The transaction lifecycle
If something goes wrong, a transaction can instead move to Disputed, where our mediation team reviews evidence and decides on a refund, release, or split.
For Sellers / Vendors
Register as a vendor
Message the FiapPay bot and type Register. The bot instantly issues you a unique vendor code, this identifies your business on every payment link you create.
Add your MoMo payout number
Send your 9-digit Mobile Money number (MTN MoMo or Orange Money). The bot looks up the registered account name and asks you to confirm by replying YES. This is the number where your payouts will land, make sure it's correct.
Number Requirements: Your WhatsApp number must have 9 digits (for example, 6 76 24 08 39). Numbers with 8 digits are not supported. For payments, your WhatsApp number must be linked to an active MTN MoMo or Orange Money account from which funds will be debited. This requirement does not apply to vendor accounts, as vendors may link a different mobile money account to their profile. However, we strongly advise vendors to use 9-digit WhatsApp numbers linked to an MTN MoMo or Orange Money account if they intend to make payments in the future. FiapPay does not support float payments at this time.
Create a bill
Once you and your buyer have agreed on the price, type Bill 50000 (replace 50000 with your agreed amount in FCFA). The bot calculates the buyer's total and your guaranteed payout, then generates a secure WhatsApp payment link.
💰 Payment link generated for 51,250 FCFA (buyer charge).
Upon successful delivery, your guaranteed payout: 48,750 FCFA.
Forward this link to the buyer ↓
The example above shows a 50,000 FCFA item: the buyer pays 2.5% more (51,250) and you receive 2.5% less (48,750). See Pricing for the full breakdown.
Forward the link & ship on confirmation
Send the link to your buyer. As soon as they pay, the bot notifies you that funds are locked in escrow. Now you can ship with total confidence, the money is guaranteed and waiting. When the buyer confirms delivery, your payout is sent instantly and automatically.
For Buyers
Tap the payment link
The seller sends you a FiapPay link on WhatsApp. Tapping it opens a chat with the bot showing exactly what you'll pay. You'll then receive an official MTN or Orange Money prompt on your phone to approve the payment with your own secret MoMo PIN, which you enter only on your network's official screen, never to FiapPay.
On your Mobile Money statement, the debit will appear under TAKWID GROUP (CamPay), our licensed aggregator, not FiapPay or Los Bebes Inc.
Receive your secret Release PIN
Once your payment is locked in escrow, the bot sends you a confidential 4-digit Release PIN. Keep it private. This PIN is your power, the seller cannot get paid until you choose to share or enter it.
Inspect, then release
When your item arrives, inspect it carefully. If everything is as agreed, type Release 4821 (your PIN) to the bot. Funds are sent to the seller instantly. Only release once you're satisfied, this action is final and cannot be reversed.
If something goes wrong: Disputes
If the item never arrives, is broken, or is materially different from what was agreed, the buyer can type Dispute 4821 (the PIN) instead of releasing. This locks the transaction for mediation, the funds stay safely held, and both parties plus a FiapPay admin are notified immediately.
Our local mediation team reviews evidence from both sides (photos, delivery receipts, chat screenshots) and issues a fair decision: full release to the seller, full refund to the buyer, or a partial split. We do not take sides.
🔐 Built-in anti-fraud protection
If too many incorrect PINs are entered on a transaction, FiapPay automatically locks it and flags it for admin review, protecting your funds from anyone trying to guess your PIN.
Bot command reference
| Command | Who | What it does |
|---|---|---|
Register | Seller | Sign up and receive your vendor code. |
Bill 50000 | Seller | Create a payment link for the agreed amount (FCFA). |
Release 4821 | Buyer | Release escrowed funds to the seller after delivery. |
Dispute 4821 | Buyer | Lock the transaction and open mediation. |
Menu / Help | Anyone | Show the interactive menu and command list. |
FiapPay speaks English and French, switch anytime from the menu. The bot also offers tappable buttons, so you don't have to remember exact commands.