Unified Payment Gateway API for African Mobile Money Services

Opportunity: The developer is working on a SaaS application and is specifically looking for a way to integrate popular West African mobile money providers like Orange Money and WAVE. This is a clear, developer-focused challenge. Navigating the individual APIs, documentation, and compliance requirements for multiple, country-specific mobile money services can be a real headache. There's a strong SaaS opportunity here for a "Stripe for African Mobile Money."

Product Form: This would be a B2B SaaS platform offering a Payment Gateway API. The core product is a single, well-documented API that connects to numerous mobile money platforms (Orange Money, WAVE, MTN Mobile Money, etc.) across West Africa and potentially the entire continent. The service would handle the backend complexity of integrating with individual providers, processing transactions, disbursing funds, and ensuring compliance. This would allow developers and businesses to easily accept mobile money payments with just one integration. Key features would include developer SDKs, a merchant dashboard for analytics, and simplified payout management.

Expected Revenue: The revenue model would be transaction-based, which is standard for payment processors. This would likely involve a small percentage fee (e.g., 2-3%) plus a small fixed fee per transaction. Given the massive and rapidly growing volume of mobile money transactions in West Africa, the revenue potential is huge. Even capturing a small fraction of the market could quickly turn this into a multi-million dollar ARR business, much like the success seen by broader African payment platforms like Paystack and Flutterwave.