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Full detail: Where this data comes from
Wave is a Dakar, Senegal-headquartered mobile money company on a mission to "make Africa the first cashless continent." Founded by Drew Durbin and Lincoln Quirk (previously the founders of the Sendwave remittance service) and publicly launched in Senegal in 2018, Wave provides a smartphone- and agent-based wallet that lets users deposit and withdraw cash for free and send money domestically for a flat 1% fee — roughly 70% cheaper than the telco-led mobile money incumbents in the region. Wave operates today in Senegal, Côte d'Ivoire, Uganda, Mali, Burkina Faso, and The Gambia, working through a dense network of human agents alongside the Wave app and a separate Wave Business portal for merchants and enterprises. In September 2021, Wave raised a USD 200M Series A led by Sequoia Heritage, Founders Fund, Stripe, and Ribbit at a USD 1.7B valuation — the largest Series A ever raised on the African continent at the time.
For developers, Wave exposes a tier-1 B2B platform via api.wave.com, documented at docs.wave.com, spanning Checkout (hosted payment sessions), Payout (single and batch disbursements with reversal and recipient verification), Balance & Reconciliation (wallet balance, transactions, refunds), Aggregated Merchants (sub-merchant CRUD for PSPs and aggregators), and Webhooks (HMAC-SHA256-signed events). API keys are scoped per-API, support IP allowlisting and optional request signing, and the platform enforces idempotency on POST mutations.
URL: Visit APIs.json
- Mobile Money, Payments, Fintech, Financial Inclusion, Africa, West Africa, Senegal, Cote d'Ivoire, Uganda, Mali, Burkina Faso, Wallets, Disbursements, Checkout, Payouts, Money Transfer
- Created: 2026-05-24
- Modified: 2026-05-24
Hosted payment session API for accepting one-off payments from Wave wallet users. Create a checkout session, redirect the customer to the returned wave_launch_url, then receive a checkout.session.completed webhook (or poll the session) once payment succeeds. Supports success_url/error_url redirects, client_reference correlation, restrict_payer_mobile phone-locked payments, and aggregated_merchant_id for PSPs. Includes session retrieval, search by transaction_id or client_reference, refund, and explicit expire.
Human URL: https://docs.wave.com/checkout
Base URL: https://api.wave.com
Programmatic disbursement API for sending money from a business wallet to individual Wave wallets identified by E.164 mobile number. Supports single payouts, payout batches, payout reversal, payout lookup by id or client reference, and a verify_recipient pre-flight check. All POST requests require an Idempotency-Key header for safe retries. Used for bulk payroll, gig economy payouts, marketplace seller settlement, humanitarian cash transfer, and out-of-band refunds.
Human URL: https://docs.wave.com/payout
Base URL: https://api.wave.com
Read-side API for inspecting a business wallet's current balance and enumerating transactions for accounting and reconciliation. GET /v1/balance returns the live wallet balance (optionally aggregated across subaccounts); GET /v1/transactions returns a paginated, time-ordered list of transactions for a given day; POST /v1/transactions/:id/refund reverses a received payment including any fees. Forward cursor pagination via first/after.
Human URL: https://docs.wave.com/balance-api
Base URL: https://api.wave.com
Sub-merchant management for aggregators, payment service providers, and platforms accepting Wave payments on behalf of many downstream businesses. Full CRUD over aggregated merchant records — list, create, retrieve, update, delete — with the resulting aggregated_merchant_id attached to Checkout and Payout calls so funds and reporting flow to the correct underlying merchant.
Human URL: https://docs.wave.com/aggregated-merchants
Base URL: https://api.wave.com
Outbound event delivery channel for asynchronously notifying merchant systems when state changes on the Wave platform. Events include checkout.session.completed, checkout.session.payment_failed, b2b.payment_received, b2b.payment_failed, merchant.payment_received, and test.test_event. Every delivery carries a Wave-Signature header containing a Unix timestamp and one or more HMAC-SHA256 signatures over the raw body; receivers must validate the signature and reject deliveries older than five minutes to prevent replay. Event payloads use a Stripe-style envelope (id, type, data).
Human URL: https://docs.wave.com/webhook
Base URL: https://api.wave.com
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FN: Kin Lane Email: kin@apievangelist.com