JumiaPay
JumiaPay is a payment gateway developed by Jumia to simplify the way customers handle online payment across Africa. The platform is designed to optimize the checkout process and ensure that every transaction is completed securely. As one of the most popular payment gateways in emerging markets, JumiaPay allows businesses to accept payments through a wide range of payment methods like debit and credit cards, mobile money payments, and even POS solutions.
The platform supports various payment methods that give customers flexibility to pay using their preferred method. Whether it is Mastercard, MTN mobile money, or bank transfer, JumiaPay ensures efficiency of online transactions while keeping sensitive customer information safe. This reliable payment gateway is like a secure bridge between merchants and buyers, reducing the chances of customers abandoning their purchases during checkout.
By focusing on trust and confidence, JumiaPay also offers cashback and discounts for Jumia customers, making it one of the best payment solutions for business growth and expansion in the region.
| Characteristic | Details |
|---|---|
| Regions | Egypt, Nigeria, Ghana, Côte d'Ivoire, Kenya, Morocco, Uganda |
| Getting started | Free signup via online form |
| Payment methods accepted | Debit/credit cards, bank transfer, mobile money, PayPal, cash-on-delivery |
| Fraud & Risk management | PCI DSS compliant, fraud detection engine |
| Accepted Currencies | NGN, EGP, XOF |
| Set up type | Plugin integration, API/SDK |
| Recurring Billing | Supported |
| SDK Stacks | Plugins for major e-commerce platforms |
| Settlement time | Next business day domestic settlement |
| Payouts support | Merchant account payouts via settlement |
| RegionsEgypt, Nigeria, Ghana, Côte d'Ivoire, Kenya, Morocco, Uganda | |
| Getting startedFree signup via online form | |
| Payment methods acceptedDebit/credit cards, bank transfer, mobile money, PayPal, cash-on-delivery | |
| Fraud & Risk managementPCI DSS compliant, fraud detection engine | |
| Accepted CurrenciesNGN, EGP, XOF | |
| Set up typePlugin integration, API/SDK | |
| Recurring BillingSupported | |
| SDK StacksPlugins for major e-commerce platforms | |
| Settlement timeNext business day domestic settlement | |
| Payouts supportMerchant account payouts via settlement |
Pros
- Wide range of payment options, including mobile money and COD
- PCI DSS compliance and fraud detection features
- Real-time merchant dashboards and reporting
- Next-day settlements improve cash flow
- Simple onboarding and integration with e-commerce platforms
Cons
- Frequent complaints about failed transactions and OTP errors
- PCI DSS compliance and fraud detection features
- App instability and glitches after updates
- Refund and withdrawal issues reported by users
- Limited public transparency on fees and commissions
Why JumiaPay Is Considered the Best Payment Gateway in Kenya
The JumiaPay payment gateway simplifies the process of accepting and sending payments. It supports a wide range of payment options, including debit and credit cards, bank transfers, and mobile money payments. Customers can effortlessly pay using Mastercard or other popular methods during checkout, and merchants gain detailed insights and analytics into their customer details and transactions. By offering multiple payment methods, JumiaPay reduces manual errors and enhances the efficiency of online payments.
This gateway supports a wide range of businesses—from small merchants in Nigeria to large e-commerce platforms in Kenya. It allows businesses to accept payments online with confidence in your Shopify store or other platforms like Moodle, making it versatile and scalable. For physical clients, JumiaPay also offers cash-on-delivery and bulk payment services, creating a gateway that allows businesses to reach customers who prefer traditional methods.
How to Use
To start with JumiaPay, merchants can register online and create a payment gateway account. The platform supports easy integration with various plugins and APIs, ensuring quick onboarding. Customers can pay using their preferred method—whether it’s debit, credit, or mobile money—at checkout. The gateway optimizes the checkout process, making it quicker and reducing the chances of customers abandoning their purchases.
For businesses, JumiaPay offers tools for invoicing, recurring billing, and new payment options. Jumia also offers cashback and discounts for Jumia customers who complete the purchase through the app. By choosing a payment gateway like JumiaPay, companies enhance the efficiency of online transactions and gain trust from clients.
Review
JumiaPay positions itself as one of the most popular payment gateways in Africa and is often compared with Flutterwave, Pesapal, Kopokopo, and other reputable payment gateways. While users appreciate the wide range of payment options and cashback offers, research reviews highlight issues with failed transactions, OTP errors, and refund delays.
Despite these challenges, JumiaPay business tools help merchants simplify operations. The payment gateway is like a digital processor that supports credit cards, debit payments, and mobile money. For Kenyan merchants, JumiaPay has become a Kenyan payment gateway that supports growth in both online and offline markets. It is increasingly recognized as the best payment gateway in Kenya for merchants seeking secure and reliable payment solutions.
Safety
Security is critical in any payment gateway, and JumiaPay follows industry-standard security protocols, including PCI DSS compliance and payment verification. It protects customer details and transactions by encrypting credit card details and other sensitive customer information. While some users reported issues with failed transactions and delays in refunds, Jumia has improved its fraud detection engine to reduce risks.
The gateway supports local and international regulations and is licensed in Nigeria. It also works with MTN, banks, and other processors to ensure compliance. JumiaPay enhances the efficiency of online transactions by reducing errors and ensuring that customers can pay using their preferred method safely. By doing so, the platform builds trust and confidence, making it a secure and reliable payment gateway.
Account Fees
JumiaPay does not disclose detailed fees publicly. This makes it attractive to small merchants seeking payment solutions without high setup costs. It also offers cashback and discounts for Jumia customers, making it more appealing compared to other popular payment gateways.
For Business
JumiaPay business services are focused on supporting merchants through a payment gateway that allows businesses to accept payments quickly. The platform supports various methods, including debit, credit, mobile money, and POS. By integrating JumiaPay, merchants gain payment information, invoicing tools, and confidence in their transactions. This makes it one of the reputable payment gateways that supports business growth and expansion.
Which Type of Business
This gateway supports a wide range of industries. From digital services to retail shops, JumiaPay simplifies online payment processing and ensures smooth checkout. The platform is also used by companies in Nigeria and Kenya, positioning itself as a reliable payment gateway for your online store.
For Physical Clients
For physical clients, JumiaPay supports mobile money payments, debit card-on-delivery, and bulk payment services. Customers can pay bills, top up airtime, and complete the purchase with ease. This gateway is like a digital bridge that simplifies payments and makes it versatile across different customer groups.
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FAQ
Can I get an instant refund if something goes wrong?
Yes. JumiaPay holds payments in escrow until confirmation of delivery. If an issue occurs, the platform initiates refunds quickly. While most refunds are processed almost instantly, some users have experienced delays, especially during high-volume periods.
What if I don’t receive my OTP during checkout?
An OTP is normally sent instantly via SMS or email. In cases where it does not arrive, network issues or app glitches may be the cause. Users are advised to retry the process or contact support. This remains one of the most common user complaints.
How secure is JumiaPay?
JumiaPay is PCI DSS compliant, licensed by regulators, and supported by a fraud detection system designed to protect billions of transactions. Despite this, issues with failed payments and delayed refunds have been reported. The platform continues to invest in monitoring and stricter transaction validation to improve security.
Are there setup or annual fees for businesses?
Publicly available information suggests there are no setup or annual fees. This makes JumiaPay attractive for small and medium-sized businesses. However, the lack of transparent commission rates can create uncertainty for larger merchants.
What types of businesses benefit the most from JumiaPay?
E-commerce merchants, digital service providers, and utility companies are the main beneficiaries. With support for both online and offline clients, JumiaPay adapts well to Africa’s mixed financial landscape. It allows businesses to reach both banked and unbanked customers effectively.
