Accept payments from anyone.
Accept card and mobile-money payments, send invoices, generate payment links, and launch your own business website — all from one dashboard. MTN MoMo is live in sandbox; Orange Money and Wave are planned.
Everything you need to get paid.
26 merchant capabilities, all on one stack. Pick what fits your business — no matter the size.
Mobile Money Collection
Accept MTN MoMo payments today — Orange Money and Wave coming. Customers pay from their mobile wallet; funds settle to your account on the provider settlement cycle.
Payment Links
Generate shareable payment links for invoices, online orders, or one-time charges. No website required.
Invoicing
Create and send professional invoices with built-in MoMo payment buttons. Track payment status in real time.
Analytics & Reporting
Volume trends, revenue charts, provider breakdown, success rates, invoice analytics, and custom date ranges. Export as CSV or PDF.
Batch Payroll
Pay employees and contractors in bulk. Upload CSVs, save templates, set recurring schedules (weekly, bi-weekly, monthly), and track every payment with automated receipts.
Webhook Management
Register webhook endpoints, filter by event type, rotate secrets, send test events, and inspect delivery logs — all from the dashboard.
Fee Preview
Preview exact transaction fees before processing. Transparent pricing with no hidden charges — see your net amount upfront.
POS & QR Payments
Point-of-sale terminal management with QR code acceptance. Serve customers in-store with the same rails as online.
Self-Service KYB
Register your business and complete Know-Your-Business verification without waiting on a rep. Move from sign-up to your first sandbox transaction in minutes.
API Keys & Dev Tools
Generate, rotate, and revoke API credentials with a 24-hour grace window. Build custom integrations on top of your merchant account.
Staff & Roles
Delegate with control. Granular roles for Manager, Cashier, and Viewer — with audit trails on every staff action.
Recurring Billing
Charge your customers on a recurring schedule — weekly, monthly, or any custom cadence. Manage subscription cycles, retries, and cancellations from the dashboard.
Equipment Rentals
Built-in asset catalog, quotes, agreements, and booking holds — ideal for construction, event, and equipment-rental merchants.
Marketplace Connectors
Sync products, customers, and invoices with Shopify, WooCommerce, QuickBooks Online, and Xero. Reconciliation and dashboards stay in step without manual exports.
MoMo Preapprovals
Collect a one-time customer approval and then debit their mobile wallet on demand — no PIN re-entry per charge. Mandate lifecycle (create, query, cancel) is managed from the dashboard.
Customers & Rate Sheets
Maintain a customer book with per-customer rate sheets, deposit waivers, and pricing overrides. Quotes and invoices apply customer-specific terms automatically.
Two-Factor Auth
Protect merchant accounts with passkey (WebAuthn), TOTP authenticator apps, and SMS OTP. Enforce 2FA across the team from settings.
Disputes & Chargebacks
Track disputed transactions, attach evidence, and respond inside the dashboard. Provider notifications surface as actionable workflow items.
Tax & VAT
Per-customer tax exemptions, country-aware default rates, and VAT-compliant invoices. Tax totals roll up into analytics and statements.
Refunds
Issue full or partial refunds on completed wallet transactions with reason codes, and review the full refund-history ledger — all from the dashboard.
Audit Log
An append-only record of business-level events on your merchant account — for compliance, traceability, and dispute support.
Payouts
Track upcoming settlements, the per-provider payout schedule, and your historical payout buckets — funds settle on the provider cycle.
Statements & Exports
Monthly summaries by currency, with VAT/GST-friendly CSV exports for accountants and a print-ready PDF for filing.
Danipa Sites
Get a real business website — not just a CMS. Pick from 15 industry templates (restaurant, salon, travel, fitness, law, couture, and more), set your colours, logo, and copy, and publish to your own address on danipa.com — all from the same dashboard, no developer and no separate login. Author and update the content yourself, and pay a flat fee in Canadian dollars, or in Cedis over MoMo, on the same invoice as your payments. Bring-your-own domain is available on request.
Booking Inquiries
Capture booking inquiries, send quotes, collect deposits, and sign contracts in-house — with a full audit trail on every signature — then track earnings, all from the dashboard. (In-house e-sign with an audit trail; not a qualified/eIDAS e-signature.)
Co-Owners
Bring co-owners onto a single business account instead of juggling separate logins. The ownership backend is live in sandbox; the dashboard experience is still coming together.
A real business website — on the same invoice.
Most small businesses juggle a payments provider, a website builder, and two separate bills. On Danipa, your website is a merchant capability: pick from 15 industry templates, set your colours, logo, and copy, and publish to your own address on danipa.com — no developer, no separate login.
You author and update the content yourself, bookings flow straight into your dashboard, and the flat fee is billed in Canadian dollars, or in Cedis over MoMo — on the same invoice as your payments. Bring-your-own domain is available on request.
The tier you pay to run the platform.
Pick the Danipa tier that fits your business — Free, Growth, Scale, or Enterprise — priced in your local currency. This is what you pay Danipa to run the platform; not to be confused with billing your own customers.
Billing currencies: GHS · USD · CAD. Sandbox is free and lets you run the full surface — webhooks, POS, payroll — before you flip a single tier.
Your Danipa Plan.
One merchant. One account. Every line of business.
Most payment platforms assume one business per account. Real small businesses don't work that way. A construction-rentals yard adds a guesthouse for visiting crews. A restaurant adds a spa upstairs. A salon adds a retail line on the side.
Danipa Merchant lets a single business sell across as many verticals as it operates — rentals, lodging, restaurant, spa, retail — all from one merchant account, one wallet, one reconciled ledger. No separate logins, no separate settlements, no spreadsheet to glue it together at month-end.
Rentals
Equipment, vehicles, deposits, agreements.
Lodging
Rooms, nightly rates, folio billing.
Restaurant
Tabs, tips, split checks — POS-backed.
Spa & Services
Bookings, packages, recurring memberships.
Differentiator vs. Stripe · Square · Flutterwave
One yard, multiple lines of business.
A&P Construction Rentals runs the platform's first multi-vertical merchant account — equipment rentals first, with guesthouse lodging and on-site catering joining the same wallet as the yard, arrived from Ontario, is set up in Ghana.
Same business verification (KYB), same staff roles, same payouts. The wallet is the ledger; verticals are facets of one merchant identity, not separate accounts to reconcile.
Pilot manifest.
Built by enterprise engineers with decades of payment experience.
We understand what merchants need — speed, reliability, and simplicity. Tier-1 bank rigor and startup velocity in the same wallet.
Start accepting payments today.
Set up your merchant account in minutes. Our team will help you get started.