What you can do in Chad
One Monerails account, one integration: here are the services open in Chad.
Collections
Accept Airtel Money and Moov Money through the API, on your website or in your app. The customer approves on their phone and the net amount lands on your XAF balance.
Payouts
Pay suppliers, staff and customers by Airtel Money and Moov Money, one by one or in bulk, with a status for every payout.
Settlements
Move your XAF 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 Chad with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Chad and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: TD, currency: XAF.
Supported operators in Chad
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=XAF&country=TDMobile money in Chad
Chad is part of the XAF zone. Send "country": "TD" with your requests to reach Chadian operators. Public prices are set per operator and shown below: they are the same in test mode and live mode, and every fee is shown before you confirm.
Use cases in Chad
NGOs and field programmes
Send allowances and stipends to Airtel Money or Moov Money, with an ID and a status for each payment for your reports.
Trade and distribution
Collect payments from your resellers without cash and match each payment to its invoice with your own reference.
Mobile teams
Pay agents and technicians on the move the same day, from the dashboard or through the API.
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": "XAF", "country": "TD" 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 Chad. Every operation is confirmed by a signed webhook.
Pricing in Chad
Mobile money
| Operator | Collection | Payout |
|---|---|---|
| Airtel Money | 7% | 3.5% |
| Moov Money | 5% | 3.5% |
Public prices, the same in test mode and live mode. Every fee is shown before you confirm.
See the price listVirtual USD cards
Frequently asked questions
Which mobile money operators are available in Chad?
Airtel Money and Moov 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=XAF&country=TD.
Which country code and amount format should I use?
The country code is TD. XAF is shared by several countries: always send "country": "TD", otherwise it means Cameroon. XAF amounts are whole units, with no decimals: "amount": 5000 means 5,000 XAF.
How much do collections and payouts cost in Chad?
Public prices per operator, as a percentage of the amount: Airtel Money: 7% per collection, 3.5% per payout; Moov Money: 5% per collection, 3.5% per payout. No subscription or setup fee, and every fee is shown before you confirm.
Can I issue virtual cards to people living in Chad?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Chad included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
In the same currency zone (CEMAC, XAF)
Documentation: docs.monerails.com/coverage · Collections guide
Ready to get started in Chad?
Open an account in minutes. Test mode is free, with no subscription.