Mobile money operators

Last updated: 2026-07-17

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

Approved public aliases and names

The catalog below contains every approved public MMO alias and display name. The public alias is the exact value returned in operators[].operator; the public name is returned in operators[].name and is intended for display.

Approval in this catalog means that the alias/name projection is safe to return to merchants. It does not mean that every listed market and direction is enabled for every merchant or environment. Discovery remains the source for account-level availability.

The approved catalog spans 21 market/currency contexts, while the planning table above lists 15 currently covered markets. A context can therefore have an approved public alias/name projection before it appears in the coverage table. Do not infer availability from the alias catalog; use /catalog and operator discovery for the current account and environment.

Some aliases have more than one approved display name. Always display the name returned by the current discovery response and send only its paired operator alias in the payment request. Do not substitute a different approved name for the returned alias.

Execution-specific codes are intentionally not listed. Send only the public alias returned by discovery. Voucher-based pay-in aliases, such as OTT_VOUCHER, use the request shape in Vouchers.

An em dash means the approved catalog has no alias/name row for that direction; it is not a statement that the payment direction is supported or unsupported.

Market context	Approved pay-in public aliases and names	Approved pay-out public aliases and names
Burkina Faso (`BF` / `XOF`)	`CORIS` - Coris `MOOV` - Moov `ORANGE` - Orange	—
Benin (`BJ` / `XOF`)	`CELTIIS` - Celtiis Cash `MOOV` - Moov / Moov Benin `MTN` - MTN / MTN Benin	`MOOV` - Moov Benin `MTN` - MTN Benin
Botswana (`BW` / `BWP`)	`OTT_VOUCHER` - Botswana OTT Voucher	—
Democratic Republic of the Congo (`CD` / `CDF`)	`AFRIMONEY` - AfriMoney `AIRTEL` - Airtel `MPESA` - Vodacom M-Pesa `ORANGE` - Orange	—
Democratic Republic of the Congo (`CD` / `USD`)	`AFRIMONEY` - AfriMoney `AIRTEL` - Airtel `MPESA` - Vodacom M-Pesa `ORANGE` - Orange	—
Republic of the Congo (`CG` / `XAF`)	`MTN` - MTN	—
Cote d'Ivoire (`CI` / `XOF`)	`MOOV` - Moov / Moov Cote d'Ivoire `MTN` - MTN / MTN Cote d'Ivoire / MTN Ivory Coast `ORANGE` - Orange / Orange Cote d'Ivoire / Orange Ivory Coast `WAVE` - Wave / Wave Cote d'Ivoire	`MOOV` - Moov Cote d'Ivoire `MTN` - MTN Cote d'Ivoire / MTN Ivory Coast `ORANGE` - Orange Cote d'Ivoire / Orange Ivory Coast `WAVE` - Wave Cote d'Ivoire
Cameroon (`CM` / `XAF`)	`MTN` - MTN `ORANGE` - Orange	`MTN` - MTN Cameroon `ORANGE` - Orange Cameroon
Egypt (`EG` / `EGP`)	`FAWRY` - Fawry Egypt `MEEZA` - Meeza Egypt	—
Ghana (`GH` / `GHS`)	`AIRTELTIGO` - AirtelTigo Money `MTN` - MTN Ghana `TELECEL` - Telecel Cash	`AIRTELTIGO` - AirtelTigo Money `MTN` - MTN Ghana `TELECEL` - Telecel Cash
Gambia (`GM` / `GMD`)	`AFRIMONEY` - AfriMoney `APS` - APS `QMONEY` - QMoney `WAVE` - Wave	`AFRIMONEY` - AfriMoney `QMONEY` - QMoney `WAVE` - Wave
Guinea (`GN` / `GNF`)	`MTN` - MTN `ORANGE` - Orange	—
Kenya (`KE` / `KES`)	`AIRTEL` - Airtel Kenya `MPESA` - M-Pesa	`AIRTEL` - Airtel Kenya `MPESA` - M-Pesa
Mali (`ML` / `XOF`)	`MOOV` - Moov `ORANGE` - Orange	—
Malawi (`MW` / `MWK`)	`AIRTEL` - Airtel Malawi `TNM` - TNM Mpamba	`AIRTEL` - Airtel Malawi `TNM` - TNM Mpamba
Nigeria (`NG` / `NGN`)	`AIRTEL` - Airtel Nigeria `MTN` - MTN Nigeria	`AIRTEL` - Airtel Nigeria `MTN` - MTN Nigeria
Senegal (`SN` / `XOF`)	`MIXX` - Mixx by Yas `ORANGE` - Orange / Orange Money Senegal / Orange Senegal `WAVE` - Wave / Wave Senegal	`MIXX` - Mixx by Yas `ORANGE` - Orange Money Senegal / Orange Senegal `WAVE` - Wave Senegal
Togo (`TG` / `XOF`)	`MIXX` - Mixx by Yas `MOOV` - Moov	—
Tanzania (`TZ` / `TZS`)	`AIRTEL` - Airtel Tanzania `HALOPESA` - HaloPesa `MIXX` - Mixx by Yas `MPESA` - Vodacom M-Pesa	`AIRTEL` - Airtel Tanzania `HALOPESA` - HaloPesa `MIXX` - Mixx by Yas `MPESA` - Vodacom M-Pesa
Uganda (`UG` / `UGX`)	`AIRTEL` - Airtel Uganda `MTN` - MTN Uganda	`AIRTEL` - Airtel Uganda `MTN` - MTN Uganda
Zambia (`ZM` / `ZMW`)	`AIRTEL` - Airtel Zambia `MTN` - MTN Zambia `ZAMTEL` - Zamtel Zambia	`AIRTEL` - Airtel Zambia `MTN` - MTN Zambia `ZAMTEL` - Zamtel Zambia

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 Ghana" }
  ]
}

For standard mobile money, display operators[].name and reuse operators[].operator in mobileMoneyDetails.operator for direct pay-ins or in mobileMoneyOperator for hosted initialization when the market requires an operator.

For mobile money transfer, call the same endpoint with paymentMethod=PAYMENT_METHOD_MOBILE_MONEY_TRANSFER. Reuse the returned rail code in mobileMoneyOperator for hosted initialization or mobileMoneyTransferDetails.operator for direct creation.

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 Ghana" }
  ]
}

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

Integration rules

Build pay-in, transfer-rail, and pay-out 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​

Approved public aliases and names​

Pay-in operator discovery​

Pay-out operator discovery​

Integration rules​

Covered markets

Approved public aliases and names

Pay-in operator discovery

Pay-out operator discovery

Integration rules