Payment Gateway

Become an Authorised SendSpend Merchant and benefit from our eCommerce payment gateway for merchants and Unbanked Customers

Download the SendSpend Customer App

SendSpend Payment Gateway

Introducing the new, fast, secure and cost-effective way for unbanked customers to make secure payments for products and services

Key Features

  • An electronic payment system that doesn’t require a traditional credit card or cheque/debit card to make an online payment.
  • Simple, easy to install payment gateway API or Plug-In, allowing people without a credit card, debit/cheque card or traditional bank account to buy from you.


  • Suitable for:
    • Online Shops
    • Apps
    • In-Store Point of Sale


  • Payment Gateway links directly to customers SendSpend Pre-Paid Wallet and secure 2-factor authorisation is done instantly.
SendSpend Payment Gateway screenshot
SendSpend OTP Functionality Screenshot

Benefits of SendSpend as a Payment Option

  • Allow people with no bank or credit card to pay you electronically
  • Tap into a whole new market of unbanked people, 1.7 billion across the globe• Quick and Easy for shoppers to download the SendSpend App from Google Play Store and sign up in a matter of minutes
  • Highly Secure Transactions. 2 Stage Transaction Authentication (PIN and OTP) for customers -reduces the risk of fraud and customer disputes

Merchant Costs and remittance of Funds

  • Remittance of cash in 72 hours
  • Simple Charges – Fixed, Low Transaction Fee depending on volumes
  • Maximum 4%
  • No Minimum Transaction Fee
  • No Monthly Fees
  • No Denied Transaction Fees
  • No Refund Fees
  • No Pre-Authorisation Charges

Getting Started

  • What you will need to do


Have your own e-commerce website or app set up and running.


For Individuals/Sole Proprietors, Sign Up using the App and request the Payment Gateway API or Plug-In at


For companies, trusts and other incorporated entities, Complete the online registration form at and accept the SendSpend Terms and Conditions.

Next Steps

  • Once we have your details, we will set you up with an account and notify you.
  • After this, we’ll send you our simple API to integrate with your online checkout, along with the instructions. 
  • For some e-commerce shops, we may already have a simple plug-in for you to install. We’ll determine whether this is the case when you provide us with the information we ask for in the application form.

Going Live!

  • As soon as you have completed the integration and everything is working fine, we’ll make you live.
  • You can start accepting payments from SendSpend customers immediately!

A quick and easy process

  • From start to take your first payment – No longer than 2 weeks.
  • Providing the are no problems, it should take us 48 hours to process your application, open your account and send you the API or plug-in.
  • The rest is up to you as it’s you who will need to add the SendSpend payment option to your Website Shop or App.

Simple Terms and Conditions for e-Merchants, to sign up, call or email: to get the payment API or plugin for your shop.