every rail that matters here.
Cards alone miss most of the continent's spend. Collect on the rails your customers already trust, in each market.
Book a technical walkthrougha first-class rail, not a bolt-on.
M-Pesa, MTN MoMo and peers integrated the way cards are, with mandates, refunds and reconciliation.
used where they win.
Instant EFT and pay-by-bank for high-value flows. DebiCheck mandates where recurring debit is the norm.
one layer, per-market routing.
We pick the rail per market and per transaction. Merchants never think about it.
same api, same reporting, every rail.
Every rail behind the same integration surface and the same ledger. Reconciliation stays one problem.
the rails, market by market
Every rail below sits behind the same API and the same ledger. What differs is how each one actually behaves, and pretending otherwise is how integrations fail. So here is the honest version.
m-pesa
Kenya's default way to pay. One-off payments are push: the customer approves a prompt on their phone and money moves instantly. For subscriptions, M-Pesa supports customer-side standing orders with the amount fixed at creation, which suits fixed-price plans priced in shillings. We handle the mandate setup, collection and reconciliation.
mtn momo
The dominant wallet in Ghana and a major rail in Rwanda. MoMo supports merchant-initiated collection against a pre-approved mandate, the closest mobile money gets to card-on-file. Where that support exists, renewals run without the customer lifting a finger. Where it does not, we tell you before you build a forecast on it.
airtel money
A significant wallet in Kenya and Rwanda. Push payments work everywhere; mandate support varies by market and changes over time. We confirm capability with the network in writing before we sell it to you as recurring. That is our standard for every rail on this page.
capitec pay
South Africa, where Capitec is the largest retail bank by customer count. The buyer approves payment inside the banking app they already use daily. No card number typed, no card to expire, strong completion rates on mobile.
1voucher and ott
Cash, made digital. A buyer pays cash at a till, gets a voucher code, and redeems it at checkout. These rails reach South African customers who do not have a card or will not put one online. For a subscription business they work as top-ups and single purchases rather than auto-renewals, and we present them where they fit.
instant eft and debicheck
Pay-by-bank for higher-value flows, and DebiCheck mandates where bank-debit recurring is the norm in South Africa. Bank-authenticated mandates are hard for a customer to dispute casually, which shows up in your dispute ratio.
cards
Still essential, everywhere. Acquired in-market so they present as domestic. Cards get their own page: card acceptance.
frequently asked questions
Yes, where the network supports mandates, and we only claim recurring where it genuinely exists. M-Pesa supports fixed-amount standing orders. MTN MoMo supports merchant-initiated collection against a pre-approval. We wrote up the mechanics honestly here: /insights/mobile-money-recurring-billing-mandates.
No. Every rail sits behind one API, one webhook surface and one ledger. Routing is chosen per market and per transaction on our side. Adding a market later does not mean another integration.
Back to the source. Mobile money refunds land in the customer's wallet, with the reference matching the original receipt. As the seller of record we process the refund and handle the customer's questions about it.
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