Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Togo
Accept USDT and USDC payments in Togo
Collect USDT and USDC payments in Togo through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Togo depend on your account, its verification and the assets and networks enabled.
USDT
USDCStablecoin payments
Your prices in local currency.
Your customers pay in USDT or USDC while you price and keep your accounts in XOF. The checkout shows the asset, network, amount and address for each payment, and your merchant workspace tracks its confirmation. Assets, networks and limits depend on your account and its verification.
Exact instructions for every payment
The customer sees the asset, network, amount and address to use. Sending on the wrong network can lose funds.
Confirmation tracking
Fulfil only when the payment shows confirmed in your merchant workspace, never on the strength of a screenshot.
Know the risks
Stablecoins are designed to track the US dollar but can deviate. They carry issuer, market and network risks and are not bank deposits.
How it works
Create your business account
Register your business in Togo and complete the required verification. Enabled features appear in your workspace.
Create the payment
Generate a link, a checkout or an API payment for the order amount.
The customer pays in stablecoins
The customer sends the exact asset on the stated network to the address shown for that payment.
Reconcile and fulfil
Track the confirmation in your merchant workspace, then process the order.
Accepting stablecoin payments in Togo: what to check first
Togo is a member of the West African Monetary Union, whose common currency, the CFA franc (XOF), is issued by the BCEAO, the regional central bank. If stablecoin payments are enabled for your account, your customers pay in USDT or USDC, while your business continues to set prices, issue invoices and keep its books in XOF terms. Decide how you convert a XOF price into a stablecoin amount before you send a payment link, and record both figures for each sale. The points below draw on official regional and Togolese sources.
Follow the BCEAO's position on crypto-assets
At an international conference it held in Dakar on 8 May 2026, the BCEAO, the central bank for Togo and the other WAMU states, pointed to the high volatility of crypto-assets, their cross-border dimension, and issues of cybersecurity, consumer protection and anti-money laundering. Its Governor said the BCEAO has set up a committee to draft a regulatory framework for crypto-assets in the WAMU. The WAMU uniform anti-money laundering law published by the BCEAO also requires virtual asset service providers to obtain prior approval or authorization. These texts are evolving: check with a legal adviser in Togo how they apply to your activity.
Keep invoicing in line with OTR rules
The Office Togolais des Recettes (OTR) states that the standardized invoice (facture normalisée), introduced by the 2015 finance law, obliges every economic operator within its scope to use only that invoice for its transactions. A sale settled in USDT or USDC is still a sale: issue the invoice your tax regime requires, in XOF, and keep the stablecoin amount, asset, network and transaction reference alongside it. Invoicing rules can change, so check with your accountant or the OTR how stablecoin-settled sales should be invoiced and recorded.
Fulfil only after confirmation in your workspace
Release goods or services only once the payment shows as confirmed in your ZyndPay workspace. A customer screenshot, a forwarded message or a transaction hash sent in chat is not proof of payment. Check that the asset and network match what the checkout displayed: a payment sent on another network may not arrive as expected. If you agree to a refund, send it in the same asset and on the same network as the original payment, to an address the customer confirms, and keep a record linked to the order.
These sources describe Togo's currency, regional rules on crypto-assets and virtual asset service providers, and Togolese invoicing requirements. They do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in Togo accept USDT with ZyndPay?
If stablecoin payments are enabled for your account after verification, you can create USDT and USDC links, checkouts or API payments. Availability depends on your account and the checks that apply.
Do my customers in Togo need a ZyndPay account?
No. Customers pay from the wallet of their choice, following the asset, network and address shown on the payment page.
How do I price in XOF?
You keep your prices and accounts in XOF. The stablecoin amount to pay is shown to the customer before payment; check the terms and fees in your workspace before you start.
How do refunds work?
Refund in the same asset and on the same network, to an address the customer confirms. Keep the reference of the original payment.
Has the BCEAO announced a crypto-asset framework that covers Togo?
At its conference of 8 May 2026, the BCEAO Governor said the bank has set up a committee to draft the regulatory framework for crypto-assets in the WAMU, of which Togo is a member. Follow BCEAO announcements and check with a local adviser how the rules apply to your business.