Local payments
Paying Kreafy from an African mobile account: supported operators, the flow, renewal, incidents.
Kreafy accepts African local payment methods alongside cards. You pay from your phone, in local currency, with no card and no bank account.
These payments go through KPay, our payment processor. You never leave Kreafy: the request arrives on your phone, you approve it with your operator PIN.
Supported operators
MTN MoMo is only one operator among others. The catalogue covers 23 operators across 12 countries.
| Country | Operators | Currency charged |
|---|---|---|
| Benin | MTN MoMo, Moov Money | XOF |
| Cameroon | MTN MoMo, Orange Money | XAF |
| Congo | Airtel Money, MTN MoMo | XAF |
| Côte d'Ivoire | MTN MoMo, Orange Money | XOF |
| Gabon | Airtel Money | XAF |
| Kenya | M-Pesa | KES |
| Uganda | Airtel Money, MTN MoMo | UGX |
| DR Congo | Vodacom M-Pesa, Airtel Money, Orange Money | CDF |
| Rwanda | Airtel Money, MTN MoMo | RWF |
| Senegal | Free Money, Orange Money | XOF |
| Sierra Leone | Orange Money | SLE |
| Zambia | Airtel Money, MTN MoMo, Zamtel Kwacha | ZMW |
Kreafy prices are expressed in XAF and converted on the fly into your operator's currency, at the day's rate supplied by the processor. The exact amount is shown to you before you approve.
Paying, step by step
- From Billing → Plans (or a credit pack), pick your item then Local payments.
- Select your operator from the list. The country and the currency follow from it.
- Enter your number. The shape does not matter:
6 XX XX XX XX,06 …and+237 6 …all reach the same account. - Check the converted amount shown, then start the payment.
- A request arrives on your phone. Enter your operator PIN to approve it.
- The waiting screen updates on its own. Your credits arrive as soon as the operator confirms.
Your number and your operator are remembered to pre-fill the next purchase. Nothing else is kept.
No automatic renewal
This is the structural difference with a card: no recurring charge exists in local payment. A locally paid subscription is a one-off payment that opens a 30-day right.
Without a new payment at the due date, the account returns to the Free plan. Unused subscription credits are lost; your packs and granted credits stay yours.
30 days, and not "a calendar month": the right is sold by duration, so that somebody who subscribed on 31 January does not lose three days because February is short.
What Kreafy sends
| When | Message |
|---|---|
| 2 days before the due date | "Time to renew", with the payment link for your tier |
| At the due date, unpaid | "Your subscription has ended", with the same link |
These links open the payment page for your tier directly, without going back through the plan and operator selection.
Renewing by hand
Two routes:
- the Locally paid subscription card on the Billing page, Renew button;
- the link received by email.
Renewing opens a new 30-day period and replaces the subscription credit pot. Whatever is left from the current period is not carried over: renew at the end of a period, not in the middle.
When it fails
No amount is debited until you approve on your phone. The most frequent rejections:
| Message | What to do |
|---|---|
| Payment limit reached | Retry the next day, or from another number |
| Account not found | Check the number and the selected operator |
| Request declined on the phone | Start again and approve with your PIN |
| Insufficient balance | Top up the account, then start again |
| Request expired | Start again: nothing was debited |
| A request is already pending | Approve it or wait for it to expire |
| Service temporarily unavailable | Retry in a few minutes |
Every payment carries a reference shown on screen. Keep it: that is what support will ask for in case of a dispute.
Frequently asked
Can I pay on somebody else's behalf? Yes. The number that pays does not have to be the Kreafy account holder's: the credits go to the signed-in account.
Can I change plan mid-period? There is no proration in local payment. Buying the higher tier opens a new 30-day period at that tier.
Can I move from local payment to card? Yes, at any time: subscribe by card from the Plans page. Automatic renewal then applies.
What about transaction fees? The amount shown before you approve is the amount that will be debited from your mobile account.