The payment API built
for student builders in Cameroon.
StarterPay lets you accept real Mobile Money payments in your apps. Funds are held by a verified escrow partner until the deal is done, then released straight to your Mobile Money account.
Compliance exists for good reason.
It just wasn't built for someone still
testing an idea.
Verifying who's moving money protects everyone. But at the stage most students are at, meeting that bar yourself isn't realistic yet.
The rules exist to protect everyone
Payment regulations and KYC aren't obstacles — they're safeguards. The system is doing what it's supposed to do. The issue is when it has to apply.
You can't validate what you can't charge for
Building a product is one thing. Proving people will pay for it requires actually accepting payment — and that's where the process stalls.
It's a timing problem, not a talent one
What holds student builders back isn't a lack of skill or ambition. It's that no formal business structure exists behind them yet.
Waiting quietly kills momentum
Every week stuck in paperwork limbo is a week your idea loses energy, your users lose interest, and your window gets smaller.
You build the app.
We handle the part that isn't yours to solve.
StarterPay never holds your buyer's money. Funds are held by a verified escrow partner until our verification conditions are met, that's between us and you, your customer never sees it.
You build your app
Digital products students actually sell, courses, AI tools, generated reports, anything delivered instantly inside your app.
We verify you once
A short check before you get access, so real money only ever moves through builders we've confirmed.
Your customer pays with Mobile Money
Payment happens instantly, no delay on their side. Behind the scenes, funds are held by our escrow partner until our own checks clear.
Funds are released to you
Once those checks pass, payout goes straight to your Mobile Money number.
A new way to build trust in payment,
not just move money.
Anyone can move money instantly. Almost nothing checks who's actually on the other end of it.
Escrow adds that check back in. Every builder is verified before real money touches their account, funds pass through a review before they move, and unusual patterns get caught before payout, not after. It's a real mechanism, not just a claim that you can trust the app you're paying.
Start prototyping for free.
Scale legitimately as you grow.
No corporate registration (RCCM/NIU) required to get started. Process up to 250,000 XAF in cumulative sales, then graduate seamlessly when your venture proves market demand.
For prototyping, testing USSD checkout flows, and developing in your dorm room without touching real money.
- 0 documents required to start
- Instant scoped test API key (
sk_test_sp_...) - Automated USSD simulator (
670000000auto-confirm) - Real-time dashboard tracking & webhook events
Start collecting real Mobile Money from customers. Payouts are released directly to your registered MTN or Orange MoMo wallet.
- Copy of National ID card (CNI or Passport)
- Live selfie of yourself
- Project description (what you are building)
- Platform or business name
- Live project URL
- School / University Student ID (or tuition receipt)
For student startups that have validated product-market fit, outgrown student limits, and are ready for formal commercial volume.
- Unlocked once cumulative sales cross 250,000 XAF
- Formal business registration (RCCM)
- Taxpayer ID number (NIU)
- Direct commercial operator limits (2.5M+ XAF)
Every payout deducts a flat 4% fee: 3.0% goes to our underlying escrow custody partner pool (Fonlok) and telecom carrier transfer fees, and 1.0% goes to StarterPay for student compliance and developer tools. You keep 96%.
Stop waiting for registration.
Start accepting real payments in minutes.
Join student builders across Cameroon launching digital products, apps, and platforms with instant Mobile Money escrow.