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— PAYMENT AGGREGATION

Every way they pay.

One integration.

MainMoney connects you directly to the region's Mobile Money operators and to Visa, Mastercard and American Express. You build against one API, hold one set of credentials, and reconcile in one place.

Adding a network later is a configuration change, not a release.

Create a business accountIntegration guide
5
Mobile Money operators
3
Card networks
1
Integration to maintain
WHAT YOUR CUSTOMER SEESMainMoney Checkout
Amount due25 000 CDF
Orange Money
Selected at checkout
Confirm payment
ON THIS PAGE
VisaAmerican ExpressM-PesaAirtel MoneyOrange MoneyMTN MoMoAfriMoneyVisaAmerican ExpressM-PesaAirtel MoneyOrange MoneyMTN MoMoAfriMoney
— THE SHAPE OF ONE INTEGRATION

Six payment rails walk in.
One line walks out to your business.

M-PesaM-PesaMMM-PesaAirtel MoneyMMAfriMoneyMMOrange MoneyMMMTN MoMoMMVisaCARDMainMoneyONE APIYour business
Payments flowing in real time
Mobile Money operator
Card network
MainMoney integration point
6 connections → 1 API
— THE OLD WAY VS. MAINMONEY

Stop stitching together five different integrations.

This unified approach significantly simplifies technical integration, reduces operational costs, and delivers a fast, secure, seamless experience for both your business and your customers.

WITHOUT AN AGGREGATOR

Five relationships to manage

✕A separate contract for every operator
✕A separate SDK and API to maintain each
✕Reconciliation spread across five dashboards
✕Weeks of engineering time before launch
WITH MAINMONEY

One integration, every rail

✓One contract, one API
✓One dashboard for every transaction
✓New operators added with no new code
✓Live in days, not months
01

Why aggregate

One integration, every method

Connect once and accept every supported wallet and card. When a new operator joins the network, you accept it without shipping code.

Lower cost to run

One contract and one integration instead of a separate agreement, build and monthly reconciliation for every operator you want to accept.

Nobody gets turned away

Whichever wallet or card a customer already holds works at your checkout. You stop losing sales to the wrong payment method.

02

How it works

MainMoney is your acquirer for card and Mobile Money alike, so there is no third party between you and the money. We hold the operator and network relationships, route each payment to the right one, and settle everything into your MainMoney business account as a single ledger.

STEP 1

Customer checks out

On your site or app, from a payment link, or by scanning a QR code at the counter.

STEP 2

You call MainMoney

One request carrying the amount and the method your customer chose.

STEP 3

We route and confirm

To the right operator or card network, then back to your webhook with the outcome.

STEP 4

You get paid

Funds settle into your business account, every network in one ledger.

03

Coverage and ways to collect

The same account covers online, in-app and across-the-counter payments. Not every merchant has a developer, so two of the three routes need no code at all.

MOBILE MONEY
M-Pesampesa
Airtel Moneyairtel_money
AfriMoneyafrimoney
Orange Moneyorange_money
MTN MoMomtn_momo
CARD NETWORKS
VisaVisacard
Mastercardcard
American Expresscard

Cards are accepted online and on MainMoney POS terminals, alongside Mobile Money, QR and palm biometric payments.

— WHY A SINGLE INTEGRATION

One unified approach that simplifies everything.

This unified approach significantly simplifies technical integration, reduces operational costs, and delivers a fast, secure, seamless payment experience for both businesses and their customers.

Integration

One contract, one API

No need to negotiate and maintain a separate technical connection per operator or bank.

Cost

Lower operational overhead

A single integration point cuts development time and ongoing maintenance costs.

Experience

Fast, secure, seamless

For your team and your customers alike, every payment runs through the same reliable path.

04

Opening a business account

Your credentials and the integration documentation both live inside the dashboard, and the dashboard needs a MainMoney Business account. There are two ways to get one, and the difference is whether a person is verified before the company is.

ROUTE AFASTEST

From the web dashboard

You go straight to the company. No individual account, no KYC.

1
Create your business account with your company's information.
2
Submit your KYB — the documents that prove the business is registered.
3
KYB validated and the full dashboard opens, documentation included.
ROUTE BMOBILE FIRST

From the MainMoney app

Best if you already use MainMoney personally, or want the app from day one.

1
Create an individual account in the app.
2
Pass KYC — your ID and a selfie, verified before you go further.
3
Create your business account from inside the app.
4
Pass KYB, then sign in to the dashboard with the same credentials.
— CHOOSE YOUR PATH

Choose the integration that suits your needs.

Two ways to connect, depending on how much control your team needs over the payment flow.

SIMPLE INTEGRATION

Payment links, no code

Ideal for businesses that want to accept payments easily, without technical complexity. Create a link from the dashboard and accept Mobile Money, cards, and QR in seconds.

ADVANCED INTEGRATION

Full API access

For teams that want to automate payments, refunds, and reconciliation directly from their own systems, with full control over the checkout experience.

05

The integration guide

Huit étapes de l'inscription à votre premier paiement en production. Les étapes 1 et 2 concernent le compte, les étapes 3 à 6 vous mènent à la documentation, et les étapes 7 et 8 sont le développement. Choisissez une étape pour le détail.

The steps
01
Create your MainMoney Business account
Sign up as a business with your company details. Every app and credential you create later sits under this account.
02
Submit your KYB documents
Proof of business registration and beneficial ownership. KYB can stay pending in Sandbox, but must be validated before you go live.
ONCE KYB IS VALIDATED — PICK YOUR ROUTE
MainMoney
NO CODE
Cliquez sur MainMoney pour les liens de paiement. Créez un lien, partagez-le, soyez payé — rien à développer. Vous avez terminé ici.
Developer Platform
FULL INTEGRATION
Cliquez sur Plateforme Développeur pour les clés API, les webhooks et la documentation d'intégration. Continuez avec l'étape 03.
03
Create a Sandbox app and build against it
Take your test secret key, integrate, and trigger test payments across every method. Sandbox never touches real funds.
04
Create a Live app and go live
Swap in your Live credentials and start accepting real payments. Same API, same payloads.

— BUILT FOR DEVELOPERS

Accept your first payment in minutes.

Create a payment link with one request. Every response includes a hosted checkout URL your customers can pay from immediately.

CUSTOMER PAYS WITH
Orange Money
M-Pesa
Airtel Money
MTN MoMo
AfriMoney
Bank Card
cURL
Node
Python
PHP
REQUEST
curl -X POST $BASE/payments \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "CDF",
    "method": "mobile_money",
    "provider": "orange_money "
  }'
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "",
  "amount": 25000,
  "currency": "CDF"
}
REQUEST
const res = await mainmoney.payments.create({
  amount: 25000,
  currency: "CDF",
  method: "mobile_money",
  provider: "o"
});
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "o",
  amount: 25000,
  currency: "CDF"
}
then your webhook fires
status: "succeeded"
REQUEST
requests.post(  
          f"{BASE}/payments",    
           headers={"Authorization": f"Bearer {access_token}"},  
          json={        
                  "amount": 25000,      
                    "currency": "CDF",        
                    "method": "mobile_money",      
                    "provider": "orange_money",    
           },
    )
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "o",
  amount: 25000,
  currency: "CDF"
}
then your webhook fires
status: "succeeded"
REQUEST
$res = $mainmoney->payments->create([
  'amount' => 25000,
  'currency' => 'CDF',
  'method' => 'mobile_money',
  'provider' => 'o'
]);
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "o",
  "amount": 25000,
  "currency": "CDF"
}
then your webhook fires
status: "succeeded"
cURL
Node
Python
PHP
REQUEST
curl -X POST $BASE/payments \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "CDF",
    "method": "mobile_money",
    "provider": "mpesa"
  }'
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "mpesa",
  "amount": 25000,
  "currency": "CDF"
}
REQUEST
const res = await mainmoney.payments.create({
  amount: 25000,
  currency: "CDF",
  method: "mobile_money",
  provider: "mpesa"
});
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "mpesa",
  amount: 25000,
  currency: "CDF"
}
REQUEST
requests.post(  
          f"{BASE}/payments",    
           headers={"Authorization": f"Bearer {access_token}"},  
          json={        
                  "amount": 25000,      
                    "currency": "CDF",        
                    "method": "mobile_money",      
                    "provider": "mpesa",    
           },
    )
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "mpesa",
  amount: 25000,
  currency: "CDF"
}
REQUEST
$res = $mainmoney->payments->create([
  'amount' => 25000,
  'currency' => 'CDF',
  'method' => 'mobile_money',
  'provider' => 'mpesa'
]);
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "mpesa",
  "amount": 25000,
  "currency": "CDF"
}
cURL
Node
Python
PHP
REQUEST
curl -X POST $BASE/payments \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "CDF",
    "method": "mobile_money",
    "provider": "airtel_money"
  }'
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "airtel_money",
  "amount": 25000,
  "currency": "CDF"
}
REQUEST
const res = await mainmoney.payments.create({
  amount: 25000,
  currency: "CDF",
  method: "mobile_money",
  provider: "airtel_money"
});
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "airtel_money",
  amount: 25000,
  currency: "CDF"
}
REQUEST
requests.post(  
          f"{BASE}/payments",    
           headers={"Authorization": f"Bearer {access_token}"},  
          json={        
                  "amount": 25000,      
                    "currency": "CDF",        
                    "method": "mobile_money",      
                    "provider": "airtel_money",    
           },
    )
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "airtel_money",
  amount: 25000,
  currency: "CDF"
}
REQUEST
$res = $mainmoney->payments->create([
  'amount' => 25000,
  'currency' => 'CDF',
  'method' => 'mobile_money',
  'provider' => 'airtel_money'
]);
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "airtel_money",
  "amount": 25000,
  "currency": "CDF"
}
cURL
Node
Python
PHP
REQUEST
curl -X POST $BASE/payments \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "CDF",
    "method": "mobile_money",
    "provider": "mtn_momo"
  }'
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "mtn_momo",
  "amount": 25000,
  "currency": "CDF"
}
REQUEST
const res = await mainmoney.payments.create({
  amount: 25000,
  currency: "CDF",
  method: "mobile_money",
  provider: "mtn_momo"
});
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "mtn_momo",
  amount: 25000,
  currency: "CDF"
}
REQUEST
requests.post(  
          f"{BASE}/payments",    
           headers={"Authorization": f"Bearer {access_token}"},  
          json={        
                  "amount": 25000,      
                    "currency": "CDF",        
                    "method": "mobile_money",      
                    "provider": "mtn_momo",    
           },
    )
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "mtn_momo",
  amount: 25000,
  currency: "CDF"
}
REQUEST
$res = $mainmoney->payments->create([
  'amount' => 25000,
  'currency' => 'CDF',
  'method' => 'mobile_money',
  'provider' => 'mtn_momo'
]);
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "mtn_momo",
  "amount": 25000,
  "currency": "CDF"
}
cURL
Node
Python
PHP
REQUEST
curl -X POST $BASE/payments \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "CDF",
    "method": "mobile_money",
    "provider": "afrimoney"
  }'
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "afrimoney",
  "amount": 25000,
  "currency": "CDF"
}
REQUEST
const res = await mainmoney.payments.create({
  amount: 25000,
  currency: "CDF",
  method: "mobile_money",
  provider: "afrimoney"
});
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "afrimoney",
  amount: 25000,
  currency: "CDF"
}
REQUEST
requests.post(  
          f"{BASE}/payments",    
           headers={"Authorization": f"Bearer {access_token}"},  
          json={        
                  "amount": 25000,      
                    "currency": "CDF",        
                    "method": "mobile_money",      
                    "provider": "afrimoney",    
           },
    )
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "mobile_money",
  provider: "afrimoney",
  amount: 25000,
  currency: "CDF"
}
REQUEST
$res = $mainmoney->payments->create([
  'amount' => 25000,
  'currency' => 'CDF',
  'method' => 'mobile_money',
  'provider' => 'afrimoney'
]);
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "mobile_money",
  "provider": "afrimoney",
  "amount": 25000,
  "currency": "CDF"
}
cURL
Node
Python
PHP
REQUEST
curl -X POST $BASE/payments \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "CDF",
    "method": "card"
}'
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "card",
  "amount": 25000,
  "currency": "CDF"
}
REQUEST
const res = await mainmoney.payments.create({
  amount: 25000,
  currency: "CDF",
  method: "card",
});
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "card", 
  amount: 25000,
  currency: "CDF"
}
REQUEST
requests.post(  
          f"{BASE}/payments",    
           headers={"Authorization": f"Bearer {access_token}"},  
          json={        
                  "amount": 25000,      
                    "currency": "CDF",        
                    "method": "card"    
           },
    )
RESPONSE · 201
{
  id: "pay_8Kf2mQ4Ln",
  status: "pending",
  method: "card",
  amount: 25000,
  currency: "CDF"
}
REQUEST
$res = $mainmoney->payments->create([
  'amount' => 25000,
  'currency' => 'CDF',
  'method' => 'card'
]);
RESPONSE · 201
{
  "id": "pay_8Kf2mQ4Ln",
  "status": "pending",
  "method": "card",
  "amount": 25000,
  "currency": "CDF"
}
Change the method and one field changes. The rest of your code does not.
06SANDBOX AND LIVE

Two apps, one dashboard.

Same API, same payloads — the only thing that changes is which credentials you send.

SANDBOX
LIVE
MONEY
None
Real
KYB
Can be pending
Must be validated
SWITCH
Swap in the Live app's credentials. Nothing else.
07SECURITY AND COMPLIANCE

Built to be trusted.

Every business is verified before it can move money, and test traffic never touches production.

KYB on every account
No business reaches Live mode without validated documents.
Credentials you control
A separate secret per app, rotated or revoked from the dashboard.
Isolated Sandbox
Test traffic never reaches real funds or real customers.
Tokenization at capture
Card details are exchanged for a token the moment they are entered. We store the token, never the number.

Questions

Anything not covered here, the integration team answers directly.

Contact us →
Which Mobile Money operators are supported?+
MainMoney is directly connected to M-Pesa, Airtel Money, AfriMoney, Orange Money, and MTN Mobile Money (MoMo), alongside the Visa card network.
Do I need a personal MainMoney account to open a business account?+
No. A Business account is created independently and isn't linked to a personal wallet.
Where is the integration documentation?+
Inside the dashboard, once Developer mode is switched on — no separate login required.
Can I accept payments without writing any code?+
Yes. Payment links can be created and shared in seconds from the dashboard, with all three payment methods enabled automatically.
How do I know a payment succeeded?+
Your webhook fires with the final status, and the same result is visible in your dashboard ledger.
Is there a test environment?+
Yes. Sandbox mirrors Live exactly, with test credentials and no real money movement.

Open an account and start building today.

Sandbox is free, the documentation is one toggle away, and going live is a credential swap.

Create a business accountTalk to sales
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