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Documentation Index

Fetch the complete documentation index at: https://developers.ligdicash.com/llms.txt

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LigdiCash lets you accept Visa card payments in addition to mobile money. This feature has specific activation conditions and significant technical constraints to know before integrating.

Essential constraints

Visa card payment is only available with the hosted payin method. There is no Visa direct payin flow — the customer is always redirected to the LigdiCash-hosted payment page to enter their card information.
3D Secure is mandatory. The card used by the customer must have 3D Secure enabled with their bank. A payment attempted with a card without 3D Secure will be declined. See 3D Secure for details.

Activation — dedicated contract required

Visa card payment cannot simply be enabled from the dashboard. It requires the signature of a specific contract with LigdiCash, distinct from the API access contract for mobile money. See Activate Visa on your project for the steps.

Withdrawal delay for Visa funds

Funds collected through Visa payments are subject to longer withdrawal delays than mobile money. Additional checks are required by LigdiCash and its banking partners. These delays can range from a few days up to 14 days maximum.
This delay only applies to withdrawals from a merchant account funded by Visa payments. Mobile money payments are not affected.

Differences with mobile money

Mobile moneyVisa card
Payment methodHosted or direct payinHosted only
3D SecureNot applicableMandatory
ActivationIncluded in standard contractDedicated contract required
Withdrawal delayStandardUp to 14 days
CurrencyXOFXOF

Pages in this section

Activate Visa

Contractual conditions and activation steps

Payment flow

How a Visa payment unfolds end to end

3D Secure

Why 3DS is mandatory and what the customer experiences