What you can do in Togo
One Monerails account, one integration: here are the services open in Togo.
Collections
Accept Mixx by Yas 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 Mixx by Yas 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 Togo with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Togo and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: TG, currency: XOF.
Supported operators in Togo
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=TGMobile money in Togo
Togo is part of the XOF zone: send "country": "TG" with your requests. Mixx by Yas and Moov Money cover most Togolese mobile money; the current list of operators, with how each one approves payments, is returned by the API.
Use cases in Togo
Logistics and import-export
Collect from customers at the port of Lomé and pay forwarders and drivers on Mixx by Yas or Moov Money.
Local retail
Let customers pay by link or QR code, with no terminal, and get an immediate confirmation.
Sales teams
Send bonuses and travel expenses to your sales staff the same day, in bulk.
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": "TG" 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 Togo. Every operation is confirmed by a signed webhook.
Pricing in Togo
Mobile money
Collection and payout fees in Togo 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 Togo?
Mixx by Yas 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=TG.
Which country code and amount format should I use?
The country code is TG. XOF is shared by several countries: always send "country": "TG", 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 Togo?
No. A Monerails payment link opens a page where your customer chooses Mixx by Yas or Moov 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 Togo?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Togo 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 Togo?
Open an account in minutes. Test mode is free, with no subscription.