What you can do in Côte d’Ivoire
One Monerails account, one integration: here are the services open in Côte d’Ivoire.
Collections
Accept Orange Money, MTN MoMo, Moov Money, Wave and Djamo 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 Orange Money, MTN MoMo, Moov Money, Wave and Djamo, 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 Côte d’Ivoire with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Côte d’Ivoire and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: CI, currency: XOF.
Supported operators in Côte d’Ivoire
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=CIMobile money in Côte d’Ivoire
Côte d’Ivoire offers one of the widest choices of operators covered by Monerails. A customer can hold a Wave account on any number: let them pick their wallet rather than guessing it. On the API side, always send "country": "CI" with XOF, otherwise the request goes to Senegal.
Use cases in Côte d’Ivoire
E-commerce and marketplaces
Show all four wallets at checkout and stop losing customers because their operator is missing.
Sales networks and commissions
Pay commissions to your sellers in Abidjan and across the country, in bulk, to Orange Money, MTN MoMo, Moov Money, Wave or Djamo.
Export and B2B services
Collect from Ivorian customers in XOF and pay for foreign tools and suppliers with a virtual dollar card.
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": "CI" 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 Côte d’Ivoire. Every operation is confirmed by a signed webhook.
Pricing in Côte d’Ivoire
Mobile money
Collection and payout fees in Côte d’Ivoire 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 Côte d’Ivoire?
Orange Money, MTN MoMo, Moov Money, Wave and Djamo, 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=CI.
Which country code and amount format should I use?
The country code is CI. XOF is shared by several countries: always send "country": "CI", otherwise it means Senegal. XOF amounts are whole units, with no decimals: "amount": 5000 means 5,000 XOF.
Why do my Ivorian payments go to Senegal?
Because, by default, XOF means Senegal. Add "country": "CI" to every collection, payout or payment link: it is the most common mistake in XOF integrations.
Can I issue virtual cards to people living in Côte d’Ivoire?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Côte d’Ivoire 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 Côte d’Ivoire?
Open an account in minutes. Test mode is free, with no subscription.