Mobile Money infrastructure
On requestAccept payments across Africa. With one infrastructure.
Collection and disbursement to Mobile Money wallets, transaction tracking, webhooks and reconciliation: everything you need to operate at scale without integrating each operator.
Pay-in · collection
Illustrative examplePayment request sent
Order ORD-88412 · customer approves on their phone
25 000 F
Payout · bulk disbursement
PAYROLL-0425- +225 07 •• •• 12150 000 F
- +221 77 •• •• 4882 500 F
- +223 76 •• •• 0340 000 F
- +226 70 •• •• 9165 000 F
Pay-in & payout
Collect and pay out, in one place
A single layer between your product and Mobile Money operators, so you can focus on your customers.
Collection (pay-in)
Request a payment from your customer’s wallet; they approve on their phone. Ideal for invoices, subscriptions and orders.
Disbursement (payout)
Send funds to wallets: partner payments, refunds, salaries, seller earnings.
Bulk payouts
Upload a batch of beneficiaries and track every line individually.
Transaction tracking
Normalized statuses across operators: pending, succeeded, failed, refunded.
Webhooks
Receive an event on every status change and update your system automatically.
Reconciliation
Reports by period, operator and reference to match your books without effort.
Network
Our network of connected operators
Send Chap connects to the leading Mobile Money wallets, telecom operators and money transfer services across Africa, as well as Interac in Canada. One integration to collect and pay across the whole network.
Availability of each operator varies by country and operation type (collection or payout).
Mobile Money · 11
- Orange Money
- MTN Mobile Money
- Moov Money
- Wave
- Airtel Money
- Free Money
T-Money
Telecel Money
My Celtiis Cash
E-Money
Celpaid Money
Telecom operators · 2
Telecel
Zamani Telecom
Money transfer services · 2
Amana Transfert
NITA Transfert
Payment networks · 1
Interac
Operational visibility
Every franc collected, accounted for.
A dashboard and reports built for finance and operations teams: find any transaction by reference, track failures and export statements.
- Merchant reference kept end to end
- Consistent statuses across operators
- Exports for accounting and reconciliation
- Test environment for your developers
Transactions
Search a referenceCollected
Paid out
Pending
Who it’s for
A building block for your products
Wallet top-up and cash-out
Let users fund their account and withdraw funds via Mobile Money.
Pay at checkout
Offer Mobile Money at checkout and automatically pay out your marketplace sellers.
Mass payments
Pay agents, couriers, partners or staff in a single operation.
Integration
From access request to production
- 1
Request access
Tell us about your project, target countries and volumes.
- 2
Verification
KYB, compliance review and contract signature.
- 3
Test integration
Test keys, documentation and technical support.
- 4
Go live
Activation country by country, operator by operator.
Frequently asked questions
Which operators are supported?
Coverage depends on the country. Orange Money, MTN Mobile Money, Moov Money and Wave are among the targeted operators; the up-to-date list of live integrations is shared during onboarding.
Which countries?
Our priority is French-speaking West Africa. The list of open countries is confirmed by our sales team.
How am I notified of a successful payment?
By webhook, by querying the status via the API, and in your dashboard.
Can I test before going live?
Yes, a test environment is provided once your access request is approved.
Explore further
Let's build your international payments together.
Talk to our team about your volumes, corridors and integration needs.
