diff --git a/lib/features/contributions/presentation/widgets/payment_dialog.dart b/lib/features/contributions/presentation/widgets/payment_dialog.dart
index 8d87065..f409188 100644
--- a/lib/features/contributions/presentation/widgets/payment_dialog.dart
+++ b/lib/features/contributions/presentation/widgets/payment_dialog.dart
@@ -7,6 +7,7 @@ import 'package:flutter/material.dart';
 import 'package:flutter_bloc/flutter_bloc.dart';
 import '../../../../shared/design_system/tokens/color_tokens.dart';
 import '../../../../shared/design_system/tokens/app_colors.dart';
+import '../../../../core/config/environment.dart';
 import 'package:intl/intl.dart';
 import 'package:url_launcher/url_launcher.dart';
 import 'package:unionflow_mobile_apps/core/di/injection.dart';
@@ -445,9 +446,29 @@ class _PaymentDialogState extends State<PaymentDialog> {
         numeroTelephone: phone,
       );
       final url = result.waveLaunchUrl.isNotEmpty ? result.waveLaunchUrl : result.redirectUrl;
-      if (url.isEmpty) {
-        throw Exception('URL Wave non reçue');
+      if (url.isEmpty) throw Exception('URL Wave non reçue');
+
+      // Mode dev/mock : simuler le paiement sans ouvrir le navigateur
+      final isMock = url.contains('mock') || url.contains('localhost') || !AppConfig.isProd;
+      if (isMock) {
+        await Future.delayed(const Duration(milliseconds: 800));
+        if (!mounted) return;
+        Navigator.pop(context);
+        ScaffoldMessenger.of(context).showSnackBar(
+          SnackBar(
+            content: Row(children: [
+              Icon(Icons.science_rounded, color: AppColors.onPrimary, size: 16),
+              const SizedBox(width: 8),
+              const Expanded(child: Text('Paiement simulé avec succès (mode dev)')),
+            ]),
+            backgroundColor: AppColors.success,
+          ),
+        );
+        context.read<ContributionsBloc>().add(const LoadContributions());
+        return;
       }
+
+      // Mode prod : ouvrir Wave
       final uri = Uri.parse(url);
       if (await canLaunchUrl(uri)) {
         await launchUrl(uri, mode: LaunchMode.externalApplication);
diff --git a/lib/features/epargne/presentation/widgets/depot_epargne_dialog.dart b/lib/features/epargne/presentation/widgets/depot_epargne_dialog.dart
index f6dc730..c9c1a07 100644
--- a/lib/features/epargne/presentation/widgets/depot_epargne_dialog.dart
+++ b/lib/features/epargne/presentation/widgets/depot_epargne_dialog.dart
@@ -4,6 +4,7 @@ import 'package:get_it/get_it.dart';
 import 'package:url_launcher/url_launcher.dart';
 import 'package:file_picker/file_picker.dart';
 
+import '../../../../core/config/environment.dart';
 import '../../../../core/constants/lcb_ft_constants.dart';
 import '../../../../core/data/repositories/parametres_lcb_ft_repository.dart';
 import '../../../../core/utils/error_formatter.dart';
@@ -159,6 +160,29 @@ class _DepotEpargneDialogState extends State<DepotEpargneDialog> {
       );
       final url = result.waveLaunchUrl.isNotEmpty ? result.waveLaunchUrl : result.redirectUrl;
       if (url.isEmpty) throw Exception('URL Wave non reçue');
+
+      // Mode dev/mock : simuler le paiement au lieu d'ouvrir le navigateur
+      final isMock = url.contains('mock') || url.contains('localhost') || !AppConfig.isProd;
+      if (isMock) {
+        // Simulation : attendre 1s puis confirmer le succès
+        await Future.delayed(const Duration(milliseconds: 800));
+        if (!mounted) return;
+        Navigator.of(context).pop(true);
+        widget.onSuccess?.call();
+        ScaffoldMessenger.of(context).showSnackBar(
+          SnackBar(
+            content: const Row(children: [
+              Icon(Icons.science_rounded, color: Colors.white, size: 16),
+              SizedBox(width: 8),
+              Expanded(child: Text('Dépôt simulé avec succès (mode dev)')),
+            ]),
+            backgroundColor: AppColors.success,
+          ),
+        );
+        return;
+      }
+
+      // Mode prod : ouvrir Wave
       final uri = Uri.parse(url);
       if (await canLaunchUrl(uri)) {
         await launchUrl(uri, mode: LaunchMode.externalApplication);