If you’re building a SaaS product, we recommend using PayChangu Connect to avoid handling customer funds directly.

With PayChangu Connect, your customers can onboard onto your platform and manage their own payments securely without sharing API keys or requiring you to hold their money. This significantly reduces financial and compliance risks.

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Note: Your customer must have PayChangu account before they can connect to your app.

How it works

1. Integrate PayChangu Connect into your platform.
2. Add a “Connect PayChangu” button for your users.
3. When clicked, users are redirected to a secure PayChangu Connect page to authenticate and grant permission.
4. Once authorized, they are redirected back to your platform with an access token.
5. You can securely store this token and use it to perform actions (e.g., charge payments) on behalf of the user.

Users can revoke access to your app at any time by navigating to Settings → Developer → Connect → Connected Apps, selecting your app, and clicking Revoke Access.

Monetization: You can also add a commission to each transaction. PayChangu automatically handles the split: • Your customer receives their funds directly in their PayChangu wallet • You receive your commission separately

Getting started

You need to create an app in your PayChangu dashboard under Settings → Developer.

1. Go to the Connect section
2. Click New App
3. Enter your app name (e.g., Acme POS)
4. Provide a Redirect URL — this is where users will be redirected after authentication, along with their access token
5. Set a Connect fee (if applicable)
6. Click Create App

Generate a Connect Link

To create a PayChangu Connect link, call the Connect Link endpoint with the following parameters:

•client_id – Your app’s client ID

•redirect_uri – The redirect URL provided when creating your app

•scope – Permissions requested (e.g., payments:write payments:read)

•mode: live or test

•wh_url (optional) – Your webhook URL to receive payment notifications

•wh_secret (optional) – A secret key used to verify that webhook events originate from PayChangu

Note: Webhooks are optional but highly recommended for faster and more reliable payment verification.

What happens next Once you submit the request, we generate a Connect link. Redirect your customer to this link so they can:

1. Authenticate on the PayChangu Connect page
2. Grant the requested permissions

After authorization, the user is redirected back to your redirect_uri with an access token, which you can use to start accepting payments on their behalf