Mobile money
M-Pesa, MTN, Airtel, Orange Money and other carrier wallets.
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Mobile money as a payment method
Mobile money is a wallet tied to a phone number and run by a mobile operator or its fintech arm. In East and West Africa it is the main way people pay and get paid online: M-Pesa in Kenya and Tanzania, MTN MoMo in Ghana, Uganda and Côte d'Ivoire, Airtel Money across several markets, Orange Money in francophone West Africa. Customers confirm a payment with a USSD prompt or in the operator app, so no card is needed.
What a mobile money aggregator does
Connecting to each operator separately means separate contracts, technical integrations and settlement accounts in every country. A mobile money aggregator in Africa offers one mobile money API for collections (STK push / USSD prompt), payouts to wallets, status callbacks and settlement in local currency or USD. Some also add cards and bank transfers in the same checkout.
Main GEOs
- Kenya: M-Pesa dominates; Paybill and Till numbers for merchants — PSPs in Kenya.
- Ghana, Uganda, Côte d'Ivoire, Cameroon: MTN MoMo, Airtel, Orange — Ghana, Uganda, Côte d'Ivoire.
- Tanzania: several operators side by side — Tanzania.
- Egypt and North Africa: mobile wallets alongside cards and instant bank transfers — Egypt.
What to compare
- Operators actually connected in each country, not just "pan-African coverage".
- Collection and payout fees; payouts are often priced per transaction rather than percent.
- Transaction limits set by operators and KYC tiers of the customer's wallet.
- Settlement currency, FX spread for USD settlement, settlement speed.
- Support for refunds and reversal of failed payouts.
Related hubs
See the mobile money method page, local payment methods, payouts & mass payouts and cross-border payments. {count} providers are listed here; use Offers for rates and post a request if you need a specific operator.