Collect

Get paid by mobile money across Africa. Settle where you want.

Request payments on your customers’ phones with MTN MoMo, Orange Money, M-Pesa, Airtel Money and Wave, through the API or from the dashboard. Payment links are coming soon. Settle in local currency, in stablecoins or to your bank.

AAcme StudioOrder #2291
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Ways to get paid

From one request to a full integration

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Mobile money

The way Africa pays, on one integration

Send a payment request to your customer’s phone and receive the funds in local currency or in stablecoins. PIN, OTP, USSD and STK push confirmations are handled for you.

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Settlement

Choose where every payment lands

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Request your first payment today

Test every operator in the sandbox, including the confirmation on the customer’s phone.

Open an accountPayouts
Collect

Get paid by mobile money across Africa. Settle where you want.

Request payments on your customers’ phones with MTN MoMo, Orange Money, M-Pesa, Airtel Money and Wave, through the API or from the dashboard. Payment links are coming soon. Settle in local currency, in stablecoins or to your bank.

AAcme StudioOrder #2291
XAF 25,000
OperatorMTN MoMo · Cameroon
Phone number+237 6•• ••• 412
ConfirmationUSSD prompt on phone
Fee (1%)XAF 250
You receiveXAF 24,750
Send payment request
Your customer confirms with their PIN
Ways to get paid

From one request to a full integration

Payment links

Create a link in seconds and share it by WhatsApp, SMS, email or QR code. Coming soon.

Hosted checkout

A branded payment page that shows the right operators for each country. Coming soon.

Push payments

Trigger the PIN, OTP, USSD or STK push prompt on your customer’s phone.

Payment requests

Send a request with an amount and a reference, paid from any wallet.

OTP payments

When an operator asks for a code, confirm it with one authorize call.

Live status

Follow every payment, with signed webhooks on each change.

Mobile money

The way Africa pays, on one integration

Send a payment request to your customer’s phone and receive the funds in local currency or in stablecoins. PIN, OTP, USSD and STK push confirmations are handled for you.

MTN MoMo
Cameroon, Congo, Côte d’Ivoire, Benin, Ghana, Guinea, Uganda, Rwanda
Orange Money
Cameroon, Central African Republic, DR Congo, Senegal, Côte d’Ivoire, Burkina Faso, Guinea, Guinea-Bissau, Mali
M-Pesa
Kenya, Tanzania, DR Congo
Airtel Money
Kenya, Uganda, Tanzania, Rwanda, DR Congo, Gabon, Chad, Congo, Niger
Wave
Senegal, Côte d’Ivoire
Moov Money
Benin, Togo, Côte d’Ivoire, Burkina Faso, Mali, Niger, Gabon, Chad
Free Money
Senegal
TMoney
Togo
Bank transfer
Nigeria (payouts)
CameroonCôte d’IvoireSenegalBeninTogoBurkina FasoGhanaKenyaUgandaTanzaniaRwandaGabonChadCongoCentral African RepublicDR CongoGuineaMaliNigerZambiaSouth Africa
Settlement

Choose where every payment lands

In local currency
Keep XAF, XOF, NGN, KES or GHS in your balance, ready for payouts and cards.
In stablecoins
Settle in USDC or USDT, instantly, every day of the week.
To your bank account
Receive a transfer in the settlement currency you choose.
// Request a mobile money payment
await fetch('https://api.monerails.com/v1/collections', {
  method: 'POST',
  headers: { Authorization: `Bearer ${MONERAIL_KEY}`,
             'Content-Type': 'application/json' },
  body: JSON.stringify({
    amount: 25000, currency: 'XAF', operator: 'MTN',
    phone: '237670000412', customer: { name: 'Awa Ndiaye' },
    client_reference: 'ORDER-2291',
  }),
}); // → 201 · status: 'pending'
// webhook → collection.succeeded
{
  "id": "3b8f6c1e-2a47-4d1b-9e35-7c0a9d2f4e61",
  "object": "event",
  "type": "collection.succeeded",
  "data": { "object": {
    "id": "9d2f4e61-7c0a-4d1b-9e35-3b8f6c1e2a47",
    "status": "succeeded",
    "amount": 25000, "currency": "XAF",
    "client_reference": "ORDER-2291"
  } }
}

Request your first payment today

Test every operator in the sandbox, including the confirmation on the customer’s phone.