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MTN MoMo and Airtel Money, one API

Take mobile money payments in Rwanda.

One integration, free withdrawals, 3.1% per payment, dropping to 2.3% after 3 months. Build the whole thing in test mode today and flip one key when you're verified.

Start in test modeRead the docs

Rwandan francs only, over MTN MoMo and Airtel Money. No setup fee, no monthly fee. You pay when you get paid.

curl https://api.xendlypay.com/v1/payments \
  -H "Authorization: Bearer xpay_live_..." \
  -H "Idempotency-Key: order-1043" \
  -d '{
    "amount": 5000,
    "msisdn": "0788924941",
    "description": "Order #1043"
  }'

Live in an afternoon

One POST takes a payment. Webhooks tell you when it lands, signed so you can trust them, retried until your server says 200.

Built to not double-charge

Idempotency keys, an authoritative status poll behind every webhook, and a double-entry ledger under all of it.

A test mode that behaves

Register your own numbers and get the real API: same statuses, same webhooks, same failures, with nobody's money moving.

Your money, on your schedule

Collections settle in 24 hours and withdraw to your MoMo number for free. Bank transfers are next.

Three steps, start to paid

1

Create an app

Sign up, and you get a test app and a test key immediately. Nothing to wait for.

2

Take a payment

POST an amount and a phone number. Your customer approves the prompt on their phone.

3

Get the webhook

We POST payment.succeeded to your server, signed, and retry until you acknowledge it.

Pricing

3.1% to start, 2.3% after 3 months. No setup fee, no monthly fee, no minimum, and nothing to pay until you are paid.

3.1%

Your first 3 months

2.3%

After that, automatically

The drop is not something you have to ask for, negotiate, or qualify for by volume. Three months after your first live payment, the rate changes on its own.

  • Free withdrawals to mobile money
  • Settled in 24 hours
  • Failed payments cost nothing
  • Test mode is free and unlimited
  • Serious volume gets its own rate. Ask us
Get started
RWF
Fee for your first 3 months (3.1%)
−RWF 511
You keep
RWF 15,989
Fee after that (2.3%)
−RWF 379
You keep
RWF 16,121

Rwandan francs only. Withdrawing to your MoMo number costs nothing.

Common questions

How long does verification take?+
Usually one working day. You need a Rwanda Development Board registration certificate; we ask for a TIN and a director's ID as well. You can build the entire integration in test mode before, during and after.
What do I need to start?+
An email address. Test mode needs nothing else. Sign up and you get a key straight away.
When can I withdraw?+
Collections become withdrawable 24 hours after they succeed, then go to your mobile-money number for free.
All questions →

Start taking payments today

Test mode is free, instant, and behaves exactly like the real thing.

Create an account