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Morapay is a payments platform for businesses and people moving money between local rails (mobile money, bank, local QR) and crypto. Merchants accept checkout; the app and partners can send, receive, and bridge corridors such as Ghana GHS and LATAM pesos via Stellar USDC.

Businesses sign in at business.morapay.io to open a merchant dashboard, create API keys, and go live after KYB. Individuals use the Morapay app at app.morapay.io. There is no signup button in the marketing footer — start from the product you actually need.

Read the Quickstart on docs.morapay.io, install @morapay/sdk, and create a TEST API key from Dashboard → Developers. Never put a secret key (sk_*) in a browser, mobile app, or checkout bundle.

Create a payment link or session from the dashboard or Merchant API. Share the checkout URL. The payer can pay with supported fiat methods or crypto; Morapay confirms the payment and notifies you with webhooks plus dashboard status.

Live corridors include Ghana GHS mobile money and Nigeria NGN bank rails, plus selected LATAM fiats (for example BOB) that settle as Stellar USDC into the platform pool. Exact rails depend on your account, KYB tier, and the quote returned at checkout.

After the inbound payment is confirmed on-chain or on the local rail, Morapay runs the configured settlement path (for example MoMo payout, bank, or crypto). Status moves through pending → confirmed → paid or failed. Prefer webhooks; poll status only as backup.

Merchant API requests use Morapay-Key, Morapay-Timestamp, and Morapay-Signature (HMAC). Webhook deliveries include Morapay-Signature over the raw body. Verify signatures before you credit an order. Use Idempotency-Key on create/execute/confirm so retries are safe.

Know Your Business review is required before live payouts and higher limits. Submit company details from the business portal. We may ask for extra documents. TEST keys work before KYB is complete; LIVE keys and real money movement follow approval.

On pesos→GHS (and similar) flows, execute with the Ghana receiver phone and legal name. After crypto is confirmed to the Morapay ops pool, we pay GHS via our MoMo partners. Name mismatch can block payout — use the name on the MoMo wallet.

Yes when Pollar onramp is live: execute returns a local-rail QR (PAY_LOCAL_FIAT). The payer scans it in their banking app. USDC is delivered to Morapay’s Stellar ops wallet. We then confirm on Horizon and send GHS MoMo. If QR is unavailable, you still get a Stellar USDC payment instruction (destination, amount, memo).

No. Keep Pollar sessions on your side if you host your own QR. Morapay only needs the Stellar destination, amount, memo from execute, then confirm with the Stellar transaction hash (or we auto-confirm on the hosted QR path).

The Stellar USDC leg must be at least 3 USDC (same floor as our GHS/NGN sell rail). Quotes below that return BELOW_MINIMUM — increase the source amount.

In the Morapay app, open Activity from the wallet menu. Merchant history lives in the business dashboard and via the transactions API. The marketing site does not store a 24-hour guest ledger.

Use Request a token on this site. Include symbol, chain, and contract or mint if you have it. We review liquidity, compliance, and checkout demand before listing. You’ll get an email if we need more detail.

Consumer wallets connect through wallet providers (for example Dynamic / Freighter). Merchant settlement uses platform ops wallets for corridor liquidity — not your customer’s seed phrase. Never share recovery phrases with anyone, including people claiming to be Morapay support.

Check status in the app or dashboard first. If a transfer is still pending after the usual window, contact us with the reference, wallet address, and transaction hash. Do not send a second payment until we confirm the first one failed.

Merchant pricing is quoted per corridor, volume, and rail — not a public SaaS grid. Contact hi@morapay.io or use the contact form and we’ll send a breakdown for your use case.

Use the contact form (we email hi@morapay.io and our support inbox, and you get a confirmation). You can also write hi@morapay.io or support@morapay.io. Include ticket IDs, checkout codes, or Stellar hashes so we can find the transfer quickly.