GetpaidacrossAfrica.
One API, one balance.
Accept and send M-Pesa, Airtel Money, MTN MoMo, Orange Money and 22+ more networks in 10 currencies. Your customers pay the way they already do.
Trusted by fast-growing businesses from Dar es Salaam to Dakar
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African countries live
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Mobile money networks
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Historical API uptime
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Median payment confirmation
A complete toolkit to move money every way it moves.
Start with what you need today and add more as you grow. Every product shares one integration, one balance and one dashboard.
Collections
Accept M-Pesa, Airtel Money, MTN MoMo, Orange Money and more with a single push prompt to your customer’s phone.
Learn morePayouts
Pay suppliers, riders and staff in seconds. Bulk-send to thousands of wallets from one CSV or API call.
Learn moreCheckout
A conversion-tuned, mobile-first payment page that picks the right method for each customer automatically.
Learn morePayment Links
No website? Share a link on WhatsApp, Instagram or SMS and get paid in minutes. No code required.
Learn moreBilling
Subscriptions and recurring mobile money mandates, with smart retries that recover failed payments.
Learn moreConnect
Run a marketplace or platform. Onboard merchants, split payments and manage payouts for every seller.
Learn moreA checkout your customers already understand.
Customers pick their network, enter their number and approve on their phone with their PIN. No cards, no accounts, no friction — and you see the money in your balance seconds later.
- Push prompt straight to the customer’s phone
- Smart routing picks the best network path
- Instant confirmation by webhook and in your portal
Kariakoo Market
Order #4021
Total
TZS 45,000
Pay with
Phone number
Secured by zawapay
13 countries, 26 networks, one account.
One ZawaPay account and your customers pay with the operator of their country. Balances stay in their own currency, and payouts go wherever you need them.
- 🇧🇯BeninXOFMoov MoneyMTN MoMo
- 🇨🇲CameroonXAFMTN MoMo
- 🇨🇮Côte d’IvoireXOFMTN MoMoOrange Money
- 🇨🇩DR CongoCDFAirtel MoneyOrange MoneyVodacom M-Pesa
- 🇨🇩DR CongoUSDAirtel MoneyOrange MoneyVodacom M-Pesa
- 🇬🇦GabonXAFAirtel Money
- 🇰🇪KenyaKESM-Pesa
- 🇨🇬Republic of the CongoXAFAirtel MoneyMTN MoMo
- 🇷🇼RwandaRWFAirtel MoneyMTN MoMo
- 🇸🇳SenegalXOFFree MoneyOrange Money
- 🇸🇱Sierra LeoneSLEOrange Money
- 🇹🇿TanzaniaTZSM-PesaAirtel MoneyMixx by YasHaloPesa
- 🇺🇬UgandaUGXAirtel MoneyMTN MoMo
- 🇿🇲ZambiaZMWAirtel MoneyMTN MoMoZamtel Kwacha
Every payment goes to the operator that works best, measured country by country.
Create an account- M-Pesa, Airtel Money, MTN MoMo, Orange Money, Mixx by Yas, HaloPesa and more
- Balances held per currency — 10 currencies, never mixed together
- Payouts to any supported mobile money wallet in seconds
- Tanzania, Kenya, Uganda, Rwanda, DR Congo, Zambia and West & Central Africa
Everything you need to run payments at scale.
Gross volume · last 30 days
$1,284,920.45
+32.4% vs last month
- AAmina J.M-PesaTZS 25,000Paid
- BBrian O.Airtel MoneyKES 3,200Paid
- GGrace N.MTN MoMoUGX 85,000Paid
- KKwame A.Orange MoneyXOF 12,500Paid
Fraud protection, built in
Machine-learning risk scoring trained on African payment patterns blocks fraud before it reaches you.
0.02% fraud rate
Same-day settlement
Get your money in your bank or wallet the same day, every day — weekends included.
Multi-currency balances
Hold, convert and pay out in 10 currencies at transparent FX rates.
API uptime · 90 days
99.99%
Redundant connections to every operator, with automatic failover.
Built by developers, for developers.
Ten lines of code to your first live payment. A clean REST API, idempotent requests, predictable errors and webhooks you can trust.
SDKs for every stack
Node, Python, PHP, Java, Go, Flutter and more.
Reliable webhooks
Signed events with automatic retries and replay.
Full sandbox
Test every network and failure case before going live.
Docs people love
Clear guides, copy-paste examples, real answers.
“We switched three payment providers for ZawaPay and our checkout success rate jumped from 71% to 94% in the first month.”
Pay only when you get paid.
A small one-time setup fee, then no monthly fees and no hidden costs. Start as a developer and switch to Business when you’re ready.
Developer
For individuals, side projects and testing.
$49.99 one-time setup · no monthly fee
Start buildingIncludes
- Full sandbox with test keys
- Live payments up to $2,000 a month
- API, webhooks and SDKs
- Payment links and hosted checkout
- Payouts at 2% + network fee
- Weekly settlement
- 2 team members
- Email support
Business
Most popularFor registered businesses ready to scale.
$29.99 one-time setup · no monthly fee
Create business accountEverything in Developer, plus
- Unlimited monthly volume
- Payouts at 1.5% + network fee
- Daily settlement, weekends included
- Invoices and subscriptions
- Bulk payouts from CSV
- Wallets in all 10 currencies
- Unlimited team members with roles
- Priority chat and WhatsApp support
Custom
For high-volume businesses and platforms.
For $200k+ processed a month
Talk to salesEverything in Business, plus
- Discounted rates per network
- Connect for marketplaces and platforms
- Custom settlement schedule and accounts
- 99.99% uptime SLA
- Dedicated account manager
- Named engineer for integration
- SSO and audit logs
Rates depend on the country. See rates by country · Fees exclude VAT · Failed payments are always free.
Compare plans
| Plan | Developer | Business | Custom |
|---|---|---|---|
| Fees | |||
| Collection fee · standard markets | 4.5% | 3.5% | Volume-based |
| Collection fee · higher-cost markets | 6.5% | 5.5% | Volume-based |
| Payout fee | 2% + network fee | 1.5% + network fee | Volume-based |
| Monthly fee | None | None | None |
| One-time setup fee | $49.99 | $29.99 | Custom |
| Limits & money | |||
| Monthly volume | $2,000 | Unlimited | Unlimited |
| Countries | 13 | 13 | 13 |
| Settlement | Weekly | Daily | Custom |
| Multi-currency wallets | — | Included | Included |
| Products | |||
| API, SDKs & webhooks | Included | Included | Included |
| Payment links & checkout | Included | Included | Included |
| Invoices & subscriptions | — | Included | Included |
| Bulk payouts | — | Included | Included |
| Connect for platforms | — | — | Included |
| Team & support | |||
| Team members | 2 | Unlimited | Unlimited + SSO |
| Uptime SLA | — | 99.95% | 99.99% |
| Support | Priority chat & WhatsApp | Dedicated manager | |
Rates by country
Operator costs differ by country, so our rates do too. Payouts are 1.5% on Business (2% on Developer) plus the operator’s own payout fee, passed through at cost.
| Country | Currency | Tier | Developer | Business |
|---|---|---|---|---|
| 🇧🇯Benin | XOF | Standard | 4.5% | 3.5% |
| 🇨🇲Cameroon | XAF | Standard | 4.5% | 3.5% |
| 🇨🇮Côte d’Ivoire | XOF | Higher-cost | 6.5% | 5.5% |
| 🇨🇩DR Congo | CDF | Higher-cost | 6.5% | 5.5% |
| 🇨🇩DR Congo | USD | Higher-cost | 6.5% | 5.5% |
| 🇬🇦Gabon | XAF | Standard | 4.5% | 3.5% |
| 🇰🇪Kenya | KES | On request | Contact sales | Contact sales |
| 🇨🇬Republic of the Congo | XAF | Higher-cost | 6.5% | 5.5% |
| 🇷🇼Rwanda | RWF | Higher-cost | 6.5% | 5.5% |
| 🇸🇳Senegal | XOF | Standard | 4.5% | 3.5% |
| 🇸🇱Sierra Leone | SLE | Higher-cost | 6.5% | 5.5% |
| 🇹🇿Tanzania | TZS | Standard | 4.5% | 3.5% |
| 🇺🇬Uganda | UGX | Higher-cost | 6.5% | 5.5% |
| 🇿🇲Zambia | ZMW | On request | Contact sales | Contact sales |
Ready to get paid everywhere?
Create an account in minutes and start accepting payments today. Or talk to our team about a custom package for your business.