Cameroon payment infrastructure

Send money in Cameroon. Wallet, checkout, and a payments API.

LBPay is the XAF platform people, businesses, and developers use. Move funds across MTN Mobile Money, Orange Money, cards, and the LBPay wallet — without treating any one network as the product.

Built for XAF, Mobile Money, QR checkout, and developer-grade ledgers.

People sending money in Cameroon with the LBPay XAF wallet

Three products. One ledger.

Open a personal wallet, collect as a business, or call the payments API. Every product posts to the same XAF ledger.

Wallet

Personal XAF accounts with @handles, deposits, withdrawals, airtime, bills, and instant LBPay transfers.

Create a wallet

Business

Accept MTN, Orange, cards, wallet, payment links, and QR — without stitching networks together.

Collect payments

Developers

Keys, sandbox, webhooks, payouts, subscriptions, and a Mobile Money API. Infrastructure, not a wrapper.

Read the docs

Send money from MTN Mobile Money to Orange Money through LBPay

Cross-network transfers

MTN to Orange. One send.

Users should not think in networks. They send 20,000 XAF to a number or an @handle. LBPay chooses the rail, posts the ledger, and settles out when money has to leave the platform.

Send to an @handle instead of a phone number
Internal LBPay to LBPay transfers stay on the ledger
Request money, split bills, and share payment links

Merchant checkout

QR, payment links, and a single checkout.

A customer scans. Enters an amount. Pays with MTN Mobile Money, Orange Money, card, or wallet. The merchant never implements those methods one by one.

QR Payment links

Cameroon merchant QR checkout accepting MTN, Orange, cards, and wallet

Developer platform

Payments, payouts, sandbox, webhooks.

Integrate a Cameroon payments API for XAF collections and disbursements. Sandbox keys are issued when you apply. Live keys wait for KYC.

const payment = await lbpay.payments.create({
  amount: 5000,
  currency: "XAF",
  customer: { phone: "6XXXXXXXX" },
  method: "mobile_money"
});

LBPay developer platform for Mobile Money payments and payouts in XAF

How LBPay works in Cameroon

LBPay is a Cameroon fintech platform for sending money, receiving money, and collecting payments in Central African CFA franc (XAF). It is built around how people already move cash: MTN Mobile Money, Orange Money, cards, and a stored wallet with an @handle. The product is the ledger and the checkout. The networks are rails.

Anyone can open a personal wallet from the signup page. After an email one-time code and a PIN, you hold XAF, send to a phone number or an @handle, request money, split a bill, buy airtime, and pay bills. Transfers between two LBPay wallets post on the ledger immediately. When cash has to leave to MTN or Orange, LBPay runs a disbursement on the payment rail so the recipient still gets Mobile Money they can spend.

Sending from MTN to Orange is the consumer job people actually have. You should not need two apps and a float agent. You enter an amount in XAF, a number or @handle, and confirm with your PIN. LBPay chooses whether the move stays inside the wallet or goes out as a Mobile Money payout. That is how a digital wallet in Cameroon should feel: one send, one currency, the right rail underneath.

Merchants in Douala, Yaoundé, Bafoussam, and the rest of Cameroon should not stitch three networks together. After KYC and admin approval, a business gets one checkout: QR codes, payment links, MTN, Orange, cards, and wallet. A customer scans or taps a link, enters an amount, and pays with the method they already have. Settlement posts against the same ledger the wallet uses.

Teams that need a Mobile Money API, disbursement API, or payment gateway in Cameroon integrate LBPay, not a single processor. Sandbox keys are issued when you apply. Live keys wait for KYC. The API covers payments, payouts, payment links, webhooks, and balance, with test amounts that succeed, fail, or stay pending so you can build before you take real XAF. Read the payments API docs or create a wallet to start.

Frequently asked questions

What is LBPay?

LBPay is a Cameroon payment and wallet platform. People send and receive XAF, businesses collect with QR and payment links, and developers call a payments API. MTN Mobile Money, Orange Money, cards, and the LBPay wallet are rails underneath the product.

Can I send money from MTN to Orange with LBPay?

Yes. You send to a phone number or an @handle. If the money stays on LBPay it is an internal wallet transfer. If it must leave to MTN or Orange, LBPay runs a disbursement on the payment rail.

Does LBPay support a payments API and sandbox?

Developers apply for API access and receive sandbox keys immediately. Live keys are issued after KYC approval. The API covers payments, payouts, payment links, webhooks, and balance.

How do merchants collect payments in Cameroon?

Businesses use one checkout for MTN Mobile Money, Orange Money, cards, and LBPay wallet. Customers can pay by QR code or a payment link. The merchant does not integrate each network separately.