Payments API

Overview

HTTPS JSON API for collections (wallet + hosted checkout), payouts (mobile money + bank), verification, mandates/debits, metadata, and balance.

There is no sandbox: only the production API is published. Treat integration as final against live rails — that is the most reliable way to see real latency, provider behavior, and end-to-end outcomes. Use small amounts, controlled test data, and idempotent retries while you validate. See Testing mode for the amount cap and open-checkout rules that apply until Go Live.

New to the API? Start with Integration quick start below, then use the OpenAPI spec or sample payloads when wiring your client. In the merchant portal, Mojo Ai can also help with Omni API integration — paste a sample request, response, or error and ask for a fix.

All curl examples below use this base URL automatically when you read the guide on this site.

TLS 1.2+ is required. Send Content-Type: application/json and Accept: application/json on API requests unless noted otherwise.