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Multi-currency wallet
Hold several currencies, deposit, withdraw and exchange, with every movement in one history and live balances.
New: in-store sales for merchants, terminals and stronger account protection
Move, manage and grow money with confidence.
Wongate brings multi-currency wallets, transfers, remittance, cards, Wongate Pay checkout, in-store sales, supported crypto, P2P trading, merchant tools and agent cash services into one secure platform.
✓ Multi-currency wallets✓ Two-factor by app, SMS or WhatsApp✓ Web, installable PWA & mobile app
🔐 Two-factor & PIN
🪪 KYC, AML & sanctions checks
⚡ Real-time balances
🌍 Cross-border services
🌓 Light & dark mode
What you can do
A complete money workspace, organized around real needs.
Services are grouped by the job they do. What you see depends on your account type, country, verification level and the services your provider has switched on.
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Transfers & remittance
Send to any Wongate user in seconds, request money, save recipients, and send abroad through supported corridors with tracking.
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Cards & QR payments
Use virtual cards online, scan a QR code to pay a merchant or another user, and keep spending in view.
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Crypto wallet
Receive and send supported digital assets on supported networks, with addresses, confirmations and fees shown before you approve.
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P2P, escrow & marketplace
Trade with other verified users, hold funds in escrow until both sides agree, and buy from approved vendors, with disputes handled in-app.
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Earn & plans
Put idle balance to work with Wallet Earn plans, and pick a subscription plan with higher limits in your own currency.
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Recharge & gift cards
Top up mobile airtime, send designed gift cards with a personal message, and create or redeem vouchers.
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Agent cash in & out
Turn cash into wallet balance, or wallet balance into cash, at a nearby Wongate agent. Show your QR at the counter and confirm on your phone.
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In-store sales for merchants
Turn your phone into a till: add products, scan barcodes, open a shift and take cash or Wongate wallet payments, with a receipt you can share.
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Bills & cash access
Pay electricity, water, phone and internet bills from your wallet, and withdraw cash at an ATM with a one-time code instead of a card, as these services launch in your area.
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Payment devices
Merchants and agents can add their Wongate terminals, check which are online, and lock or report a device straight from the app.
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Wongate Pay checkout
Pay online stores with your Wongate wallet in a few taps, or accept those payments yourself as a merchant.
What's new · November 2026
The latest updates to Wongate.
New tools for merchants and agents, a safer sign-up, and the services we are getting ready to launch.
Sell in store with Wongate POS
Run your shop from the Wongate app: set up stores and tills, add products and stock, scan barcodes and take cash or wallet payments. The customer pays by scanning a QR code.
Shifts, receipts and returns
Open and close shifts with a cash count, record cash in and out, share receipts by message or email, handle returns and refunds, and see daily sales and low-stock reports.
Manage your payment devices
Add your Wongate terminals to your account, see which ones are online, lock a device remotely and report it if it is lost.
Safer sign-up and passwords
Stronger passwords (8–16 characters with upper and lower case, a number and a symbol) and checks on names and email addresses keep fake accounts out.
Pay your bills
Pay electricity, water, phone and internet bills straight from your wallet and get your receipt or token instantly, as billers join in your country.
Cardless ATM and tap to pay
Withdraw cash at partner ATMs with a one-time code from the app, and let customers pay by card or phone tap at your till, as our bank and card partners go live.
Earlier in October
Redesigned app and dashboard
A cleaner home screen with your wallet card, spending and income at a glance, a weekly chart and a bottom menu. Choose light, dark or follow your device.
Codes by WhatsApp or SMS
Verify your phone and receive one-time codes on WhatsApp or by SMS, in addition to email.
More two-factor choices
Protect sign-in with an authenticator app, email, SMS or WhatsApp codes, plus your 6-digit Wongate PIN for payments.
Wongate Pay
Online checkout, invoices and payouts, with a safe test mode before you go live, all managed from the merchant dashboard.
Faster counter cash-out
Customers show a QR code at the agent counter. The agent scans it, the customer confirms, and the cash is paid out.
Limits in your currency
Plan limits now count balances and payments in every currency you hold, converted at current rates, so switching plans is simple.
Built for every role
One platform. Three focused workspaces.
Personal users, merchants and agents share the same trusted platform, each with the tools for the work they do.
Personal
Everyday money, in one account.
- Wallets in several currencies
- Send, request and remit
- Cards, QR pay and gift cards
- Bill payments (coming soon)
- Crypto, P2P and Wallet Earn
Merchant
Get paid online and in person.
- Wongate Pay checkout and invoices
- Payment links and QR
- API keys, sandbox and webhooks
- Sales history, reports and payouts
- In-store POS app and terminals
Agent
Serve customers at your counter.
- Cash in and cash out
- Counter QR and request queue
- Float wallet and daily totals
- Commission on every operation
- Manage your payment devices
Security by design
Controls that follow the money.
Every payment passes verification, limits and risk checks before it moves, and every change to a balance is recorded.
✓Two-factor sign-in by authenticator app, email, SMS or WhatsApp
✓6-digit Wongate PIN to approve payments, with lockout after wrong tries
✓Identity verification (KYC) with tiered limits; business checks (KYB) for merchants
✓Fraud, AML and sanctions screening on money movements
✓Device and session control, new-device alerts and automatic sign-out of idle sessions
✓Protection against forged requests, script injection and automated sign-ups
One financial home
Use it wherever you are.
The same account works in the browser, as an installable app (PWA) on your phone or desktop, and in the Wongate mobile app.
3account types: personal, merchant, agent
Web · PWA · Appone account everywhere
Light & darkpick a mode or follow your device
In-app supportopen a ticket from your dashboard
Developer Center
Build payment experiences with Wongate Pay.
Approved merchants get API keys from their dashboard. Never use public-page links as credentials, and never share your secret key.
Signed API requests
Every call carries your API key, a timestamp and an HMAC signature. Idempotency keys stop double charges on retries.
POST /api/v1/payments
X-API-Key: pk_live_…
X-Signature: hmac-sha256
Idempotency-Key: order-1042
X-API-Key: pk_live_…
X-Signature: hmac-sha256
Idempotency-Key: order-1042
Checkout, invoices & webhooks
Create a payment and send the customer to hosted checkout, or email an invoice. Signed webhooks tell your server when it is paid, refunded or cancelled.
Merchant sign in →Sandbox first
Test the full flow with sandbox keys before going live. When you are ready, switch to production in the merchant dashboard.
Register as a merchant →Email integration support →
Start with the services you need.
Open an account in minutes, or connect your business to Wongate. Services shown depend on your account type, verification and what is available in your country.