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Payment links · no code

Get paid in 30 seconds, from anywhere.

Create a payment link from your phone. Share it on TikTok, Instagram, WhatsApp or SMS. Your customers pay without leaving the conversation.

Create my first link → Watch a demo
✓No website required ✓iOS & Android PWA ✓Direct MoMo payout
09:41●●● ▮
New link×
📷
Glow cream 100ml
5 000XAF
Publish & copy link
pay.cowemapay.com/k/3a9z✓
♪
TikTok bio2.3k followers
WhatsApp · 14 contactsLink shared in DM
+
+ 5,000 XAF receivedAïcha · MTN MoMo
Why links

The fastest way to get paid.

No more website, POS, or gateway needed. You create, you share, you get paid — from your phone.

30 seconds per link

Photo, name, price. The link is generated and copied in one click. Faster than sending a WhatsApp message.

One link, every channel

The same link works on TikTok, Instagram, WhatsApp, Facebook, SMS, email. No restrictions.

Merchant PWA

iOS and Android mobile app. Product catalog, transactions, withdrawals — all from your pocket.

Direct MoMo payout

Funds arrive on your Mobile Money account within 2 to 5 business days. 0% payout fees.

Real-time tracking

Push notifications on every payment received. Dashboard with clicks, conversions, sales by channel.

Unlimited catalog

Create as many links as you want. Reuse links, change prices, archive products — all in one click.

In three steps

From idea to payment received, in under a minute.

The typical experience of a merchant selling from her TikTok or Instagram story.

1 Create

Open the merchant PWA

Product photo, name, price. The link is generated in 30 seconds and automatically copied to the clipboard.

2 Share

Paste the link wherever you want

TikTok bio, Instagram story, WhatsApp message, Facebook post. The link opens the checkout directly in the customer's browser.

3 Cash in

Receive on your Mobile Money

The customer pays in two taps via MTN MoMo or Airtel Money. You get a real-time notification. Automatic payout.

New payment link Publish
✎
Glow cream 100ml
5 000XAF
unlimited
pay.cowemapay.com/k/3a9z Copied ✓
M
marie.beauty.cg
2.3k followers
✨ glow routine — my secrets below ↓
pay.cowemapay.com/k/3a9z
Hi babe, here is the link for the cream ✨ pay.cowemapay.com/k/3a9z
14:02 ✓✓
marie.beauty.cg
Story
My 23-year-old
routine
Glow cream 100ml 5 000
♡⧁↗

My cash-in

Live
Received today
22 500XAF
↑ 4 payments received
M Aïcha MboungouGlow cream 100ml +5 000 just now
A Jean-Marc K.Face care routine +12 500 14 min
M Carine N.Glow cream 100ml +5 000 38 min
For whom

Built for merchants on social media.

Influencers, creators, resellers, small businesses — wherever selling happens by message or story.

African beauty creator filming a routine
● BEAUTY & COSMETICS
Routine creators

Sell your products from your TikTok tutorial videos or Insta stories.

African fashion merchant presenting outfits
● FASHION & STYLE
Clothing merchants

Post the photo, add the link. Buyers pay without DM back-and-forth.

African hairdresser or beautician at work
● SERVICES
Hairdressers, beauticians

Deposit links to book. Payment links for the balance after service.

African cook preparing a dish
● FOOD
Home cooks

Dish catalog, order via WhatsApp, instant payment on MoMo.

Platform
iOS PWA
+ Android
Installable like a native app. Works offline to consult your history.
Supported channels
TikTok · Insta
WhatsApp · SMS
The same link works everywhere. No setup, no per-channel restriction.
Merchant fees
2.5% per sale
No signup fees. No subscription. No MoMo payout fees.
Payout
2–5 business days auto
To your MTN MoMo or Airtel Money account. Manual option available from the PWA.

Your first sale
this week.

Free signup in 5 minutes from your phone. Account validation within 24 business hours. First link created right after.

Create a merchant account → See the customer checkout