What you can do in Mali
One Monerails account, one integration: here are the services open in Mali.
Collections
Accept Orange 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 XOF balance.
Payouts
Pay suppliers, staff and customers by Orange Money and Moov 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 Mali with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Mali and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: ML, currency: XOF.
Supported operators in Mali
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=MLMobile money in Mali
Mali uses the XOF franc: send "country": "ML" with your requests. Public prices are set per operator and shown below, the same in test mode and live mode.
Use cases in Mali
Distribution and wholesale
Collect payments from your retailers in Bamako and the regions, without moving cash.
Microcredit and digital savings groups
Collect regular instalments by Orange Money or Moov Money and reconcile them automatically.
Programmes and field agents
Pay enumerators, facilitators and technicians to their wallet, with a status for each payment.
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": "ML" 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 Mali. Every operation is confirmed by a signed webhook.
Pricing in Mali
Mobile money
| Operator | Collection | Payout |
|---|---|---|
| Orange Money | 4% | 2.5% |
| Moov Money | 4% | 2.5% |
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 Mali?
Orange 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=XOF&country=ML.
Which country code and amount format should I use?
The country code is ML. XOF is shared by several countries: always send "country": "ML", otherwise it means Senegal. XOF amounts are whole units, with no decimals: "amount": 5000 means 5,000 XOF.
How much do collections and payouts cost in Mali?
Public prices per operator, as a percentage of the amount: Orange Money: 4% per collection, 2.5% per payout; Moov Money: 4% per collection, 2.5% per payout. No subscription or setup fee, and every fee is shown before you confirm.
Can I issue virtual cards to people living in Mali?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Mali 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 Mali?
Open an account in minutes. Test mode is free, with no subscription.