The electronic money payment solution for marketplaces, crowdfunding platforms and collaborative economy

API-money is an electronic money payment solution from W-HA, a 100% subsidiary of the Orange group and approved by the ACPR as an Electronic Money Establishment.

We offer a suitable solution for collaborative platforms or Marketplaces, compliant with regulations and the European Payment Directive (DSP2), in particular with regard to collection management on behalf of third parties.

In addition, our European passport in more than 30 countries allows you to guarantee the security of the funds collected on users’ wallets.

Acquisition Et Emission Des FluxAcquisition And Issuance Of Flows

Bank cards, SEPA transfers, SEPA direct debit

Cantonnement Des Fonds

Cantonment Of Funds

Protection of funds collected in an escrow account

Gestion De La Fraude

Fraud Management

Flow monitoring and KYC

An electronic money payment solution adaptable to your business


API-money is an electronic money management solution which provides all payment services, manages KYC obligations and covers against the risks of fraud. Thus, we provide you with an efficient payment solution which also optimizes the conversion rates.


Acquisition and issuance of transactions
Multi-currency payment
Transfer between wallets and refund management
Collection of management fees and commissions
Acquisition et émission des transactions


No VAD contract
Collection on behalf of third parties
Compliance with European regulations


Cantonment of funds
Anti-fraud engine
KYC management

Personalized payment flows


Create payment flows adapted to your ecosystem thanks to our fully white label solution and take advantage of the flexibility of our technology to build the user journey you need.

Segregate funds for as long as necessary and transfer them easily thanks to our e-wallet management and our payment system.

We also take care of executing payment orders to beneficiary accounts.


A payment solution designed for developers


API-money is an optimized payment platform that includes the integration of payments into the user journey and the automation of the KYC process.

So we offer an API designed for developers, who can rely on complete online technical documentation to implement the optimal approved payment solution for marketplaces, crowdfunding platforms and collaborative economy.

Versioned API

Technical documentation

Test environment (sandbox)

Simplified technical integration


API-money est une solution opérée par W-HA, filiale du groupe Orange et agréée Etablissement de Monnaie Electronique