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💬 Support

How can we help?

Answers to common questions about sending money, fees, and your account. Can't find what you need? Our team is available 24/7.

🔍 Use Ctrl+F (or ⌘+F on Mac) to search this page for keywords. For complex issues, contact our support team directly.
54
Countries
8
Payment Rails
24/7
Support
GH
HQ · Accra

🚀 Getting Started

Account Types

👤

Individual

Send money, register an @handle, pay bills, and top up airtime. No business registration required — just a phone number and a government-issued ID.

🏪

Merchant

Everything Individuals get, plus: payment links, subscriptions, payroll, savings groups, team members, API access, and a full merchant dashboard.

🤝

Agent

Run cash-in / cash-out operations, manage your float, earn commissions, and service customers who prefer to transact in person.

Creating your account
Visit afrilinkpay.com and click Get Started. You'll need a valid phone number and a government-issued ID (national ID, passport, or driver's licence). Basic identity verification completes in under 2 minutes. Once verified, your wallet is active and ready to send.

To register as a Merchant, navigate to the Merchant portal and complete the merchant sign-up form with your business details. Merchant accounts enter a short review period before activation (typically 1–2 business days).

Agent accounts are created through the Agent portal and require assignment to a merchant or direct onboarding by the AfriLink team.
No. AfriLink Pay is mobile-money first. Fund sends directly from M-Pesa, MTN MoMo, Airtel Money, or Orange Money without a bank account. Recipients can also receive directly to mobile wallets — no bank account required on either end for most corridors.
The AfriLink Pay web app is fully mobile-responsive and installable as a Progressive Web App (PWA) on Android and iOS. Tap your browser's Add to Home Screen option to get an app icon with offline support. Native Android and iOS apps are in development and expected in Q4 2026.
AfriLink Pay supports all 54 African Union member states. Fully live corridors include GH↔NG, GH↔KE, and NG↔KE. On the send form, corridors with live settlement are marked with a green dot; amber indicates a 24–48h settlement window via banking partners.

Dashboard Overview

Merchant Dashboard

21 sections covering: transactions, payment links, subscriptions, FX rates, payroll, savings groups, team management, API integrations, bills, KYC, and more.

Agent Dashboard

9 sections: overview, transactions, send money, QR codes, KYC, team management, commissions, float management, and help.

Individual Portal

Send and receive money, view transaction history, manage your @handle, pay bills, top up airtime, and access your account settings.

💸 Sending & Receiving Money

The AfriLink Pay send flow is a 4-step wizard: choose your corridor (from/to country) → select a payment rail → enter receiver details → confirm amount and fees. The exact rate and fee are shown before you confirm — no hidden charges.

Supported Payment Rails

📱

Mobile Money

M-Pesa, MTN MoMo, Airtel Money, Orange Money, and 300+ operators. Typically settles in 30 seconds to 5 minutes, 24/7.

🏦

Bank Transfer

Direct to bank accounts across 54 countries. Most corridors settle in 1–2 business days; same-day available on select routes.

💳

Card

Fund transfers using Visa or Mastercard. Powered by Paystack and Flutterwave hosted checkout.

👜

Wallet

Send and receive within your AfriLink Pay wallet balance. Instant settlement between AfriLink accounts.

🏧

Cash Pickup

Recipient collects cash at an agent location. Ready within 15 minutes of payment confirmation. Collection code sent by SMS.

📷

QR Code

Scan-to-pay at merchant locations. Offline-capable — works without an active internet connection at point of sale.

🔗

Payment Links

Share a payment link via WhatsApp, SMS, or social media. Recipients pay through a hosted checkout page — no AfriLink account required to pay.

Transfer questions
Mobile money to mobile money: 30 seconds to 5 minutes, 24/7 including weekends and public holidays.

Bank transfer to bank account: 1–2 business days in most corridors. Some same-day corridors settle within 2 hours.

Cash pickup: Ready for collection within 15 minutes of payment confirmation. Recipient gets a collection code via SMS.

Wallet to wallet: Instant.
pending — Payment received, queued for settlement with the destination provider.

processing — Actively being settled with the provider. Cancellation is no longer possible.

completed — Funds delivered. The recipient has received the money.

failed — The transfer could not be completed. Funds are returned to your source. See your transaction detail for the failure reason.

If a transfer stays pending for more than 4 hours (mobile money) or 48 hours (bank transfer), contact support@afrilinkpay.com with your transaction ID.
If the transfer is still pending, open your transaction history, tap the transfer, and use the Request Cancellation button. Our team attempts to stop it within 30 minutes. Once a transfer reaches processing, cancellation is not guaranteed and depends on the provider.
Mobile money: Recipient phone number and mobile money provider (e.g. M-Pesa, MTN MoMo).

Bank transfer: Recipient's full name, bank name, account number, and routing/sort code where required.

AfriLink Identity: Just the recipient's @handle (e.g. @amara) — destination is resolved automatically.
AfriLink Pay applies a small FX spread (typically 0.5–1.5% above mid-market rate) on cross-currency transfers. This is displayed transparently before you confirm:

send amount × exchange rate − fee = recipient receives

We never show a rate and then execute at a different one. The rate is locked for 30 seconds after you click Confirm — if the confirmation takes longer, the rate is refreshed and you see the updated quote before proceeding.
Limits are set by your KYC verification tier:

Tier 1 (phone verified): $200 / month equivalent.
Tier 2 (ID verified): $1,000 / month equivalent.
Tier 3 (full KYC + proof of address): $5,000 / month equivalent.
Business accounts: Custom limits set after compliance review.

Some destination countries impose additional receiving limits by local regulation (e.g. Bank of Ghana single-transfer caps). These are shown on the send confirmation screen.
Common reasons:

KYC tier limit: Transfer amount exceeds your verified tier. Upgrade your KYC to increase limits.
Fraud protection: Our risk engine flagged unusual activity. Contact support to review.
Provider outage: The destination mobile money or bank provider is temporarily unavailable. Try again after 30 minutes or choose an alternate rail.
Regulatory block: The corridor is restricted by a regulatory authority in your country or the destination.

The decline reason is shown in your transaction history. Email support@afrilinkpay.com with the transaction ID for manual review.

🔗 Payment Links & Subscriptions

Payment links let you collect money from anyone — even people who don't have an AfriLink account. Subscriptions add recurring billing on top of payment links.

Payment links
From your Merchant dashboard, go to Payment Links → Create Link. Set a title, the amount (or leave open for the payer to enter), currency, and an optional expiry. Click Create — you'll receive a unique URL like afrilinkpay.com/checkout?link=abc123. Share this link via WhatsApp, SMS, email, or embed it in your website.
When a payer opens your payment link, they see a hosted checkout page with your business name, the amount (or an amount input if you left it open), and the available payment rails for their location. They choose a rail, enter their payment details, and confirm. No AfriLink account is required to pay.

Once payment is confirmed, your merchant dashboard updates in real time and you receive a notification.
In your Merchant dashboard, go to Subscriptions → Create Plan. Set a plan name, billing cycle (weekly / monthly / yearly), and amount. Each plan gets a shareable pay link. When a customer opens the link and pays, they are enrolled in the subscription. Subsequent billing cycles are handled automatically. Customers can cancel by contacting you or through a self-service link included in their receipt.
Yes. From Transactions, find the completed transaction and click Refund. Enter the refund amount (partial or full) and a reason. Refunds are typically processed within 1–5 business days depending on the original payment rail.

🫙 Savings Groups (Susu / Esusu)

AfriLink Pay supports traditional rotating savings groups — known as Susu in Ghana, Esusu in Nigeria, and by many other names across Africa. A group organiser creates the group and shares a join link. Members contribute on a schedule and the pot rotates to one member each cycle.

Managing savings groups
In your Merchant dashboard, go to Savings → Create Group. Set a name, contribution amount, contribution frequency (weekly / bi-weekly / monthly), and the cycle length (how many rounds before the group closes or resets). Once created, you'll receive a join link to share with members.
Members open the join link and follow the instructions to enroll. Once enrolled, they receive contribution reminders at the start of each cycle. Contributions can be made via any supported payment rail. The organiser dashboard shows each member's contribution status for each cycle.
Payouts follow the order set by the organiser (or a random selection if not manually set). When the cycle closes, the accumulated pot is paid out to the designated member via their preferred payment rail. The organiser initiates the payout from the Savings dashboard.

🧾 Payroll

Run payroll disbursements to employees or contractors across Africa — directly from your Merchant dashboard.

Running payroll
Go to Payroll → Run Payroll in your Merchant dashboard. You can:

Upload a CSV with columns: Name, Phone, Amount, Note — one row per employee.

Manual entry — add employees one at a time.

After reviewing the totals and fees, click Disburse. Each employee receives a notification (SMS or WhatsApp) when their payment lands.
CSV 
Name,Phone,Amount,Note
Kofi Asante,+233201234567,500.00,August salary
Ama Owusu,+233209876543,450.00,August salary
  • Name — recipient's full name
  • Phone — international format with country code (e.g. +233...)
  • Amount — numeric, in the disbursement currency
  • Note — optional reference shown on the recipient's receipt
Failed individual payments are flagged in the payroll run summary — they do not stop the rest of the disbursements. Review failed payments in the Payroll history and retry them individually. The most common cause is an incorrect or inactive phone number.

🪪 AfriLink Pay Identity (@handle)

Your AfriLink Pay Identity is a permanent @handle — a short payment address (like @amara) tied to your preferred wallet, bank account, or mobile money number. Share it instead of a phone number or bank details.

Registering and using @handles
Individuals (no account required): Visit the @handle registration section on the AfriLink homepage. Enter your desired handle, your name, a government-issued ID, and your phone number. Your personal pay link (afrilinkpay.com/pay/yourhandle) is active immediately.

Merchants and Agents: Go to Pay Identity in your dashboard. Choose a unique handle (3–30 characters; letters, numbers, and underscores only), link it to your preferred payment destination, and save.
Tier 1 (Individuals): 1 handle.
Tier 2 (ID verified Merchants): Up to 3 handles.
Tier 3 (Full KYC Merchants): Unlimited handles.

Multiple handles let businesses operate separate pay links for different products, departments, or sales channels.
On the send form, in step 3 ("Who receives it?"), enter the handle in the Send to AfriLink Identity field — for example, @amara. Click Resolve (or press Enter). AfriLink looks up the handle, shows the recipient's display name and country, and auto-fills the payment destination. Alternatively, visit afrilinkpay.com/pay/handle to pay via the public page.
Handle transfers are not currently self-service. Contact support@afrilinkpay.com if you need to transfer a handle to another verified AfriLink account. Both parties must be verified and consent to the transfer.
Yes. When you resolve a handle, AfriLink reads the recipient's country and preferred currency. Your currency is converted at the live FX rate and routed to the recipient's preferred rail — you don't need to know where they bank or which mobile money provider they use. Fees and exchange rates are displayed before you confirm.

⚡ Bills & Airtime

Bill payments and top-ups
From your Merchant dashboard, go to Bills. Select the bill type (electricity, water, internet, TV/DSTV, etc.), enter the account number, and confirm the amount. Bill payments are processed immediately and you receive a receipt with a confirmation reference number.

Merchants can also configure recurring bill payments for common utilities.
In the Bills section, select Airtime. Enter the recipient phone number (can be your own number or someone else's), choose the mobile network, and enter the top-up amount. Airtime is typically delivered within 30 seconds. Supported networks vary by country — the available options are shown based on the phone number's country code.

🏧 Agent Float & Cash Operations

Float management
Float is the working balance an agent holds to service cash-out requests from customers. When a customer wants to withdraw cash, the agent pays them from their float and recovers the equivalent in their digital AfriLink balance. Maintaining sufficient float is critical for smooth operations — you cannot cash out customers beyond your float balance.
Cash-in (agent receives cash from customer): Customer gives agent physical cash. Agent enters the amount in the Float dashboard → Cash In. Customer's AfriLink wallet or mobile money account is credited, and the agent's digital balance increases by the same amount.

Cash-out (agent gives cash to customer): Customer requests cash withdrawal. Agent enters the amount → Cash Out. Customer's account is debited, agent receives the equivalent in their digital balance and gives the customer physical cash.
When your float drops below the alert threshold you set, you receive a low-float alert via SMS and push notification. You cannot process cash-out requests that exceed your current float balance. Top up your float via the Float → Top Up section in the Agent dashboard — transfer funds from your mobile money or bank account.
Agents earn a commission on each transaction processed. Commission rates are set by the merchant or network operator and vary by transaction type and volume. View your earned commissions and pending payouts in the Commissions section of your Agent dashboard. You can request a payout once your commission balance exceeds the minimum threshold.

🪪 KYC & Verification

Identity verification
AfriLink Pay is a regulated financial services platform. Under Anti-Money Laundering (AML) regulations across Ghana, Nigeria, Kenya, and the other countries we operate in, we are required to verify the identity of users before they can send money. Higher verification tiers unlock higher transaction limits and additional features.
Tier 1 (phone verification): Valid phone number + OTP confirmation. No documents required.

Tier 2 (ID verification): A government-issued photo ID — national ID card, international passport, or driver's licence. Upload a photo of the front and back.

Tier 3 (full KYC): ID document + a recent proof of address (utility bill, bank statement, or official government letter dated within 90 days).

Documents are reviewed within 1–3 business days. You receive an email or SMS notification when approved.
Tier 1: $200/month send limit, 1 @handle (individuals), basic account features.
Tier 2: $1,000/month send limit, up to 3 @handles (merchants), full merchant dashboard access.
Tier 3: $5,000/month send limit, unlimited @handles (merchants), access to team management, payroll, and advanced compliance features.
Business accounts: Custom limits negotiated with our compliance team.

🔐 Security

Protecting your account
Go to Account → Security → Two-Factor Authentication. We support TOTP authenticator apps (Google Authenticator, Authy, 1Password) and SMS OTP. We strongly recommend TOTP over SMS — it works offline and is phishing-resistant. Once enabled, your 6-digit code is required on every login and on large transfers.
Step 1: Go to Account → Security → Lock Account. This freezes all outbound transfers immediately.

Step 2: Email security@afrilinkpay.com with your registered phone number and a brief description of what happened. Our security team operates 24/7.

Step 3: Report via our fraud reporting page.

Unauthorised transfers initiated within the last 30 minutes can often be reversed. Act quickly.
On the login screen, tap Forgot PIN / Password. We'll send a one-time code to your registered phone number. Enter the code, set a new PIN or password. If you no longer have access to your registered number, contact support@afrilinkpay.com with a selfie holding your ID for manual account recovery.
Go to Account → Privacy → Delete Account and confirm with your PIN. We process deletion requests within 30 days. Note: AML regulations require us to retain transaction records for a minimum of 5 years regardless of account deletion. Personal data not required for regulatory compliance is purged immediately.

🛠️ API & Developer Tools

Building with AfriLink Pay
Create a Merchant account and complete at least Tier 2 KYC verification. Your API key is available in Merchant → Integrations → API Keys. Use the key in the x-merchant-api-key header on all API requests.
cURL 
curl -X POST https://afrilinkpay.com/api/pay \
  -H "x-merchant-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "fromCode": "GH",
    "toCode": "NG",
    "rail": "mobile_money",
    "amount": 500,
    "currency": "GHS",
    "receiver": "+2348012345678",
    "receiverName": "Chidi Nwosu",
    "senderName": "Kofi Mensah"
  }'
Returns: { "success": true, "transactionId": "...", "status": "pending", "provider": "..." }
In Merchant → Account Security → API Key Rotation, click Generate New Key. Choose a grace period (0, 1, 4, 12, or 24 hours) during which your old key continues to work. This lets you update your integrations without downtime. After the grace period, the old key is permanently invalidated.
Configure your webhook URL in Merchant → Integrations → Webhooks. AfriLink will POST a JSON payload to your URL for every payment status change. Events are signed with an HMAC-SHA256 signature in the x-afrilink-signature header — verify this before processing. Retry logic: failed webhook deliveries are retried with exponential backoff (1m, 5m, 15m, 1h, 24h).
The default rate limit is 120 requests per 60 seconds per API key. Exceeding this returns HTTP 429. For higher limits, contact support@afrilinkpay.com with your expected traffic volume.
Include the AfriLink Pay SDK script and add a data attribute to any button:
HTML 
<script src="https://afrilinkpay.com/sdk/afrilink.js"></script>

<button
  data-afrilink-pay
  data-merchant-key="YOUR_API_KEY"
  data-amount="100"
  data-currency="GHS"
  data-description="Order #1234">
  Pay with AfriLink
</button>
The widget renders a native modal with full payment rail selection for the customer's location. See the full developer documentation →
AI Agent Payments let you authorise AI systems (Claude, ChatGPT, or custom automations) to send money on your behalf. You define which rails the agent may use, a per-transaction auto-approve threshold, and a daily spending cap. Anything above the threshold requires a human-in-the-loop approval link sent to you before any money moves.

Register agents in Merchant → AI Agents. Each agent receives a one-time token (agt_…) — store it securely. Agents can be paused or revoked instantly.

🏗️ Admin & Compliance (Business Accounts)

Team and compliance management
Go to Merchant → Team → Add Member. Enter the new member's name and email. Assign them a role:

Owner — full access to all sections.
Manager — access to transactions, payment links, team, pay identity, and settings. Cannot change API keys.
Support — read access to transactions and messages only.
Viewer — read-only dashboard access.

The new member receives a temporary password by email. They log in via the Team Login tab on the Merchant portal.
The AfriLink Pay Regulator Portal provides central bank and financial authority representatives with read-only, country-scoped visibility into transaction flows and merchant KYC records on the AfriLink network. Access is provisioned by the AfriLink compliance team. Contact compliance@afrilinkpay.com for regulatory access requests.
SARs are managed through the Admin compliance team. If you suspect a transaction or account involves money laundering, fraud, or other financial crime, report it via our fraud reporting page or email compliance@afrilinkpay.com directly. Our AML team reviews all reports within 24 hours.
AfriLink Tap — NFC Wearables
AfriLink Tap lets you link any NFC-capable wearable or tag — sticker, ring, band, card, keychain, or watch — to your AfriLink @handle. When a customer taps the wearable with their phone, their browser opens and lands on your payment page instantly. No app required, no POS machine needed.
Any NFC tag that supports NDEF URI records works — which is essentially all consumer NFC tags. This includes:
  • Stickers (NTAG213/215/216 — the most common type)
  • Smart rings (NFC-enabled rings)
  • Wristbands & fitness bands
  • NFC business cards
  • Keychains and fobs
  • Smartwatches with NFC
AfriLink Tap uses plain URL-based NFC (NDEF) so there's no proprietary reader, no EMV tokenisation needed, and no special hardware required.
  1. Make sure you have an AfriLink @handle (Pay Identity) — register one in Merchant → Pay Identity.
  2. Go to Merchant → NFC Tags and click Register Tag.
  3. Select your handle and tag type. A unique Tap URL (e.g. afrilinkpay.com/tap/TG3F8A1B2C) is generated.
  4. Program that URL onto your physical tag using the AfriLink Tap programmer (Chrome on Android) or any NFC writing app (NFC Tools, NFC TagWriter, etc.).
  5. Done! Customers tap the tag → browser opens → payment page.
No app needed. Tapping opens the phone's default browser and navigates to the payment page. It works on any Android or iPhone that supports NFC tag reading (Android since 4.0, iPhone since iPhone 7 on iOS 11+).
Chrome on Android (89+): visit /wearables, paste your Tap URL, and hold the tag to the back of your phone. The Web NFC API writes the URL directly.

iPhone / other browsers: use a free NFC writing app such as NFC Tools or NFC TagWriter by NXP. Add a new URL record and write your Tap URL (found in Merchant → NFC Tags → your tag row).
Each physical tag has one Tap URL, and each Tap URL resolves to one @handle. You can update which handle a tag points to at any time from Merchant → NFC Tags → Edit, without re-programming the physical tag.
Yes. Register a tag with POST /api/wearables (merchant API key) and resolve a tap with the public endpoint GET /api/tap/:tagId. See the full API reference at /developers.

🎁 Gift Cards

AfriLink Gift Cards are vouchers backed by real wallet balance. When you issue a gift card, the amount is immediately debited from your wallet. When the recipient redeems it, the amount is credited to their wallet. Gift cards can be issued and redeemed by individuals, merchants, and agents.

Issuing gift cards
From any AfriLink dashboard — Wallet, Merchant, or Agent — navigate to Gift Cards → Issue Card. Enter the amount, currency, and optional settings (PIN, handle lock, personal message). The amount is instantly debited from your wallet balance, and you receive a unique code (AFL-XXXX-XXXX-XXXX-XXXX) plus a QR code. Save the code immediately — it is shown only once.
Maximum amounts depend on your KYC verification tier:

Tier 0 (unverified): Up to $50 equivalent per card.
Tier 1 (Basic KYC): Up to $500 equivalent per card.
Tier 2 (Standard KYC): Up to $5,000 equivalent per card.
Tier 3 (Premium / EDD): Unlimited.

A maximum of 10 gift cards can be issued per wallet per 24-hour period.
Yes. When issuing, toggle PIN Protection and enter a 4-digit PIN. The recipient must enter this PIN when redeeming. This adds an extra layer of security for high-value or sensitive gifts.
Yes. Enable Lock to @handle and enter the recipient's AfriLink handle (e.g. @amara). Only that user will be able to redeem the card. If someone else tries to redeem it, they will be blocked even with the correct code.
The full amount is immediately debited from your wallet when you issue the card. If you cancel an active (unredeemed) card, the amount is credited back to your wallet. Expired cards are not automatically refunded — contact support if you believe an expired card should be refunded.
Redeeming gift cards
Navigate to Gift Cards → Redeem in any AfriLink dashboard. Enter the code (AFL-XXXX-XXXX-XXXX-XXXX) manually or scan the QR code. If the card has a PIN, enter it when prompted. The card amount is instantly credited to your wallet.
Yes. Every gift card includes a QR code. In the AfriLink wallet app, tap the camera/scan button and point it at the QR code — the code is automatically filled in and verified. The QR is cryptographically signed and cannot be tampered with.
Any AfriLink user — individual, merchant, or agent — can redeem a gift card, unless it is locked to a specific @handle. Cross-type redemption is fully supported: an agent can redeem a card issued by an individual, and vice versa.
Expired cards cannot be redeemed. The card issuer should contact support@afrilinkpay.com with the card prefix and their account details to request a manual review and potential refund.
For merchants and agents
Yes. In Merchant → Gift Cards → Bulk Issue, enter the number of cards (up to 100), amount, and currency. All cards in the batch are issued simultaneously and can be downloaded as a CSV. Ideal for promotions, loyalty rewards, and event giveaways.
Yes. Agents can issue gift cards from their dashboard, debited from their agent wallet. This is useful for agent cashback programs — for example, issuing a small gift card as a reward to customers who top up above a certain threshold.
You can cancel any active (not yet redeemed) gift card you issued. Go to Gift Cards → My Cards, find the card, and click Cancel. The balance will be returned to your wallet. Redeemed or expired cards cannot be cancelled.

💬 Contact & Support

🇬🇭
AfriLink Pay Ltd. — Headquartered in Accra, Ghana. We are a Ghanaian company building pan-African payments infrastructure. Our registered office is in Accra, with operations teams in Lagos and Nairobi.
✉️

Email support

support@afrilinkpay.com
Response within 4 hours, 24/7.

💬

Telegram

@afrilinkpay_bot
Instant automated help, escalates to a human agent.

📞

WhatsApp

+233 20 000 0001
Available 8am–10pm WAT daily.

🔒

Security

security@afrilinkpay.com
For account compromise and urgent security issues.

⚖️

Compliance

compliance@afrilinkpay.com
Regulatory inquiries, SARs, and regulator access.

🚨

Report fraud

Report suspicious activity →
Urgent fraud cases handled immediately.

Response Times

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