What you can do in DR Congo
One Monerails account, one integration: here are the services open in DR Congo.
Collections
Accept Airtel Money, M-Pesa, Orange Money, Afrimoney and Vodacom through the API, on your website or in your app. The customer approves on their phone and the net amount lands on your CDF balance.
Payouts
Pay suppliers, staff and customers by Airtel Money, M-Pesa, Orange Money, Afrimoney and Vodacom, one by one or in bulk, with a status for every payout.
Settlements
Move your CDF 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 DR Congo with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in DR Congo and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: CD, currency: CDF.
Supported operators in DR Congo
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=CDFMobile money in DR Congo
In DR Congo, amounts are sent in whole Congolese francs (CDF): in minor units, the amount is a multiple of 100. The US dollar is also widely used day to day; its opening on Monerails mobile money is in progress. Public prices per operator are shown below.
Use cases in DR Congo
Digital services
Get subscriptions, top-ups and online services paid with the wallet your customers prefer, across four operators.
Mining, construction and subcontracting
Pay crews and subcontractors in Katanga or Kivu to their wallet, with a complete history.
Microfinance and collections
Collect regular repayments by mobile money and reconcile each payment with signed webhooks.
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": "CDF" 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 DR Congo. Every operation is confirmed by a signed webhook.
Pricing in DR Congo
Mobile money
| Operator | Collection | Payout |
|---|---|---|
| Airtel Money | 5% | 4% |
| M-Pesa | 5% | 4% |
| Orange Money | 5% | 4% |
| Afrimoney | 5% | 4% |
| Vodacom | 5% | 4% |
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 DR Congo?
Airtel Money, M-Pesa, Orange Money, Afrimoney and Vodacom, 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=CDF&country=CD.
Which country code and amount format should I use?
The country code is CD, the default for CDF, so the country field is optional. CDF amounts are in minor units and must be multiples of 100 (whole units): "amount": 250000 means FC2,500.
How much do collections and payouts cost in DR Congo?
Public prices per operator, as a percentage of the amount: Airtel Money: 5% per collection, 4% per payout; M-Pesa: 5% per collection, 4% per payout; Orange Money: 5% per collection, 4% per payout; Afrimoney: 5% per collection, 4% per payout; Vodacom: 5% per collection, 4% per payout. No subscription or setup fee, and every fee is shown before you confirm.
Can I issue virtual cards to people living in DR Congo?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, DR Congo included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
Neighbouring countries we cover
Documentation: docs.monerails.com/coverage · Collections guide
Ready to get started in DR Congo?
Open an account in minutes. Test mode is free, with no subscription.