What you can do in Benin
One Monerails account, one integration: here are the services open in Benin.
Collections
Accept MTN MoMo, Moov Money, Celtiis Cash and Coris Money through the API, on your website or in your app. The customer approves on their phone and the net amount lands on your XOF balance.
Payouts
Pay suppliers, staff and customers by MTN MoMo, Moov Money, Celtiis Cash and Coris Money, one by one or in bulk, with a status for every payout.
Settlements
Move your XOF balance to your business mobile money account whenever you want, priced like a payout.
Payment links
Create a link in seconds and share it by WhatsApp, SMS, email or QR code: your customer pays in Benin with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Benin and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: BJ, currency: XOF.
Supported operators in Benin
Your customers pay from
You pay out to
Indicative list. The current list, with how each operator approves payments, is returned by the API:
GET /v1/operators?currency=XOF&country=BJMobile money in Benin
Benin uses the XOF franc, like its WAEMU neighbours. Send "country": "BJ" to reach Beninese operators. If you also sell in Togo or Burkina Faso, your XOF balance gathers collections from these countries and is used to pay out in each of them.
Use cases in Benin
Cross-border trade
Collect from customers in Cotonou and Lomé on one XOF balance, through a single integration.
Events and ticketing
Sell tickets through an MTN MoMo, Moov Money, Celtiis Cash or Coris Money payment link and follow every sale in real time.
Cooperatives and agriculture
Pay farmers and collectors to their wallet at delivery, with a record for each one.
How it works
Open your account
Create your account in minutes and get your test keys: test mode is free, with test numbers for every country we cover.
Integrate, or go no-code
Call POST /v1/collections with "currency": "XOF", "country": "BJ" from your server, or create a payment link from the dashboard, with no development.
Go live
Once your business is verified, your live keys collect and pay out in Benin. Every operation is confirmed by a signed webhook.
Pricing in Benin
Mobile money
Collection and payout fees in Benin are published country by country on the price list, with no subscription or setup fee: see the price list. Every fee is shown before you confirm.
See the price listVirtual USD cards
Frequently asked questions
Which mobile money operators are available in Benin?
MTN MoMo, Moov Money, Celtiis Cash and Coris Money, for collections and payouts alike. The current list, with how each operator approves payments (PIN or one-time code), is returned by GET /v1/operators?currency=XOF&country=BJ.
Which country code and amount format should I use?
The country code is BJ. XOF is shared by several countries: always send "country": "BJ", otherwise it means Senegal. XOF amounts are whole units, with no decimals: "amount": 5000 means 5,000 XOF.
Do I need a website to collect in Benin?
No. A Monerails payment link opens a page where your customer chooses MTN MoMo, Moov Money, Celtiis Cash or Coris Money, enters their number and approves. You share it by WhatsApp, SMS, email or QR code, and every payment shows up in your dashboard.
Can I issue virtual cards to people living in Benin?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Benin included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
In the same currency zone (UEMOA, XOF)
Documentation: docs.monerails.com/coverage · Collections guide
Ready to get started in Benin?
Open an account in minutes. Test mode is free, with no subscription.