How to integrate mobile money payouts
Mobile money payouts across Africa come down to one pattern: a phone number as the account, a rail string per network, and webhooks for settlement. Eversend's /v1/payouts covers M-Pesa, MTN MoMo, Airtel Money and more through one endpoint, with measured delivery medians per market.
The account is a phone number
Mobile money wallets are addressed by MSISDN, the recipient's phone number in international format. There is no account-number validation dance: the number is the account, and on rails that support it the wallet holder's name comes back before you commit.
One endpoint, every network
The rail is a string. M-Pesa in Kenya, MTN MoMo in Uganda or Ghana, Airtel Money where it dominates: the call is identical, only rail and currency change.
Design for the webhook, not the response
The API response confirms acceptance; the delivered webhook confirms money in the wallet. Medians run from under a minute to a couple of minutes depending on the market, so build your UI around the event, and show your user the measured expectation rather than a spinner.
Fees are flat and on the quote
Mobile money payout fees are flat or percentage per market and returned on every quote before you commit. No spread games: the FX rate you see on the quote is the rate that settles.
See the rails, measured.
Per-market medians from 90 days of production transfers, on the rail pages.
MTN Mobile Money API