Full coverage across 23 countries.

Covering 85% of Africa’s mobile money wallets across 42 MMOs

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West Africa

Flag of Benin
Benin
Flag of Burkina Faso
Burkina Faso
Flag of Cameroon
Cameroon
Flag of Ghana
Ghana
Flag of Ivory Coast
Ivory Coast
Flag of Liberia
Liberia
Flag of Mali
Mali
Flag of Nigeria
Nigeria
Flag of Senegal
Senegal
Flag of Sierra Leone
Sierra Leone

Central Africa

Flag of the Republic of the Congo
Congo-Brazzaville
Flag of the Democratic Republic of the Congo
DRC
Flag of Gabon
Gabon

Southern Africa

Flag of Lesotho
Lesotho
Flag of Malawi
Malawi
Flag of Mozambique
Mozambique
Flag of Zambia
Zambia

East Africa

Flag of Ethiopia
Ethiopia
Flag of Kenya
Kenya
Flag of Rwanda
Rwanda
Flag of South Sudan
South Sudan
Flag of Tanzania
Tanzania
Flag of Uganda
Uganda

Mobile money operators by country

Collect and send mobile money payments through these operators with one PawaPay integration.Available services vary by operator; see Fees for details.

Mobile money operators available through PawaPay, by country (23 markets)
RegionCountryMobile money operators
West AfricaBeninMTN, Moov
West AfricaBurkina FasoOrange, Moov
West AfricaCameroonMTN, Orange
West AfricaGhanaMTN, Telecel, AirtelTigo (AT)
West AfricaIvory CoastMTN, Orange, Moov, Wave
West AfricaLiberiaMTN, Orange
West AfricaMaliOrange, Moov, Wave
West AfricaNigeriaMTN, Airtel
West AfricaSenegalOrange, Wave, Yas (formerly Free)
West AfricaSierra LeoneOrange
Central AfricaCongo-BrazzavilleMTN, Airtel
Central AfricaDRCAirtel, Orange, Vodacom M-Pesa
Central AfricaGabonAirtel
Southern AfricaLesothoVodacom M-Pesa
Southern AfricaMalawiAirtel, TNM
Southern AfricaMozambiqueVodacom M-Pesa, Movitel
Southern AfricaZambiaMTN, Airtel, Zamtel
East AfricaEthiopiaSafaricom M-Pesa, Ethio telecom
East AfricaKenyaSafaricom M-Pesa
East AfricaRwandaMTN, Airtel
East AfricaSouth SudanMTN
East AfricaTanzaniaVodacom M-Pesa, Airtel, Yas (formerly Tigo), Halotel
East AfricaUgandaMTN, Airtel

How we operate across markets

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.

Bank building icon

Aggregator

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

Currency exchange icon with two circles and arrows

Orchestration

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.