The simplest way to accept Mobile Money payments is through Notch Pay Collect. This hosted payment page requires no coding and handles the entire payment flow.

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Benefits of Using Collect

• Quick Setup: Integrate in minutes with minimal code
• Optimized UX: Mobile-responsive design with localized interfaces
• Automatic Updates: Always up-to-date with the latest features
• Reduced PCI Scope: Security handled by Notch Pay

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How to Implement

// Create a payment session
fetch('https://api.notchpay.co/payment', {
method: 'POST',
headers: {
'Authorization': 'YOUR_PUBLIC_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
amount: 5000,
currency: 'XAF',
phone: '+237670000000'
callback: 'https://your-website.com/callback'
})
})
.then(response => response.json())
.then(data => {
// Redirect customer to the collect page
window.location.href = data.authorization_url;
});

For more control over the payment flow, you can use the Notch Pay API to process Mobile Money payments directly:

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Complete Integration Flow

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1. Initialize a Payment

// Create a payment
fetch('https://api.notchpay.co/payments', {
method: 'POST',
headers: {
'Authorization': 'YOUR_PUBLIC_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
amount: 5000,
currency: 'XAF',
customer: {
name: 'John Doe',
email: 'john@example.com',
phone: '+237600000000'
},
description: 'Payment for Order #123',
reference: 'order_123',
metadata: {
order_id: '123',
product_name: 'Premium Subscription'
}
})
})
.then(response => response.json())
.then(data => {
// Store the payment reference for the next step
const paymentReference = data.payment.reference;
})

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2. Process the Payment with Mobile Money

// Process the payment with Mobile Money
fetch(`https://api.notchpay.co/payments/${paymentReference}`, {
method: 'POST',
headers: {
'Authorization': 'YOUR_PUBLIC_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
channel: 'cm.mtn', // or 'cm.orange' for Orange Money
data: {
phone: '+237670000000' // Customer's Mobile Money phone number
}
})
})
.then(response => response.json())
.then(data => {
// Payment is now processing
// The customer will receive a prompt on their phone

// Store transaction ID for status checks
const transactionId = data.payment.id;
})

​

3. Verify the Payment Status

// Check the payment status
fetch(`https://api.notchpay.co/payments/${paymentReference}`, {
headers: {
'Authorization': 'YOUR_PUBLIC_KEY'
}
})
.then(response => response.json())
.then(data => {
if (data.transaction.status === 'complete') {
// Payment successful
// Update your database and fulfill the order
} else if (data.transaction.status === 'failed') {
// Payment failed
// Show error message to customer
} else {
// Payment still processing
// Show waiting message to customer
}
})

Our SDKs provide a simplified way to integrate Mobile Money payments with pre-built components and helper methods.

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JavaScript SDK

// Initialize Notch Pay
const notchpay = new NotchPay('YOUR_PUBLIC_KEY');

// Create a payment
notchpay.createPayment({
amount: 5000,
currency: 'XAF',
customer: {
name: 'John Doe',
email: 'john@example.com',
phone: '+237600000000'
},
description: 'Payment for Order #123'
})
.then(payment => {
// Process with Mobile Money
return notchpay.processMobileMoney(payment.reference, {
provider: 'cm.mtn', // or 'orange', 'airtel', etc.
country: 'cm',   // country code
phone: '+237670000000'
});
})
.then(result => {
console.log('Payment initiated:', result);
// The customer will receive a prompt on their phone
})
.catch(error => {
console.error('Payment error:', error);
});

For more SDK examples, see our SDK Documentation.

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Market Overview

• Population: ~27 million
• Mobile Money Penetration: ~40%
• Primary Providers: MTN Mobile Money, Orange Money
• Currency: CFA Franc (XAF)
• Average Transaction Size: 5,000-50,000 XAF

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Regulatory Information

• Regulated by: BEAC (Central Bank)
• KYC Requirements: Basic for small transactions, enhanced for larger amounts
• Transaction Limits:
• Daily: Up to 500,000 XAF
• Monthly: Up to 5,000,000 XAF

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Best Practices

• Ensure phone numbers use the format +237XXXXXXXX
• MTN has higher market share in anglophone regions
• Orange has higher market share in francophone regions
• Consider offering both MTN and Orange options
• Peak processing times: 8-10 AM and 5-8 PM

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Common Issues

• Network congestion during evenings
• USSD session timeouts (advise customers to respond promptly)
• Occasional service outages during system maintenance (typically late night)

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Market Overview

• Population: ~26 million
• Mobile Money Penetration: ~45%
• Primary Providers: MTN Mobile Money, Orange Money, Wave
• Currency: CFA Franc (XOF)
• Average Transaction Size: 3,000-30,000 XOF

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Regulatory Information

• Regulated by: BCEAO (Central Bank)
• KYC Requirements: Government ID required for account creation
• Transaction Limits:
• Daily: Up to 2,000,000 XOF
• Monthly: Up to 10,000,000 XOF

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Best Practices

• Ensure phone numbers use the format +225XXXXXXXX
• Wave offers lower fees and is growing rapidly
• French language support is essential
• Consider offering all three major providers
• Transactions process faster during business hours

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Common Issues

• Occasional delays during high-volume periods
• Some users have multiple mobile money accounts
• Network coverage issues in rural areas

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Market Overview

• Population: ~17 million
• Mobile Money Penetration: ~50%
• Primary Providers: Wave, Orange Money, Free Money
• Currency: CFA Franc (XOF)
• Average Transaction Size: 5,000-50,000 XOF

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Regulatory Information

• Regulated by: BCEAO (Central Bank)
• KYC Requirements: Government ID required
• Transaction Limits:
• Daily: Up to 2,000,000 XOF
• Monthly: Up to 10,000,000 XOF

​

Best Practices

• Ensure phone numbers use the format +221XXXXXXXX
• Wave has become the dominant provider due to lower fees
• French language support is essential
• Wolof language support is a plus
• Transactions typically process faster with Wave

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Common Issues

• Wave has daily transaction limits that may affect larger payments
• Orange Money requires a PIN for confirmation
• Network coverage varies by region

Notch Pay supports Mobile Money payments in many other African countries. For detailed information about a specific country not listed here, please contact our support team or refer to our Resources API for the most up-to-date information.

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General Considerations for All Countries

• Always use the international phone number format with country code
• Be aware of local regulations and transaction limits
• Consider local language support for customer communications
• Monitor transaction success rates by provider and adjust your implementation accordingly
• Stay informed about new Mobile Money providers entering the market