One mobile money API for Africa
Pay out to and collect from mobile money wallets across 20 African countries through one integration: M-Pesa, MTN MoMo, Airtel Money, Orange Money, Wave and the other networks each market uses.
A mobile money API lets your software send money to, and receive money from, mobile wallets such as M-Pesa and MTN MoMo. ElementPay gives businesses one API and dashboard for mobile money in 20 African countries, funded in local currency, USD or USDC and USDT.
What businesses use it for.
Payouts to wallets
Pay suppliers, staff, agents and users straight to their mobile money wallet.
Collections
Request payment from customers’ wallets and settle into one balance.
Bulk disbursements
Send hundreds of wallet payouts from one file or API call.
Wallet cash-in and cash-out
Fintechs and apps move users between their app and mobile money.
How it works.
Integrate once
One API for every network and country we cover.
Fund your balance
In local currency, USD, or USDC and USDT.
Send or request
Choose the network and confirm the amount.
Track by webhook
Every payment returns a status and your reference.
Related.
Questions.
Which mobile money networks does ElementPay support?
Networks include M-Pesa, MTN MoMo, Airtel Money, Orange Money, Wave, Moov Money, Free Money, Telecel Cash, AT Money, Mixx by Yas, telebirr, Zamtel Kwacha, TNM Mpamba and e-Mola, depending on the country.
How many countries does the mobile money API cover?
20 African countries across East, West, Central and Southern Africa.
Can we both pay out and collect?
Yes. The same API handles payouts to wallets and collections from wallets.
Do we need a separate integration per network?
No. One integration covers every network and country we support.
Who can use it?
Verified businesses: fintechs, platforms, payroll providers, merchants and remittance companies.