Setting Up WaafiPay Payments (EVC Plus, WAAFI, Zaad, Sahal)

WaafiPay is a single payment gateway that aggregates Somalia's mobile wallets — EVC Plus (Hormuud/Golis), WAAFI, Zaad (Telesom), and Sahal — behind one API. Instead of connecting each wallet separately, AskBiz sends a single request through WaafiPay and it routes to whichever wallet your customer holds.

Go to POS > Payments and select your country as Somalia. Unlike Paystack or Stripe, WaafiPay has no self-serve credential API — there's no instant onboarding form. Submitting the setup form registers your business and marks your account pending; AskBiz support then follows up to complete activation once you have a merchant agreement in place with WAAFI HQ or one of its partner branches (Telesom, Zaad, Golis). Your account shows Pending until credentials are attached.

Once activated, selecting Mobile Money at checkout for a Somali merchant shows a wallet picker — EVC Plus, WAAFI, Zaad, or Sahal — instead of a single M-Pesa-style option. Pick the wallet the customer uses, enter their phone number, and confirm. The customer approves the payment on their phone (USSD or app), the same way an M-Pesa STK push works.

WaafiPay processes in Somali Shilling (SOS) or US Dollars (USD) — many Somali businesses price and settle in USD. AskBiz records whichever currency your merchant account is configured for so your reports and receipts stay consistent.