Collect

Get paid in every market you sell in. Settle where you want.

Accept cards, bank transfers, local payment methods and mobile money with payment links, checkout, invoices or the API. Funds land in the currency wallet of your choice.

AAcme StudioInvoice #2291
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Ways to get paid

From a single link to a full checkout

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Mobile money

The way Africa pays, in the same account as the rest of the world

Send a payment request to your customer's phone and receive the funds in local currency, dollars or stablecoins. PIN, OTP and push confirmations are handled for you.

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Settlement

Choose where every payment lands

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Send your first payment link today

Test every method in the sandbox, including mobile money confirmations.

Open an accountPayouts
Collect

Get paid in every market you sell in. Settle where you want.

Accept cards, bank transfers, local payment methods and mobile money with payment links, checkout, invoices or the API. Funds land in the currency wallet of your choice.

AAcme StudioInvoice #2291
$1,250.00
Card number4242 •••• •••• 4242
Expiry · CVC12/28 · •••
Name on cardJ. Okoro
Pay $1,250.00
Visa, Mastercard and major wallets accepted
Ways to get paid

From a single link to a full checkout

Payment links

Create a link in seconds and share it by email, chat or QR code.

Hosted checkout

A branded payment page that adapts methods to each customer’s country.

Invoices

Send invoices with a pay button and automatic reminders.

Subscriptions

Charge customers on a schedule, with retries on failed payments.

Cards and wallets

Visa, Mastercard and major digital wallets, with 3-D Secure.

Bank transfers

Unique account details per customer, matched automatically.

Mobile money

Request payment directly on your customer’s phone in 14 African markets.

Stablecoins

Accept USDC and USDT, and keep them or convert to fiat.

Mobile money

The way Africa pays, in the same account as the rest of the world

Send a payment request to your customer's phone and receive the funds in local currency, dollars or stablecoins. PIN, OTP and push confirmations are handled for you.

M-Pesa
Kenya, Tanzania
MTN MoMo
Ghana, Uganda, Cameroon…
Airtel Money
East and Central Africa
Orange Money
West and Central Africa
Wave
Senegal, Côte d’Ivoire
Vodacom
Tanzania, South Africa
KenyaTanzaniaUgandaRwandaGhanaNigeriaSenegalCôte d’IvoireBeninTogoBurkina FasoZambiaSouth AfricaCameroon
Settlement

Choose where every payment lands

In the currency you received
Keep KES, EUR or GBP in its own wallet, and convert later.
Converted automatically
Settle every payment into USD, EUR or another currency you choose.
In stablecoins
Receive the equivalent in USDC or USDT in your account.
// Request a mobile money payment
const payment = await monerail.collections.create({
  amount: 16175000,          // KES 161,750
  currency: 'kes',
  method: { type: 'mobile_money', operator: 'mpesa',
            phone: '+2547•••••418' },
  settle_to: 'acct_usd_main',
  reference: 'INV-2291',
});

// → status: pending_confirmation
// webhook → payment.received
{
  "type": "payment.received",
  "data": {
    "id": "pay_7Hq3Wp",
    "method": "mobile_money.mpesa",
    "amount": 16175000,
    "currency": "kes",
    "settled": { "currency": "usd", "amount": 124820 }
  }
}

Send your first payment link today

Test every method in the sandbox, including mobile money confirmations.