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MTN MoMo and Airtel Money, one API

Take mobile money payments in Rwanda.

One integration, 2.5% per payment, withdraw any time. 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_a3f19c2e_..." \
  -H "Idempotency-Key: order-1043" \
  -d '{
    "amount": 5000,
    "msisdn": "250781234567",
    "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 is not a mock

Register your own numbers and get the real API, the real rails and real prompts. The phone rings, and you decide the outcome.

Your money, on your schedule

A collection is yours the moment your customer approves it: no holding period. Withdraw to your MoMo number for the same 2.5% as a payment in. Bank transfers are next.

Three steps, start to paid

1

Create an app

Sign up, create an app, and its key is on screen in seconds. It starts in test mode and the same key goes live later.

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

2.5% per successful payment, flat. No setup fee, no monthly fee, no minimum payment, and nothing to pay until you are paid. Cash outs start at 10,000 RWF.

2.5%

Per successful payment. One rate, from day one.

  • Withdraw to mobile money any time
  • Withdrawable the moment it succeeds
  • Failed payments cost nothing
  • Payouts and withdrawals at the same 2.5%
  • Serious volume gets its own rate. Ask us
Get started
RWF
Fee (2.5%)
−RWF 412
You keep
RWF 16,088

Rwandan francs only. Withdrawing to your MoMo number costs the same 2.5%, from 10,000 RWF.

Businesses already using Xendly Pay

KKareswiftserveUses Xendly Pay
SLS&S Labs LtdUses Xendly Pay
KCKwanda CorporationsUses Xendly Pay

Using Xendly Pay? Share your experience

Common questions

How long does verification take?+
Usually one working day. One document: your Rwanda Development Board registration certificate, as a PDF. Nothing else, and no forms to fill in. 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?+
A collection is withdrawable the moment it succeeds: there is no holding period. It goes to your mobile-money number for the same 2.5% as a payment in, from 10,000 RWF. You need a verified business to withdraw, which is the law, not our rule.
All questions →

Start taking payments today

Test mode is the real thing, limited to phone numbers you register. Same code, same callbacks, separate books.

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