Mobile money

M-Pesa, MTN, Airtel, Orange Money and other carrier wallets.

2 companies

PayleeNo reviews yetPayment providersP2P processing, Card acquiring & gateways, E-wallets, Payouts & mass payouts, Local payment methods (APM), Aggregators & cascading, H2H processing, Mobile money, Cross-border payments & FX+12

AmPayNo reviews yetPayment providersLocal payment methods (APM), Aggregators & cascading, Cross-border payments & FX, Payouts & mass payouts, Card acquiring & gateways, P2P processing, Mobile money, Crypto processing, E-wallets+13

Upcoming events: Mobile money

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3NovNovember 3, 202610DX Summit Egypt 2026In personConferences & exposCairo, Egypt 7NovNovember 7 – 10, 2026PAFIX 2026In personConferences & exposNew Cairo, Egypt 17NovNovember 17, 202610DX Summit Ghana 2026In personConferences & exposAccra, Ghana 18NovNovember 18 – 20, 2026Africa Fintech Summit Kigali 2026In personConferences & exposKigali, Rwanda

Related subsections

P2P processing48 Card acquiring & gateways14 H2H processing11 Payouts & mass payouts11 Aggregators & cascading10 Local payment methods (APM)8 Mobile money — India Mobile money — Bangladesh Mobile money — South Korea Mobile money — Brazil Mobile money — Argentina Mobile money — Colombia

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.

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.