One connection to Africa's money.
Ultraner gives businesses one integration to accept and move money across African payment rails. Underneath it we are building Ultraner Network, where mobile money operators, fintechs, banks and payment providers connect their networks to each other.
Secured & Trusted by businesses across Africa
Pay with
🇹🇿Tanzania
M-Pesa (Vodacom)
Airtel Money
Mixx by Yas
Visa / Mastercard
PayPalLocal networks for TZS · Secured by Ultraner
One company. Two layers.
Payments for businesses. Infrastructure for networks.
Businesses use Ultraner to reach payment rails. Payment networks connect to Ultraner Network to reach each other. Same company, two layers of the same system.
Move money across Africa without building the payment stack yourself.
Connect once and give your customers mobile money, cards and bank payments across supported African markets.
- Accept payments
- Send payouts
- Route transactions
- Handle FX
- Settle locally
- One API and dashboard
Built for developers, platforms, marketplaces, schools, agencies and businesses selling across Africa.
Build with UltranerConnect your payment network to the rest of Africa.
The interoperability layer we are building for mobile money operators, banks, fintechs, PSPs and payment networks. Participants connect once, publish what they can do, and reach other participants without a separate integration for every relationship.
- Connect your network
- Publish capabilities
- Discover participants
- Route transactions
- Exchange local currency
- Settle between participants
The protocol, the connectors and the certification suite are built. Participants are being onboarded now.
Join the NetworkHow Ultraner evolves
The business product is here. The network underneath it is being built.
Today businesses use Ultraner as the access layer to Africa's fragmented rails. At the same time we are connecting the institutions that operate those rails. As the Network grows, more of the infrastructure underneath becomes native to it.
The access layer
For businesses
Unify
LiveConnect once instead of integrating every provider separately.
Expand
LiveMore markets, more rails, more payment methods behind the same API.
Route
In progressTransactions start finding their path through the Network as participants join.
Network-native
NextMore of the payment path runs on Network rails. The API does not change.
The infrastructure
For networks
Protocol
BuiltA versioned protocol: directory, quotes, routing, settlement, reconciliation.
Connect
In progressOperators, banks, fintechs and PSPs onboarding onto Network nodes.
Interoperate
NextParticipants reach each other directly, in local currency, across borders.
Standard
The destinationA layer payment networks plug into once to reach every other one.
The API stays simple. The infrastructure underneath it gets deeper.
Businesses building on Ultraner today do not have to change anything to benefit from the Network. That is the point of putting it underneath rather than beside.
The market Ultraner is built for
$1.4T
Mobile-money value moved across Africa in 2025
347M
Active mobile-money users
92B
Transactions a year (~74% of the global count)
1.2B
Registered accounts (52% of the world)
Source: GSMA State of the Industry 2026 · World Bank Global Findex 2025 (2025 figures, approximate).
Trusted by businesses and platforms across Africa
Live today
Connected now. Expanding fast.
Full production across fourteen African markets in East, West and Central Africa, eighteen mobile-money networks and ten currencies, with global card & PayPal coverage live everywhere, on any link, from day one.
- BeninCameroonDR CongoGabonIvory CoastKenyaMozambiqueRepublic of CongoRwandaSenegalSierra LeoneTanzaniaUgandaZambia
mobile money collections across 14 markets, plus bank checkout and cross-border transfers; payouts live in Tanzania and opening market by market, with bank settlement by wire anywhere in the world
- Burkina FasoBurundiChadEgyptEswatiniEthiopiaGhanaGuineaLesothoMalawiMaliMoroccoNigerNigeriaSouth AfricaSouth SudanTogoTunisiaZimbabwe
international customers can pay by card or PayPal on any link right now; mobile money needs no new integration when it lands
card, PayPal and bank transfer reach any payer worldwide, on every link, from day one, whichever market the business settles in
Every network we add makes every other network more valuable, that's how a payment network compounds.
Connected today
Africa's mobile payment transaction value by region (2025)
- East Africa$806B
Kenya · Tanzania · Uganda · Rwanda · Ethiopia
- West Africa$498B
Nigeria · Ghana · Côte d’Ivoire · Senegal · Mali
- Central Africa$105B
DR Congo · Cameroon · Gabon · Chad · Congo
- North Africa$15B
Egypt · Morocco · Tunisia
- Southern Africa$8B
South Africa · Zambia · Zimbabwe · Mozambique
Top mobile payment markets by adoption
- 🇰🇪87%
Kenya
World #1 · M-Pesa
- 🇹🇿High
Tanzania
Interoperable since 2014
- 🇬🇭78%
Ghana
Top regulatory benchmark
- 🇺🇬High
Uganda
MTN + Airtel
- 🇳🇬Rising
Nigeria
OPay · PalmPay · Moniepoint
- 🇪🇹Growing
Ethiopia
Telebirr · 55M users
Sitting alongside the continent’s cross-border players: Chipper Cash · Flutterwave · Onafriq · Wave
Explore all networksCoverage
Live now. Expanding across Africa.
Full production across fourteen African markets in East, West and Central Africa, eighteen mobile-money networks and ten currencies, with the rest of the continent rolling out behind one unified API.
Benin
XOF · 2 networks
Cameroon
XAF · 3 networks
DR Congo
CDF · 4 networks
Gabon
XAF · 2 networks
Ivory Coast
XOF · 3 networks
Kenya
KES · 3 networks
Mozambique
MZN · 3 networks
Republic of Congo
XAF · 2 networks
Rwanda
RWF · 2 networks
Senegal
XOF · 3 networks
Sierra Leone
SLE · 2 networks
Tanzania
TZS · 6 networks
Uganda
UGX · 2 networks
Zambia
ZMW · 3 networks
Burkina Faso
XOF
Burundi
BIF
Chad
XAF
Egypt
EGP
Eswatini
SZL
Ethiopia
ETB
Ghana
GHS
Guinea
GNF
Lesotho
LSL
Malawi
MWK
Mali
XOF
Morocco
MAD
Niger
XOF
Nigeria
NGN
South Africa
ZAR
South Sudan
SSP
Togo
XOF
Tunisia
TND
Zimbabwe
ZWG
UltranerWallet
Balance
PersonalTZS 327,623
Add Money
Send
Receive
Transfer
Recent Transactions
View allReceived from Amina J.
Wallet transfer · just now
+TZS 50,000
Completed
Cross-border to Kigali
RWF transfer via AzamPay · 1h ago
−TZS 120,000
Completed
Escrow released
Item delivered and verified · 2h ago
+TZS 80,000
Completed
Burkina Faso
XOF
Burundi
BIF
Chad
XAF
Egypt
EGP
Eswatini
SZL
Ethiopia
ETB
Ghana
GHS
Guinea
GNF
Lesotho
LSL
Malawi
MWK
Mali
XOF
Morocco
MAD
Niger
XOF
Nigeria
NGN
South Africa
ZAR
South Sudan
SSP
Togo
XOF
Tunisia
TND
Zimbabwe
ZWG
Every country in Africa built its own island.
M-Pesa doesn't know Airtel Money exists. MTN MoMo in Uganda can't see Mixx by Yas in Tanzania. A wallet in Dar es Salaam can't pay a merchant in Lagos, not because the money can't move, but because nothing connects the rails. Within a country, one network can usually pay another. Across a border, each network would have to build and maintain its own custom integration with every other network it wants to reach, over 40 networks across 54 countries, each pair a separate deal, a separate protocol, a separate FX problem. That doesn't scale, so almost nobody builds it, and trade stays boxed in by borders that have nothing to do with where the money is actually needed. Banks solved this problem seventy years ago with Visa and Mastercard. Mobile money in Africa hasn't solved it yet.
- 347M mobile money users, sealed into national borders
- $1.4T moved a year, almost none of it crossing a border directly
- Every network a different company, a different protocol, a different deal
- 40+ networks, 54 countries: bilateral integration between all of them isn’t realistic
A network, not another app on top of the mess.
Ultraner sits underneath the transaction, the same layer Visa and Mastercard occupy for card payments. We connect mobile money networks, banks, and payment providers to each other directly, so a payment can originate on one rail and settle on another without anyone building a custom integration.
- One API, every network. Integrate once, reach every mobile money network we’re connected to.
- Cross-border by default. Money moves between countries the same way it moves within one.
- Local currency, on both sides. A customer pays in their currency; a merchant settles in theirs, reconciled invisibly.
- A bridge to the rest of the world. Card and international payments settle in, mobile money settles out, through the same rail.
Today this runs through multiple partnered gateways: AzamPay (live), Pesapal (beta, multi-country), MalipoPay (beta), Selcom (coming soon), plus Stripe and PayPal globally, see how it works for the full current roster. This is Phase 1 infrastructure, not something we hide.
Today we operate through licensed local processing partners in each live market. Over time, our goal is to become the direct interoperability standard itself, the layer those partners and networks connect to, not just through.
The product
One dashboard for every shilling, naira, and cedi.
Watch volume, transactions, and settlements across every market you're live in, in real time. Reconcile, payout, and escrow, all without leaving the page.
See it liveUltraner
iTrood
Business
Developer
Grack
contact@ultraner.com
Good evening, Grack
Here's what's happening with your business today.
Today's Volume
$2,499
This Month
$170,689.46
Successful Payments
310
98% success rate
Pending
0
310 total payments
Payment Volume
View analyticsBusiness Status
Developer Quick Actions
Customers by Country
Everything you need to build and scale
Powerful infrastructure for modern businesses.
Accept Payments
Accept payments from 100+ methods across Africa and globally, including mobile money, cards, and bank transfers.
Local Settlements
Get settled in your local currency, directly to your bank. No FX headaches, no waiting weeks.
Escrow & Payouts
Hold and release funds securely. Automate payouts into mobile money wallets in Tanzania, or to your own bank account anywhere.
Global Methods
Accept cards, PayPal, and more from customers worldwide, settling into African wallets in local currency.
Real-time Webhooks
Get real-time updates on payments, settlements, and escrow over HMAC-signed webhooks and live sockets.
Developer First
Simple APIs, detailed docs, and SDKs to integrate in minutes. Scoped keys and a console built for production.
Developer Experience
One API. Endless possibilities.
Integrate once and unlock access to Africa's largest payment network.
Test Mode
Test transactions safely in our sandbox.
Growing Coverage
Full production across 14 African markets in East, West and Central Africa, 18 mobile-money networks and 10 currencies, expanding further.
Enterprise Ready
99.9% uptime, scalable and secure.
curl https://api.ultraner.com/v0/payments/charge \
-H "X-API-Key: uk_test_••••••••" \
-H "Content-Type: application/json" \
-d '{
"method": "mobile_money",
"amount": 50000,
"currency": "TZS",
"phone": "+255712345678",
"provider": "Airtel"
}'Ready to grow your business without borders?
Join thousands of businesses building the future with Ultraner.