Coming Soon — Card payments are not yet available. This page describes the planned feature. Contact sales@simiz.io for early access.
Simiz lets you accept card payments (Visa, Mastercard, American Express) in addition to Mobile Money. You keep your unified Simiz integration and dashboard — Simiz orchestrates the card side through a PCI DSS Level 1 compliant partner.
You do not have to store card numbers or undergo a PCI audit yourself. Card data never touches your servers.

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Use cases

  • Your customers include an international clientele without Mobile Money
  • You run a premium e-commerce where average basket justifies card cost (typically higher than Mobile Money)
  • You need card-based recurring subscriptions (tokenisation on the partner side)

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How to activate card payments

Settings → Account → Payment Methods → Cards in your dashboard. Activation triggers:
  1. An additional account verification (per the card partner’s requirements)
  2. An addendum to your Simiz contract covering card terms
  3. Activation of the card API routes once verification is approved

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Fees

Card fees are separate from Mobile Money fees:
  • Network fees (Visa / Mastercard / AmEx) — directly passed to the network
  • Processing partner fees — displayed separately
  • Simiz orchestration fee — your standard Simiz rate
Details appear in each transaction and in your monthly invoices.

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Security

  • 3D Secure is enabled by default on all card transactions (enhanced customer authentication)
  • Card data is tokenised on the partner side; what Simiz stores is an abstract identifier
  • PCI DSS Level 1 compliance guaranteed by the processing partner

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Known limitations

  • No support for unidentified prepaid cards in some zones
  • No support for digital wallets (Apple Pay, Google Pay) at this time
  • Geographic availability by corridor — check with sales@simiz.io for your case

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API integration

The payment_method object accepts "card" in addition to existing Mobile Money values. See the API reference for body details.
If you are new to Simiz, set up Mobile Money first (simpler KYC, lower fees in the CFA zone) and only add cards if you see clear customer demand.