Accept card payments in Togo

~9M

population; a mobile-money-first market

T-Money + Flooz

the two main mobile money wallets

XOF

the CFA franc, pegged to the euro

BCEAO

the regional central bank for the monetary union

Sources: BCEAO and provider disclosures, 2024–2025.

How Togo pays

Togo pays with mobile money. T-Money from Togocom and Flooz from Moov Africa are the everyday wallets for transfers, bills and shop payments, while cash still covers much of daily spending. Card ownership is concentrated among banked, urban buyers, with cards issued by local banks on Visa, Mastercard and the regional GIM-UEMOA network.

Togo is part of the West African monetary union, so it uses the CFA franc, which is pegged to the euro, and its banks are supervised by the regional central bank, the BCEAO. For a merchant, the value is a clear starting point: international cards and express wallets behind one integration, 3DS on card-not-present payments, and retries across acquirers, with CFA franc pricing and FX handled for you.

Why merchants run on us here

Cards and wallets live today

International card acquiring and the express wallets, available now.

How Togo pays

T-Money and Flooz carry everyday payments, so cards reach the banked segment.

Diaspora-ready

Togolese abroad pay with foreign-issued cards, so routing by card origin matters.

Euro-pegged pricing

Price in XOF and settle in your base currency, with FX handled for you.

Payment methods

Cards

Visa

Mastercard

American Express

Discover

Diners Club

JCB

UnionPay

Buy Now, Pay Later

Sandbox BNPL

Digital wallets

PayPal

Express checkout

Apple Pay

Google Pay

Link

Gateways

Sandbox BNPL

PayPal

Airwallex

Stripe

Adyen

Unlimit

Worldpay

Checkout.com

Authorize.net

MPGS

Cybersource

Sandbox Gateway

Airwallex (Enterprise)

Braintree

CommerceHub

Fiserve

NMI

Nuvei

Orbital

Built for enterprise

Everything it takes to run payments in Togo

Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Togo like any other market in your stack.

One integration, growing local coverage

Connect once for what's live in Togo today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.

Local acquiring, higher approvals

We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.

Settlement, FX & repatriation

Collect in the West African CFA franc (XOF) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.

Licensing handled locally

We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.

Payouts & reconciliation

Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.

Fraud, disputes & compliance

Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.

Ready to launch in Togo?

Talk to our payments team about going live in Togo — coverage, local acquiring, settlement and timelines for your business.

Talk to our payments team Read the docs