Qitero Qitero

Chapa

Country: Ethiopia (ET)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 20%

Chapa is a leading fintech payment gateway in Ethiopia, featuring developer-friendly REST APIs and multi-wallet checkout aggregation widely used for international e-commerce, digital services, SaaS subscriptions, and cross-border collections.

🔄 User Payment Flow

  1. Customer selects Chapa hosted checkout on merchant website
  2. Customer chooses preferred payment method (Telebirr, CBE Birr, Card, or Bank)
  3. Customer completes authentication via OTP, PIN, or 3DS verification
  4. Chapa returns customer to merchant store with verified payment status

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant generates payment session via Chapa Checkout API
  • Customer completes checkout on Chapa hosted page
  • Chapa dispatches webhook notification and settles funds into merchant account