Mobile money operators

Last updated: 2026-05-22

Mobile-money operator codes are returned by discovery endpoints for the selected market and request context. Use this page as the consolidated operator snapshot and discovery reference for product coverage and integration planning.

Covered markets

Country	Country code	Currency	Discovery rule
Nigeria	`NG`	`NGN`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
South Africa	`ZA`	`ZAR`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Tanzania	`TZ`	`TZS`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Ghana	`GH`	`GHS`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Kenya	`KE`	`KES`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Egypt	`EG`	`EGP`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Cameroon	`CM`	`XAF`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Cote d'Ivoire	`CI`	`XOF`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Burkina Faso	`BF`	`XOF`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Benin	`BJ`	`XOF`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Malawi	`MW`	`MWK`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Zambia	`ZM`	`ZMW`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Gambia	`GM`	`GMD`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Uganda	`UG`	`UGX`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`
Botswana	`BW`	`BWP`	Read `/catalog`; call MMO discovery when the selected direction returns `mobile_money`

Operator snapshot

Snapshot date: 2026-05-22. Display name in your checkout or payout UI and send operator unchanged in API requests. Discovery remains the runtime source for the operators enabled for your merchant account, environment, market, and request context.

Voucher-based pay-in operators, such as BWVCH, require the voucher request shape described in Vouchers.

Market	Pay-in operators	Pay-out operators
Burkina Faso (`BF` / `XOF`)	`MOMCIV` - MTN `MOOBEN` - MOOV `MOOV` - MOOV BFA `MTNBEN` - MTN `ORANGE` - ORANGE BFA `WAVCIV` - WAVE `WAVE` - WAVE BFA	No pay-out operator values in this snapshot
Benin (`BJ` / `XOF`)	`MOMCIV` - MTN `MOOBEN` - MOOV `MOOV` - MOOV BFA `MTNBEN` - MTN `ORANGE` - ORANGE BFA `WAVCIV` - WAVE `WAVE` - WAVE BFA	`MOMCIV` - MTN `MOOBEN` - MOOV `MTNBEN` - MTN `WAVCIV` - WAVE
Cameroon (`CM` / `XAF`)	No pay-in operator values in this snapshot	`MTNCMR` - MTN `ORACMR` - ORANGE `MTN-CM` - MTN `ORANGE-CM` - Orange
Cote d'Ivoire (`CI` / `XOF`)	`MOMCIV` - MTN `MOOBEN` - MOOV `MOOV` - MOOV BFA `MTNBEN` - MTN `ORANGE` - ORANGE BFA `WAVCIV` - WAVE `WAVE` - WAVE BFA	`MOMCIV` - MTN `MOOBEN` - MOOV `MTNBEN` - MTN `WAVCIV` - WAVE `MTN-CI` - MTN `ORANGE-CI` - Orange
Egypt (`EG` / `EGP`)	`EGFAW` - Fawry Egypt `EGMEE` - Meeza Egypt	No pay-out operator values in this snapshot
Gambia (`GM` / `GMD`)	`GMQMO` - QMoney Gambia	`africell` - Africell `qcell` - Qcell `wave` - Wave
Ghana (`GH` / `GHS`)	`AIR` - AIRTELTIGO MONEY `MTN` - MTN MOBILE MONEY `VOD` - VODAFONE CASH	`AIR` - AIRTELTIGO MONEY `MTN` - MTN MOBILE MONEY `VOD` - VODAFONE CASH `AIRTEL-GH` - AIRTEL `MTN-GH` - MTN `VODAFONE-GH` - VODAFONE `AIRTELTIGO_GH` - AirtelTigo Money `MTN_GH` - MTN Mobile Money `VODAFONE_GH` - Vodafone Cash
Kenya (`KE` / `KES`)	`KESAF` - M-Pesa Kenya	`KEAIR` - AIRTEL KENYA `KESAF` - MPESA KENYA
Malawi (`MW` / `MWK`)	`AIRTEL-MWK` - AIRTEL `MWK` - Malawi TNM Mpamba	`AIRTEL-MWK` - AIRTEL `MWK` - Malawi TNM Mpamba
Botswana (`BW` / `BWP`)	`BWVCH` - Botswana OTT Voucher	No pay-out operator values in this snapshot
Tanzania (`TZ` / `TZS`)	`TIGTZA` - TIGO `AIRTZA` - AIRTEL `HALTZA` - HALOTEL	`TIGTZA` - TIGO `AIRTZA` - AIRTEL `HALTZA` - HALOPESA

Pay-in operator discovery

curl -G "https://merchants-api.example.com/merchant/api/v1/payins/mmo" \
  -H "Authorization: Bearer pk_test_..." \
  --data-urlencode "countryCode=GH" \
  --data-urlencode "paymentMethod=PAYMENT_METHOD_MOBILE_MONEY" \
  --data-urlencode "trafficVertical=TRAFFIC_VERTICAL_OTHER"

Response:

{
  "operators": [
    { "operator": "MTN", "name": "MTN MOBILE MONEY" }
  ]
}

Use operators[].name for display and reuse operators[].operator exactly as returned in mobileMoneyOperator for H2P pay-ins or mobileMoneyDetails.operator for H2H pay-ins.

Pay-out operator discovery

curl -G "https://merchants-api.example.com/merchant/api/v1/payouts/mmo" \
  -H "Authorization: Bearer pk_test_..." \
  --data-urlencode "countryCode=GH" \
  --data-urlencode "paymentMethod=PAYMENT_METHOD_MOBILE_MONEY" \
  --data-urlencode "trafficVertical=TRAFFIC_VERTICAL_OTHER"

Response:

{
  "operators": [
    { "operator": "MTN", "name": "MTN MOBILE MONEY" }
  ]
}

Use operators[].name for display and reuse operators[].operator exactly as returned in mobileMoneyDetails.operator for mobile-money pay-outs.

Integration rules

Build operator selectors from discovery responses.
Store the selected operator together with the payment reference on your side.
Send the same countryCode, paymentMethod, trafficVertical, and customerSegment context in discovery and payment requests.
Do not treat operator codes as public enums; use the returned values exactly as discovery data.

Covered markets​

Operator snapshot​

Pay-in operator discovery​

Pay-out operator discovery​

Integration rules​

Covered markets

Operator snapshot

Pay-in operator discovery

Pay-out operator discovery

Integration rules