How DGateway works

From signup to first payment in six clear steps.

Most apps go from zero to live transactions in under 24 hours. Test mode is free and works the same day you sign up — you only pay when you're ready to flip the switch on real money.

Step 1 of 6

Sign up & verify your email

Create a free DGateway account. Pick a strong password, verify your email via OTP, create your first App.

Head to dgatewayadmin.desispay.com/store/signup and fill in your name, email, and a strong password. We send a 6-digit OTP to confirm the email is yours.

Once verified, you create your first App. An App is the unit DGateway organizes everything around — it holds your API keys, your transactions, your store settings, your withdrawal history. If you run multiple businesses, you can create one App per business under the same account.

You don't need a credit card or business documents to sign up. KYC happens at Step 2.

Time

2 minutes

Cost

Free

What you need

Email + phone

Step 2 of 6

Submit KYC verification documents

Open the Verification page and upload your ID, phone, and business info. Standard regulatory KYC required before you accept real money.

From your dashboard, open the Verification page. You'll see four sections — submit all four at once for the fastest review:

  • ID documents — front and back of a National ID card, or a passport. Plus the ID number and the name written on it exactly as it appears.
  • Phone verification — a phone number registered to the same name on the ID. We'll send an OTP to confirm you control it.
  • Business info — business name, a short description of what you sell or collect payments for, and your location (city or district).
  • Big Withdraw & Bank Transfer requests (optional but recommended) — submit these now so they're reviewed in the same session as KYC. Without these you're capped at UGX 100,000 per payout and can only disburse to mobile money.

Why we need all of this: DGateway is regulated under Uganda's PSP framework via our payment providers. Iotec, Relworx, and Stripe each verify our customers under their own KYB obligations. The faster we have your docs, the faster they can enable your wallet.

Your documents are encrypted at rest and only used for verification — never shared with marketers or external parties.

Time

5-10 minutes to submit

Review

Same day (with Step 3)

What you need

ID + phone + biz info

Step 3 of 6

WhatsApp support for fast-track verification

Skip the queue. Book a 15-minute video call with JB to verify KYC, Big Withdraw, and Bank Transfer in one session.

DGateway's default review cycle is under 24 hours — but if you're shipping today, message JB directly on WhatsApp to fast-track. The video call covers three things at once:

  • KYC approval — confirms your ID and business match what you submitted.
  • Big Withdraw approval — lifts the default UGX 100k per-payout cap so you can move larger amounts.
  • Bank Transfer approval — enables wallet-to-bank disbursements (the Iotec bank rail covering all 26 Ugandan banks).

Three separate approval cycles, one 15-minute call. Most apps go from signup to fully-cleared the same day this way. Recommended for anyone who needs to be live within the week.

You should also join the DGateway WhatsApp community group. That's where the team and other builders answer integration questions in real time — much faster than email for "is anyone else seeing X?" type questions, and a useful place to learn from how other DGateway apps are wired.

Time

15-20 minutes

Result

All approvals at once

Channel

WhatsApp + video

Step 4 of 6

Get verified — test the API immediately

Once approved, a blue verified badge appears on your app. You can generate test API keys (dgw_test_*) and run the full integration end-to-end — without paying a single shilling yet.

The moment we approve your KYC, several things happen automatically:

  • A verified badge appears next to your app name in the dashboard.
  • The full module set auto-activates: API Access, API Keys, Subscriptions, Products, Payment Links, Bank Transfers, AI Assistant, Email Marketing, and more — no separate request flow.
  • You can generate test API keys (prefix dgw_test_) and immediately run real API calls against our sandbox.

Test mode is genuinely free. Use sandbox phone numbers like 256111777111 (always succeeds) or 256111779111 (always fails) to verify your collect → webhook → status polling flow. Stripe test card 4242 4242 4242 4242 works for cards. Webhooks fire to your URL, signatures verify with your webhook secret, everything works exactly like production — just with no real money moving.

Build your whole integration here. Confirm it works. Demo it to your team or customers. Only then move to Step 5.

Cost

Free

Capabilities

Full API access

Limitations

Sandbox numbers only

Step 5 of 6

Pay the UGX 150,000 platform fee — only if you're using the v1 API

One-time connection fee that activates live API access (dgw_live_* keys). Hosted-store sellers skip this step entirely.

Selling through the hosted store? You can stop reading and skip to the next step. Products, payment links, courses, events, link-in-bio profiles, and organization payment links all work the moment your KYC clears — no connection fee, no integration, just list-and-share. You only pay the per-transaction commission when a sale completes.

Integrating DGateway into your own app via the v1 API? When you're ready to flip from sandbox to real money, pay the one-time UGX 150,000 connection fee. Open Dashboard → your app → Billing and click Pay Connection Fee. You can pay with Mobile Money or card — both flow through the same hosted checkout.

After you pay, please WhatsApp JB a screenshot of the payment confirmation (send it here). Activation is usually automatic, but the screenshot lets us double-check the receipt against your wallet and flip your app to live straight away rather than waiting for the next reconciliation pass — handy if you're shipping the same day.

What the fee covers:

  • Provider onboarding paperwork. Iotec, Relworx, and Stripe each require separate KYB processing per app — wallet provisioning, settlement bank linkage, line activation. We handle all three for you.
  • Live API access. Activates dgw_live_* keys, production transaction routing, smart provider failover, and live webhook delivery.
  • Compliance setup. Adds your business to the regulator-reportable list our PSP partners maintain.

Paid once per app, never again. Future transactions only deduct the per-transaction commission (8% for API, varies by product type — see pricing). No monthly subscription, no minimums.

Test API calls (dgw_test_*) keep working without the fee, so you're never locked out of building or demoing. The fee is strictly the gate for live v1 API traffic on this specific app.

Amount

UGX 150,000

Required for

v1 API users only

Pay from

Dashboard → Billing

Step 6 of 6

Integrate via docs or AI

Hand-code from our docs in any language, or generate a ready-to-paste AI agent prompt and ship in minutes.

The integration story has two paths — pick whichever fits your workflow:

📖 Path A — Docs

Read the full integration guide with working snippets in Node.js, Python, PHP, Ruby, Java, Go, .NET, and cURL. Single REST endpoint, JSON in/out, webhooks signed with your secret.

✨ Path B — AI Integration

Visit /docs/ai-integration, answer 3 questions, copy the generated prompt into Claude Code, Cursor, Lovable, Bolt, or any AI agent. The agent wires DGateway into your project end-to-end.

Or if you don't code at all: install the WordPress plugin for WooCommerce sites, or the Framer plugin for Framer sites. Both are no-code and connect to your DGateway dashboard.

When you're ready to flip from test to live, swap your DGATEWAY_API_KEY env var from a dgw_test_ key to a dgw_live_ key, redeploy. Nothing else changes — same endpoints, same webhook URL, same webhook secret. The key prefix is the only switch.

Languages

All HTTP-capable

No-code

WordPress + Framer

AI agents

Claude / Cursor / Lovable

Design notes

Why we built it this way

Verification before payment

We don't take your money until we know we can serve you. KYC and the platform fee are sequenced so you only pay once we've confirmed your account meets the providers' requirements. If verification fails, no money changes hands.

Free test mode

Every other gateway makes you pay just to try. We don't. Test mode is unrestricted — full API, full webhooks, full sandbox. You can build the whole integration, demo it to investors or your team, and only then commit to the live fee.

Same-day fast-track

Bureaucracy is the worst part of starting any business in East Africa. JB takes a 15-minute call himself to cut your 3 review cycles down to 1. Most apps are live within 24 hours of signing up.

One fee, then commission only

No monthly subscription. No minimum monthly volume. Just one fee at activation, then a per-transaction percentage so we only make money when you do. If you don't sell anything this month, you don't owe anything.

AI integration as a first-class path

Most modern devs use Claude Code, Cursor, or Lovable. So Step 6 isn't buried — it's designed for AI-assisted shipping. Answer 3 questions, paste a prompt, ship in minutes.

Auto-enabled modules on verification

Once you're verified, the full DGateway feature set turns on automatically — API Access, Subscriptions, Bank Transfers, Email Marketing, AI Assistant, more. No second round of access-request forms to chase. You ask once via KYC, you get everything.

Quick answers

Questions people ask before signing up

How long does the whole process take?

Same day if you book a WhatsApp call (Step 3). Without it, typically 24-48 hours for KYC review. Integration after verification is anywhere from 5 minutes (AI prompt) to 2-3 days (hand-coded production-grade).

Do I have to pay the UGX 150,000 fee?

Only if you're integrating via the v1 API. Selling through the hosted store (products, payment links, courses, events, link-in-bio, org payments) is free up-front — no connection fee. Even for API users, test mode (dgw_test_*) is 100% free; you only pay when you generate a live key (dgw_live_*) and start moving real money.

What if I don't pass KYC?

Rare — we approve almost everyone who submits clean documents. If something's missing or unclear, we'll WhatsApp you specifically what to fix. The video call (Step 3) is the fastest way to resolve any ambiguity in one session.

Can I create multiple apps?

Yes. One DGateway account can hold multiple apps (one per business or project). Hosted-store apps don't need a connection fee at all; v1 API apps each carry their own one-time fee. Useful if you run multiple brands or want to isolate transaction reporting.

More on the full FAQ page.

Ready to start?

Step 1 takes 2 minutes. Test mode is free. Pay nothing until you're ready to go live.