Billing for apps and SaaS
Subscriptions for your app, paid with MoMo.
Charge monthly or yearly for your app, tool or API without your own payment gateway. Users subscribe with mobile money or card, and one API call tells your app who has paid.
- On Pro and Business
- No gateway needed
curl "https://paylead.app/api/v1/access?ref=USER_123" \-H "Authorization: Bearer sk_live_…"{"has_access": true,"status": "active","access_ends_at": "2026-11-13T09:00:00Z","subscription": { "id": "sub_8f2k…", "ref": "USER_123" }}
From side project to paid app in an afternoon.
- 1
Create your plans
A subscription product for each plan: Basic, Pro, Team. Weekly, monthly, every 3 months or yearly.
- 2
Add a Subscribe button
Pass your user's id as ref. They pay over your app with MoMo or card and come straight back.
- 3
Check access
Call GET /api/v1/access?ref=USER_ID, or listen for webhooks, and unlock the paid features.
In your app
Your plans, inside your product.
Show a pricing table on your site or settings page and highlight the popular plan. Every Subscribe button opens the checkout over your app, so users never leave.
- Pricing table with up to four plans
- Subscribe buttons with your user id and email prefilled
- Works on any website or web app, React too
Basic
GH₵ 30 / month
- 1 project
- Email help
Pro
GH₵ 90 / month
- 10 projects
- Priority help
- Exports
Team
GH₵ 250 / month
- Unlimited
- 5 seats
Webhooks
Know the moment someone pays, renews or lapses.
Signed webhooks tell your server when a subscription starts, renews, falls behind, is cancelled or ends. Every delivery is logged, retried if your server is down, and can be sent again from your dashboard.
X-Paylead-Event: subscription.renewedX-Paylead-Signature: sha256=9f2c…{"type": "subscription.renewed","data": {"id": "sub_8f2k1m0q9z","ref": "USER_123","has_access": true,"current_period_end": "2026-12-10T09:00:00Z"}}
Renewals
Mobile money renewals that actually get paid.
Mobile money can't be charged without the user, so Paylead does the reminding: by SMS and email 3 days before, on the day, and at the end of a 3-day grace period. Users renew in one tap from their subscription page, where they can also cancel.
VIP Signals
What you don't have to build
No gateway application
Payments land in your Paylead wallet. Withdraw to MoMo or bank, GH₵ 5 flat.
Every network
MTN MoMo, Telecel Cash, AirtelTigo Money, Visa and Mastercard in one checkout.
No dunning emails to write
Renewal reminders, a grace period and a renew page come built in.
Simple API keys
Secret keys per store. Make up to 10 and revoke any of them in one click.
Signed webhooks
Order, invoice and subscription events, each signed so you know it came from us.
Plain REST
Products, orders, customers, subscriptions, payment links and invoices.
Every payment is a normal sale. No extra billing fee.
4% + GH₵ 1 per sale on every plan, payment processing included, or pass it to your buyer with one switch. Cash on delivery: 2% + GH₵ 1. Selling more than $5,000 a month? Talk to us about a lower fee.
Questions sellers ask
Do I need a payment gateway or merchant account?
No. Your Paylead store takes the payments and you withdraw to mobile money or your bank, GH₵ 5 per withdrawal.
How does my app know who has paid?
Pass your user's id as ref on the Subscribe button. Then call GET /api/v1/access?ref=USER_ID, or listen for subscription webhooks.
Are renewals charged automatically?
Mobile money needs the user to approve each payment, so Paylead reminds them by SMS and email before every renewal and they pay in one tap. They keep access during a 3-day grace period.
Which plans include the API?
Pro and Business include subscriptions, the API and webhooks. Embeds such as the pricing table work on every plan.
Charge for your app this week, not next quarter.
No gateway to apply for, no merchant account. Create a plan, add a Subscribe button and start billing in cedis.