Fintech · Dakar, Senegal
Digitalpayments,rethought
For over fifteen years SenPay has been building the components of electronic payment in West Africa: terminals, mobile wallets, loyalty and business software. From card to QR code, from the counter to the phone.
CardOil is live on Google Play
What we do
Business software, built to fit
We don't assemble off-the-shelf blocks. Every deployment starts from the ground: the merchant, and how money actually moves through their counter.
Card payment solutions
Card acceptance and secure transaction handling, from the terminal to the authorisation server, meeting network requirements.
Electronic wallet
Prepaid accounts, top-ups, transfers and spending limits. The component that powers CardOil and our enterprise deployments.
Loyalty programmes
Points, balances, promotional campaigns and customer tracking, wired directly into the payment flow.
Technical support
First and second line support, fleet monitoring, on-site intervention in Dakar and the regions.
Software development
Mobile apps and web back-offices built in-house and integrated with your existing systems.
Audit and advisory
Payment architecture review, transaction flow analysis and compliance support.
Terminal fleet management
Deployment, remote configuration, updates and maintenance of the terminals installed at your merchants.
Mobile payment
Mobile payment, made simple
Cash costs time at every checkout and traceability at every month's end. Our solutions move acceptance to where the customer already is: their phone.
- Modernise and secure checkout procedures across partner networks, without changing how they work day to day.
- Combine speed, reliability and security — a transaction settles in seconds and appears in reporting to the second.
Hardware
Spectratech payment terminals
We distribute and integrate the Spectratech range, from the countertop terminal to the self-service kiosk.
S1 PLUS
Accepts every payment method — contact, contactless and QR code, on an EMV base. Its versatility makes it the default choice for most points of sale.
- UseCountertop
- ConnectivityGPRS · Wi-Fi
- PrintingBuilt in
Smart POS S1
Spectra's latest: a slim Android terminal, supplied with its countertop dock and printer.
- SystemAndroid
- ScreenTouch
- ApplicationsMulti-app
S1 Self-Service Payment
Built to run with nobody behind it: Spectra's S1 holds up in fully unattended environments.
- UseUnattended
- InstallationFixed
- PaymentCard · QR
Our products
Better digital solutions
Three products published by SenPay, in production, built on the same payment infrastructure.
CardOil Payment System
The app that turns a phone into a fuel card: real-time balance, QR code payment at the pump and loyalty points. Available on Google Play.
Visit cardoil.ioSoftPOS
The merchant's phone becomes the terminal. No hardware to roll out, no fleet to maintain — accepting payment takes minutes to set up.
Loyalty application
Balances, points and promotional campaigns wired into payment. Designed for food service, retail chains and fuel station networks.
Back office
Everything runs from one screen
Behind every application sits an administration console: transactions, individual and corporate customers, terminal fleet, purchase orders, stations, pricing, loyalty campaigns. Access is set by role and by permission, down to field level.
- TransactionsReal-time tracking, search, export
- CustomersIndividual and corporate accounts kept apart
- TerminalsFleet, assignment, per-device status
- AccessAccounts, roles and permissions per module
Our partners
The players we work with, whose services are integrated into our solutions.
Let's talk about your payment project
Tell us how money moves through your business today. We'll come back with a technical read and a quote.