MainMoney connects you directly to the region's Mobile Money operators and to Visa, Mastercard and American Express. You build against one API, hold one set of credentials, and reconcile in one place.
Adding a network later is a configuration change, not a release.
Six payment rails walk in. One line walks out to your business.
Mobile Money operator
Card network
MainMoney integration point
6 connections → 1 API
— THE OLD WAY VS. MAINMONEY
Stop stitching together five different integrations.
This unified approach significantly simplifies technical integration, reduces operational costs, and delivers a fast, secure, seamless experience for both your business and your customers.
WITHOUT AN AGGREGATOR
Five relationships to manage
✕A separate contract for every operator
✕A separate SDK and API to maintain each
✕Reconciliation spread across five dashboards
✕Weeks of engineering time before launch
WITH MAINMONEY
One integration, every rail
✓One contract, one API
✓One dashboard for every transaction
✓New operators added with no new code
✓Live in days, not months
01
Why aggregate
One integration, every method
Connect once and accept every supported wallet and card. When a new operator joins the network, you accept it without shipping code.
Lower cost to run
One contract and one integration instead of a separate agreement, build and monthly reconciliation for every operator you want to accept.
Nobody gets turned away
Whichever wallet or card a customer already holds works at your checkout. You stop losing sales to the wrong payment method.
02
How it works
MainMoney is your acquirer for card and Mobile Money alike, so there is no third party between you and the money. We hold the operator and network relationships, route each payment to the right one, and settle everything into your MainMoney business account as a single ledger.
STEP 1
Customer checks out
On your site or app, from a payment link, or by scanning a QR code at the counter.
STEP 2
You call MainMoney
One request carrying the amount and the method your customer chose.
STEP 3
We route and confirm
To the right operator or card network, then back to your webhook with the outcome.
STEP 4
You get paid
Funds settle into your business account, every network in one ledger.
03
Coverage and ways to collect
The same account covers online, in-app and across-the-counter payments. Not every merchant has a developer, so two of the three routes need no code at all.
MOBILE MONEY
M-Pesampesa
Airtel Moneyairtel_money
AfriMoneyafrimoney
Orange Moneyorange_money
MTN MoMomtn_momo
CARD NETWORKS
Visacard
Mastercardcard
American Expresscard
Cards are accepted online and on MainMoney POS terminals, alongside Mobile Money, QR and palm biometric payments.
— WHY A SINGLE INTEGRATION
One unified approach that simplifies everything.
This unified approach significantly simplifies technical integration, reduces operational costs, and delivers a fast, secure, seamless payment experience for both businesses and their customers.
Integration
One contract, one API
No need to negotiate and maintain a separate technical connection per operator or bank.
Cost
Lower operational overhead
A single integration point cuts development time and ongoing maintenance costs.
Experience
Fast, secure, seamless
For your team and your customers alike, every payment runs through the same reliable path.
04
Opening a business account
Your credentials and the integration documentation both live inside the dashboard, and the dashboard needs a MainMoney Business account. There are two ways to get one, and the difference is whether a person is verified before the company is.
ROUTE AFASTEST
From the web dashboard
You go straight to the company. No individual account, no KYC.
1
Create your business account with your company's information.
2
Submit your KYB — the documents that prove the business is registered.
3
KYB validated and the full dashboard opens, documentation included.
ROUTE BMOBILE FIRST
From the MainMoney app
Best if you already use MainMoney personally, or want the app from day one.
1
Create an individual account in the app.
2
Pass KYC — your ID and a selfie, verified before you go further.
3
Create your business account from inside the app.
4
Pass KYB, then sign in to the dashboard with the same credentials.
— CHOOSE YOUR PATH
Choose the integration that suits your needs.
Two ways to connect, depending on how much control your team needs over the payment flow.
SIMPLE INTEGRATION
Payment links, no code
Ideal for businesses that want to accept payments easily, without technical complexity. Create a link from the dashboard and accept Mobile Money, cards, and QR in seconds.
ADVANCED INTEGRATION
Full API access
For teams that want to automate payments, refunds, and reconciliation directly from their own systems, with full control over the checkout experience.
— BUILT FOR DEVELOPERS
Accept your first payment in minutes.
Create a payment link with one request. Every response includes a hosted checkout URL your customers can pay from immediately.
cURL
# Create a payment link that accepts all three methodscurl -X POST https://api.mainmoney.net/v1/payment_links \ -H "Authorization: Bearer sk_live_***" \ -H "Content-Type: application/json" \ -d '{ "amount": 45000, "currency": "XOF", "methods": ["mobile_money", "card", "qr_code"], "reference": "invoice_1042" }'
Node.js
// Create a payment link that accepts all three methodsimport MainMoney from "mainmoney-node";
const mainmoney = new MainMoney(process.env.MAINMONEY_SECRET_KEY);
Eight steps from sign-up to your first live payment. Steps 1 and 2 are the account, 3 to 6 get you into the documentation, and 7 and 8 are the build. Open any step for the detail.
01Create your MainMoney Business account+
Sign up as a business and provide your company details. This becomes your Business account, the parent of every app and API credential you create.
02Submit your KYB documents+
Upload proof of business registration and beneficial ownership. KYB can stay pending in Sandbox but must be validated before you switch to Live.
03Sign in to the dashboard+
Use your Business account to sign in to the MainMoney dashboard, where you manage apps, credentials, and transactions.
04Switch to Developer mode+
Enable Developer mode from account settings to reveal API keys, webhooks, and the Sandbox/Live app toggle.
05Create a Sandbox app and take your credentials+
Create a Sandbox app to get a test secret key. Sandbox traffic never touches real funds or real customers.
06Open the integration documentation+
Read the API reference for payment links, direct API calls, and webhooks, with examples in cURL, Node.js, and PHP.
07Build and test in Sandbox+
Integrate against the Sandbox API, trigger test payments across every method, and confirm your webhook handling works.
08Create a Live app and go live+
Once KYB is validated, create a Live app, swap in your Live credentials, and start accepting real payments.
07
Sandbox and Live
Two apps in the same dashboard. Same API, same payloads — the only thing that changes is which credentials you send.
SANDBOX
LIVE
MONEY
None
Real
KYB
Can be pending
Must be validated
TO SWITCH
Swap in the Live app's credentials. Nothing else.
06
Security and compliance
Every business on the network is verified before it can move money, and test traffic never touches production.
KYB on every account
No business reaches Live mode without validated documents.
Credentials you control
A separate secret per app, rotated or revoked from the dashboard.
Isolated Sandbox
Test traffic never reaches real funds or real customers.
Certifications
PCI DSS AND LOCAL REGULATORY DETAIL — TO BE SUPPLIED
Questions
Anything not covered here, the integration team answers directly.
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