Mobile Money in Malawi: Airtel and TNM, 6.5% pay-in

A provider connects Malawi Mobile Money, payments from mobile wallets linked to a phone number. The customer confirms the payment on their phone, and no bank card is needed. The offer was published in May 2026, and iGaming, Forex, PSPs and other verticals are accepted for review.

Operators Wallets of two mobile operators are supported: Airtel and TNM. The player picks their operator and confirms the debit in the wallet menu.

Fees - pay-in: 6.5%; - pay-out: 4.7%; - transaction size: from K100 to K750,000 (Malawian kwacha).

Merchant settlement Funds are paid out in USDT one day after the transaction (T+1). The rate is taken from Xe.com with a 2% markup, so the real cost of acceptance is higher than the headline fee.

What to keep in mind The pay-out fee is relatively high at 4.7%, so a model with frequent withdrawals costs more than one where players mostly top up. The K100 minimum allows very small deposits, which matters for a mass audience with a low average ticket. For projects already active in neighbouring countries, this channel opens another local market without separate bank acquiring.