The African payout rails we run.
Eversend pays out on the mobile money and bank rails that people actually use across Africa: M-Pesa in Kenya, MTN Mobile Money and Airtel Money across East and West Africa, and NIP bank transfer to every Nigerian bank and fintech account. Each rail page below carries the measured delivery median over our last 90 days of production transfers, the exact fee, and working code.
One page per rail, with the numbers
Why rails and not countries
A country is not a rail. Nigeria has no mobile money payout at all, so a page that promises "mobile money in Nigeria" is wrong before you write a line of code. Kenya, Uganda and Ghana take both mobile money and bank. Cameroon, Rwanda, Tanzania, Zambia, Côte d'Ivoire and Senegal are mobile money only.
That's why these pages are organised by rail. The rail determines what identifier you need, how fast it lands, what the fee is, and what can fail. Pick the rail, read its spec sheet, and the market pages tell you where it reaches.
Delivery medians are computed from successful production transfers over a rolling 90 days and refresh with the data. They are not partner SLAs and they are not rounded in our favour.
Straight answers
Which mobile money rails can I pay out to in Africa by API?
M-Pesa in Kenya, MTN Mobile Money in Uganda, Ghana, Rwanda and Cameroon, and Airtel Money in Uganda, Tanzania, Rwanda and Zambia, plus Orange, Moov and Wave on the XOF rails in Côte d'Ivoire and Senegal. Each takes a phone number as the identifier. Nigeria is the exception: it pays out to bank and fintech accounts over NIP, not mobile money.
How fast do African mobile money payouts actually land?
Every measured mobile money rail we run delivers in under 95 seconds median, computed over a rolling 90 days of successful production transfers. Rwanda mobile money is the fastest at about 47 seconds. Nigerian bank payouts over NIP are about 57 seconds. Per-rail figures are on each rail page and they move with the data.
Can I pay out to any Nigerian bank account by API?
Yes, over NIP, including fintech accounts like OPay, PalmPay, Kuda and Moniepoint, which hold bank-style account numbers rather than mobile money wallets. The account holder's name is returned before you commit the payout, so you can show it to your user and avoid the most common category of misdirected transfer.