Collections (Pay-in)
Charge customers over mobile money, bank, or card and reconcile automatically.
Introduction
Pay and spend anywhere in Africa. PayHero Africa is payment infrastructure that lets you collect and disburse money across the continent over a single, unified API — mobile money, bank, and card rails, in multiple currencies and countries.
Whether you’re building a remittance product, paying suppliers across borders, collecting from customers over M-Pesa, or funding wallets, PayHero handles the complexity of moving money between providers, networks, and currencies — and settles directly to your bank account, Paybill, or Till, so there’s no float sitting somewhere else and no waiting for payouts.
What you can build
Section titled “What you can build”Disbursements (Pay-out)
Send money to phones, Paybills, Tills, and bank accounts across countries.
Cross-border payments
Move money between currencies — collect in one market, pay out in another.
Wallet funding & remittances
Top up wallets and power remittance flows with a single integration.
How it works
Section titled “How it works”- Authenticate with an API key (username + password) generated on your PayHero dashboard. See Authentication.
- Discover the rails, providers, and networks available for a country (for global payments). See How routing works.
- Create a payment — a collection or a payout — through the relevant endpoint.
- Receive the result asynchronously on your callback URL. See Callbacks & Webhooks.
Rails & coverage
Section titled “Rails & coverage”- Mobile money (MoMo) — M-Pesa, Airtel Money, and partner wallets.
- Bank — major banks including I&M, Absa, Equity, DTB, Standard Chartered, Stanbic, KCB and more.
- Card — where supported per country.
Countries currently include Kenya, Tanzania, Zambia, Botswana, Nigeria and others, each with its own currency and provider set.
Two ways to integrate
Section titled “Two ways to integrate”| Surface | Endpoints | Best for |
|---|---|---|
| Kenya (V1) | /api/v2/payments, /api/v2/withdraw |
Kenya collections & payouts over M-Pesa wallets, Paybill, and Till. |
| Global | /api/global/payments |
A single unified endpoint for pay-in and pay-out across all supported countries. |
Next steps
Section titled “Next steps”AuthenticationGenerate and use your dashboard API key.
QuickstartMake your first API call in minutes.
Kenya (V1)Collections & payouts over the V1 endpoints.
Global PaymentsDiscovery-driven pay-in and pay-out across countries.
Callbacks & WebhooksReceive final transaction results.