MoneyUnify

Mobile Money Payments integration API simplified and unified for all payment gateways

Mobile Money Payments, Simplified - MTN, Airtel, Zamtel 🤓

Unlock the power of seamless financial transactions in Africa with MoneyUnify. MoneyUnify empowers and enables developers and businesses to effortlessly collect payments or send money to mobile networks by utilizing the power of USSD. Say goodbye to the daunting task of integrating multiple Mobile Network Operators' APIs. MoneyUnify streamlines the process into minutes, allowing you to save valuable time and resources while revolutionizing your online payment processes.

• Africa
• The World

Available Providers and Endpoints

• MoneyUnify - Payments in Zambia (Recommended for businesses/individuals in Zambia)

  Instant settlements and repayments

  

  3.5% Now 2.5% + 1 ZMW per transaction (On collections)

  Ideal for money collections in Zambia - Coming soon to Tanzania, Nigeria, Kenya 👀

  • Make Collections - Request mobile Money payments from AIRTEL, MTN, & ZAMTEL (All Network operators in Zambia)
  • Settle Funds - Disburse and Settle funds from your MoneyUnify Account to MTN, Zamtel, MTN All Mobile Networks Instantly
  • 🤙 Instant Customer support available via - 📞 WhatsApp

  • SETUP

    • It's easy and instant! 😃 Just Create your account on MoneyUnify to get your API key (MUID)
    • 📂 Check Documentation Here - Comes with some examples 😃 />
    • 🤙 Customer support available via - 📞 WhatsApp

  • Supported Countries on the Moneyunify endpoint

    Country	Country Code	Currency	Currency Code	Status
    ZAMBIA	ZM	Zambian kwacha	ZMW	Active ✔️
    TANZANIA	TZ	Tanzanian shilling	TZS	Coming Soon ⏰
    KENYA	KE	Kenyan shilling	KES	Coming Soon ⏰

  Charges and FEES

  ---

  Collections (Receiving payments)

  2.5% + 1 ZMW per transaction

  Settlements / Transfering to mobile money

  Settlement Account balance	What you you'll receive	Charges/ Transaction Fees
  balance [20 ZMW ~ 1,000 ZMW ]	balance - 12	12 ZMW
  balance [1,000 ZMW ~ 50,000 ZMW ]	balance - 20	20 ZMW
  balance [ 50,000 ~ 100,000 ZMW ]	balance - 30	30 ZMW

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• MTN MoMo API - Available in over 12 African countries 😍

  2% transaction fees

  • Make collections - You can Accept payments from over 12 countries in Africa using *MTN MoMo Mobile Money

  • Send money from your MTN MoMo merchant Account to MTN MoMo Mobile Networks (coming soon)

  • SETUP

    • Begin by creating your developer account on the Official MTN Developer portal and subscribe to a collection product. Thereafter, configure your keys on the MoneyUnify Dashboard
    • See Documentation. Snippet examples are available to help you integrate in minutes! />
    • ℹ️ ⚠️ before going going live, you must submit your KYC to MTN via their developer portal. You can contact their teams to help speed up the approval process.

  • Supported Countries on the MTN Momo mobile Money USSD provider

    Country	Country Code	Currency	Currency Code
    Cameroon	CM	Central African CFA Franc	XAF
    Ghana	GH	Ghanaian Cedi	GHS
    Ivory Coast	CI	West African CFA Franc	XOF
    Liberia	LR	Liberian Dollar	LRD
    Malawi	MW	Malawian Kwacha	MWK
    Mozambique	MZ	Mozambican Metical	MZN
    Nigeria	NG	Nigerian Naira	NGN
    Rwanda	RW	Rwandan Franc	RWF
    Zambia	ZM	Zambian Kwacha	ZMW

• Airtel - Available in over 15 African countries 😍

  2% - 2.5% transaction fees

  • Make collections - You can Accept payments from over 15 countries in Africa using *Airtel Mobile Money

  • Send money from your Airtel merchant Account to Airtel Mobile Networks (coming soon)

  • SETUP

    • Begin by creating your developer account on the Official Airtel Developer portal. Thereafter, configure your keys on the MoneyUnify Dashboard and subscribe to their collections product
    • See Documentation. Snippet examples are available to help you integrate in minutes! />
    • ℹ️ ⚠️ before going live, you must submit your KYC to Airtel via their developer portal. You can contact their teams to help speed up the approval process.

  • Supported Countries on the Airtel mobile Money USSD provider

    Country	Country Code	Currency	Currency Code
    UGANDA	UG	Ugandan shilling	UGX
    NIGERIA	NG	Nigerian naira	NGN
    TANZANIA	TZ	Tanzanian shilling	TZS
    KENYA	KE	Kenyan shilling	KES
    RWANDA	RW	Rwandan franc	RWF
    ZAMBIA	ZM	Zambian kwacha	ZMW
    GABON	GA	CFA franc BEAC	CFA
    NIGER	NE	CFA franc BCEAO	XOF
    CONGO-BRAZZAVILLE	CG	CFA franc BCEA	XAF
    DR CONGO	CD	Congolese franc	CDF
    DR CONGO	CD	United States dollar	USD
    CHAD	TD	CFA franc BEAC	XAF
    SEYCHELLES	SC	Seychelles rupee	SCR
    MADAGASCAR	MG	Malagasy ariary	MGA
    MALAWI	MW	Malawian kwacha	MWK

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This project was built/tested with

• PHP 8

Author

👤 Blessed Jason Mwanza - Buy him a Coffee

• Portfolio : https://blessedjasonmwanza.tech

• LinkedIn: Connect with Blessed on LinkedIn

• Github : @blessedjasonmwanza

• Twitter : Follow Blessed Jason @mwanzabj

• Youtube : Youtube

🤝 Contributing

Contributions, issues, and feature requests are welcome!

Feel free to check the issues page.

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