string, signature: string, secret: string) {

const computed = crypto

.createHmac('sha256', secret)

.update(rawBody)

.digest('hex');

return crypto.timingSafeEqual(Buffer.from(computed), Buffer.from(signature));

}

`

2026 pricing

Transaction fees :

• <10K XOF: 1.0%
• 10K-100K: 1.0%
• >100K: 0.95% volume-negotiable
• Min: 50 XOF / transaction

B2B payout fees :

• To Wave user: 0%
• To bank account: 0.5-1% + 250 XOF

KYC compliance

Required documents :

• Original RCCM
• NINEA
• Director ID (front/back)
• Business domicile proof
• Director photo
• Company articles

• Validation delay : 3-7 business days
• Possible rejection : inconsistent info, risky sector

FAQ

Q: Sandbox available?

A: Yes, free test environment. Test cards provided.

Q: Multi-currency?

A: XOF (UEMOA XOF) only. EUR / USD not supported.

Conclusion

2026 Senegal Wave Business API = modern integration 1% fees. 3-7d KYC + 2-5d dev. Standard Africa e-commerce / marketplace stack.