Kratos Pay™ Merchant

Collect all your customers' payments: Mobile Money, card or bank transfer in one place, fully secure.

With Kratos Pay™, enjoy a local and intuitive approach: collect payments, track your sales and integrate payments without complexity or hidden costs. Kratos Pay™ is designed for entrepreneurs, merchants and professionals looking for a smooth, transparent solution.

Create a Kratos Pay™ Merchant Watch the demo

Who is it for?

Transform the way you collect payments. An all-in-one, simple and secure solution to smooth your transactions and improve your cash flow.

Individual Merchants

Shops · Restaurants · Services · Pharmacies

Businesses

Invoicing · B2B collection · Cash management

Developer

E-commerce platforms · Fintechs · Digital services

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Active merchants

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Uptime

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Transactions processed

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Countries covered

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Mobbile Money Operators and Banks covered

Soft POS

QR Payment
Accept payments via interoperable static or dynamic GIMACPAY QR codes · No terminal required
Payment link
Share a payment link via SMS, WhatsApp, or email; the customer pays in a matter of seconds, using their preferred payment method.
Push notification
Receive an instant notification for each payment received
Interoperabe merchant code
A unique, interoperable GIMAC PAY merchant code to facilitate your payments across the entire CEMAC region.
Instant payment
Instant, secure and traceable payment · Bill and service payments included

Sales & Payments Tracking

Merchant Portal
Merchant Portal to view all your transactions in real time
Detailed reports
Detailed reports: sales volume, frequency, customer profiles
Multiple Payment Collection Methods
Collect payments effortlessly with our static and dynamic QR codes, interoperable GIMAC PAY merchant code, payment links, and Cash-In API.
Mass payment
Mass payment: send funds to hundreds of recipients in one click
Supplier payment
Supplier payment · Manage your B2B obligations from the dashboard
Accounting export
Exportable history for accounting: Excel and PDF export

Integration & APIs

Cash-In APIs
Multi-country collection APIs (Cash-In) · Coverage: Cameroon, DRC, and partner countries
Cash-Out APIs
Cash-Out distribution APIs · Transfer to Mobile Money or bank account
Status tracking
Real-time transaction status tracking · Webhooks for automatic notifications
Sandbox
Sandbox (test): test your integration without real money · Free and immediate access
Documentation
Clear and simple documentation with dedicated technical support · Code examples available

MoK™ Agent

Instant deposit & withdrawal

Deposit and withdraw money easily through our MoK™ agents.

Our partners

FAQs

Go to the Business / Merchants section of our website and click "Create an account" or "Become a Merchant".

Kratos™ accepts the main Mobile Money operators in the region (MTN, Orange, and other partner operators depending on the country).

Fees vary depending on your profile (Individual merchant, Business, API) — see our Pricing page for full details.

Kratos Pay™ Merchant targets individuals and small shops; Kratos Pay™ Business adds B2B invoicing, mass payment and API access for companies and aggregators.

From your dashboard, import your list of recipients and send the corresponding funds in a single click.

Yes, official plugins are available for WooCommerce, Shopify, PrestaShop, Moodle and WHMCS.

Reports and Excel/PDF exports are available directly from your Merchant Portal.

A MoK™ agent is a collection point for deposits and withdrawals. Find the agent network in the Kratos Pay™ Agent section.

Funds are typically transferred instantly to your Mobile Money or bank account.

Kratos Pay™ is currently available in Cameroon and DR Congo, with expansion planned to other partner countries.

Watch the demo

Watch the video on YouTube

Soft POS

QR Payment

Accept payments via interoperable static or dynamic GIMACPAY QR codes · No terminal required

Payment link

Share a payment link via SMS, WhatsApp, or email; the customer pays in a matter of seconds, using their preferred payment method.

Push notification

Receive an instant notification for each payment received

Interoperabe merchant code

A unique, interoperable GIMAC PAY merchant code to facilitate your payments across the entire CEMAC region.

Instant payment

Instant, secure and traceable payment · Bill and service payments included

Sales & Payments Tracking

Merchant Portal

Merchant Portal to view all your transactions in real time

Detailed reports

Detailed reports: sales volume, frequency, customer profiles

Multiple Payment Collection Methods

Collect payments effortlessly with our static and dynamic QR codes, interoperable GIMAC PAY merchant code, payment links, and Cash-In API.

Mass payment

Mass payment: send funds to hundreds of recipients in one click

Supplier payment

Supplier payment · Manage your B2B obligations from the dashboard

Accounting export

Exportable history for accounting: Excel and PDF export

Integration & APIs

Cash-In APIs

Multi-country collection APIs (Cash-In) · Coverage: Cameroon, DRC, and partner countries

Cash-Out APIs

Cash-Out distribution APIs · Transfer to Mobile Money or bank account

Status tracking

Real-time transaction status tracking · Webhooks for automatic notifications

Sandbox

Sandbox (test): test your integration without real money · Free and immediate access

Documentation

Clear and simple documentation with dedicated technical support · Code examples available