Covering 85% of Africa’s mobile money wallets across 42 MMOs
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Collect and send mobile money payments through these operators with one PawaPay integration.Available services vary by operator; see Fees for details.
PawaPay operates through two models, depending on the regulatory requirements in each market.
Whichever model applies, you integrate once with PawaPay through the same API, with the same operational support and standardised reconciliation across markets.

PawaPay holds the relevant regulatory permissions and relationships with local payment providers. We collect funds on your behalf and manage settlement to you.

You hold the required accounts with local payment providers and funds settle directly to you. PawaPay manages payment processing, transaction status and reconciliation through our platform.
PawaPay currently operates through the Orchestration model in Lesotho, Liberia, Mali, Nigeria and South Sudan.