Mobile money API
Mobile money payments via one API
Boldrails is a licensed payment provider that lets businesses accept and disburse mobile money through one API: M-Pesa, MTN MoMo, Airtel Money and Orange Money across Africa, plus QRIS, GoPay, DANA and GCash in Asia. We handle collections, mass payouts and settlement in fiat or crypto for high-volume and high-risk merchants.
- 8+ mobile money rails
- Africa and Asia coverage
- Fiat or crypto settlement
Last updated: June 10, 2026
Definition
What is a mobile money API?
A mobile money API is the layer that lets a business collect from and pay out to mobile money wallets in code, across many operators, through one integration. Without it, you would build and maintain a separate connection to each network. Boldrails provides this layer as a licensed payment provider, so you connect once and reach M-Pesa, MTN MoMo, Airtel Money and Orange Money in Africa, plus QRIS, GoPay, DANA and GCash in Asia.
Each rail runs on a mobile network operator, and each operator has its own portal, auth flow and settlement rules. We hold the licences, manage those operator connections, and expose them as one set of endpoints. Your developers call the same charge and payout methods for every network. We acquire the funds and settle them to you in local currency, USD or USDT.
Supported rails
Which mobile money rails are supported?
We support the main mobile money rails across Africa, Southeast Asia and Australia through one API. Each rail handles both pay-ins and payouts. The table below shows where each network runs and how funds settle. Country availability per rail is confirmed against our acceptance index before you go live.
| Rail | Region | Pay-in / Payout | Settlement |
|---|---|---|---|
| M-Pesa (Daraja) | Kenya, Tanzania | Pay-in and payout | Local, USD or USDT |
| MTN MoMo | Ghana, Uganda, Cameroon, Cote d'Ivoire | Pay-in and payout | Local, USD or USDT |
| Airtel Money | Uganda, Kenya, Tanzania, Nigeria | Pay-in and payout | Local, USD or USDT |
| Orange Money | Senegal, Cote d'Ivoire, Cameroon | Pay-in and payout | XOF/XAF, USD or USDT |
| QRIS / GoPay / DANA | Indonesia | Pay-in and payout | Local, USD or USDT |
| GCash / Maya | Philippines | Pay-in and payout | Local, USD or USDT |
| MoMo | Vietnam | Pay-in and payout | Local, USD or USDT |
| PayID / PayTo | Australia | Pay-in and payout | AUD, USD or USDT |
Is the mobile money API free? Operator developer portals are free to open and test, but transaction fees apply once you process live volume. Our pricing is quote-based and scales with your volume and risk profile, so you get a rate built for your business.
Collections and payouts
Pay-ins and payouts via one integration
The same API handles both sides of your money flow. Collections let you charge customers and pull funds from their mobile money wallets. Disbursements and mass payouts let you send money out to wallets in bulk, for B2C and B2B. You build one integration and use the same credentials for both.
Mobile money pay-ins are push-authorized. The customer confirms each payment on their own phone, so there are no card-style chargebacks to manage. That makes mobile money a strong fit for remittances, bulk supplier payments and salary runs. You can pay out to thousands of wallets in one batch and reconcile every transaction in one place.
Integration
How mobile money integration works
Integration follows the same five steps for every rail. The hub keeps it generic; each per-rail page covers the operator specifics, such as Daraja OAuth or the MTN MoMo products.
- 1
Create an account and get your API credentials.
- 2
Authenticate your requests with those credentials.
- 3
Initiate a charge. The customer authorizes it via STK Push, an OTP, or a redirect.
- 4
Receive a webhook that confirms whether the payment succeeded or failed.
- 5
Test the full flow in the sandbox, then switch your keys and go live.
Once you are live, the same charge and payout methods work across every supported rail. For rail-specific guides, start with the M-Pesa Daraja API.
Coverage and settlement
Where we cover and how funds settle
Coverage spans Africa, Southeast Asia and Australia. Here is what sets us apart: we settle in fiat or in crypto. You can take funds in local currency, convert to USD, or settle in USDT. Most mobile money providers settle in fiat only. We acquire your payments and settle them the way your treasury needs.
| Region | Rails | Settlement |
|---|---|---|
| Africa | M-Pesa, MTN MoMo, Airtel Money, Orange Money | Local, USD, USDT |
| Southeast Asia | QRIS, GoPay, DANA, GCash, Maya, MoMo | Local, USD, USDT |
| Australia | PayID, PayTo | AUD, USD, USDT |
Country acceptance per rail is confirmed against the acceptance index before go-live.
Who it's for
Who mobile money payments are for
Mobile money is built for businesses that collect and pay out at scale in emerging markets. We support a range of verticals and the developers, finance and ops teams who run them.
- E-commerce and marketplaces collecting from buyers and paying out to sellers
- Fintechs and PSPs that need wallet rails under their own product
- Forex and CFD brokers funding and withdrawing in local currency
- Crypto businesses moving between mobile money and digital assets
We accept high-risk and high-volume merchants, with acceptance confirmed per market before you go live. Operators in regulated verticals can speak to us about the right setup.
Get approved for mobile money payments
Apply, pass our KYB review, get your sandbox keys, then go live. We provide the licences, the operator connections and the settlement, so your team builds against one API. We price your rate by volume, market and vertical.
FAQ
Mobile money API questions
Last updated: June 10, 2026