MOBILE MONEY PAYMENTS
Mobile Money is a service that allows a mobile phone user to store funds in a secure
electronic account, linked to a mobile phone number as provided by mobile network operators such
as M-Pesa, Tigopesa, Airtel Money, Halopesa, or others.
Through Mobile Money services, users can store, send, and receive money using their mobile
phones. They can pay for goods and services, utility bills, school fees, or many others. They
can also withdraw cash from authorized known Mobile Money agents.
Our Mobile Money services are easily accessible, fast, and secure to our customers through
multiple channels such as USSD code, WhatsApp, Mobile application, Mobile Point of Sale(MPOS),
Web & Dynamic Scannable QR codes.
Deposit Payments: This type of mobile money payment allows businesses to collect and
accept funds/payments from Customers to Business (C2B) through the use of six(6) digits numbers
called Paybill in such a way that it enables customers to pay for various goods and services
offered by businesses via mobile phone channels.
Customers can make payments to businesses by navigating through the operator’s Mobile Money USSD
menu and/or app to effect and complete the payment transaction. The customer has to cite a
reference, business number(paybill), and amount, the transaction is finally authenticated by
password from the user’s mobile money wallet PIN.
Payout/Withdraw Payments: B2C (Business to Customers) Mobile Money Disbursement: This
type of mobile money payment allows businesses to disburse or send out funds/payments to their
payees most commonly referred to as customers, staff, volunteers, beneficiaries, or various
stakeholders. Payout payments enable businesses to perform Business To Customer (B2C)
transactions.
Mobile Money USSD Push Payment: This type of mobile money payment allows merchants/third
parties to initiate the payment request to a customer over USSD Push interaction through our
Merchant Payment API, the customer will approve the transaction by entering Mobile Money wallet
(Airtel Money, M-Pesa, Tigopesa, or Halopesa) PIN on USSD interface menu to approve and confirm
the transaction. Our Payment Gateway will finally call the callback API of the merchant with
final transaction details after the customer’s confirmation, callback API would be hosted by a
third-party system as per the given Callback API details.
Mobile Money API: Our Mobile Money Payment Gateway through APIs is able to expose send,
receive & transaction lookup Mobile Money functionalities through secured Mobile Money APIs
which support end-to-end data encryption with authorization, payload hashing with signing, and
authentication.
Our Payment Gateway allows businesses to extend the power of their existing systems such as
e-commerce sites, billing systems, or accounting systems by tapping into our Payment API, Payout
API, USSD Push Debit Payment API, or Transaction Lookup API.
Our Unique Mobile Money Features:
✓ Contactless ways for payments of goods and services.
✓ Ability to integrate/enable any existing legacy system or database with mobile money payments.
✓ We are offering extremely large transaction processing throughput(TPS) for real-time transaction settlements.
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