Build ยท For businesses operating in Africa

One integration. 14 markets, each with its own way money moves.

Every African market has its own wallets, currency, phone format and rules. Ultraner turns 14 of them into one API, one checkout and one balance, so the second country costs you a configuration change rather than a project.

14
live markets
10
currencies, held as balances
18
wallet brands
18
capabilities live

What you can build

The money parts of an African business, live.

Accept payments

Charge a mobile money wallet, card, bank account or PayPal.

Hosted checkout

A payment page Ultraner hosts, with every method the payer can use.

Payment links

A shareable link or QR that takes a payment with no integration at all.

Payouts to a wallet

Send money to a payer's mobile money account.

Live in Tanzania today; the other markets are being brought up one verified rail at a time. Not to be confused with settlement, which works everywhere.

Settlement to a bank account

Move your balance to your own bank account by wire.

Escrow

Hold a payment until delivery is confirmed, then release it.

Recurring billing

Charge on a schedule, on mobile money, card or PayPal.

Mobile money sends a fresh prompt each interval, because African networks store no card on file. Card and PayPal charge automatically.

Invoices

Issue an invoice and collect against it.

Payroll and batch payouts

Pay up to 500 people in one submitted batch.

Reaches a wallet only where disbursement is live; otherwise settle and pay onward.

Split payouts (Streamline)

Onboard your own sellers, take a cut, and pay out the rest.

Refunding a split payment reverses the platform fee too. If the money has already been withdrawn the balance can go below zero, and it has to be topped up before any further payout.

Currency conversion

A payer pays in their currency, you are credited in yours.

Cross-border payments

A payer in one market paying a business in another.

Refunds

Return a payment to where it came from.

Webhooks

Signed events when anything moves, so your system stays in step.

Promo codes

Your own discount codes, applied by the customer at checkout.

Products and prices

Define what you sell once, then charge from it.

Features and entitlements

Check whether a customer's subscription grants access to something.

QR payments

A printed or displayed code that opens your checkout.

Collect

In every live market

Mobile money on 18 wallet brands, cards through Stripe and PayPal, on one checkout or through the API.

Pay out

To wallets in Tanzania

Payouts into a mobile money wallet are live in Tanzania and open market by market; your own balance settles to your own bank account, in any country.

Settle

To any bank

Balances are held per currency and settle to your own bank account, in any country, at a rate published on /fx.

Coverage

14 markets in 3 regions.

Every network โ†’

Use cases

What businesses build with it.

Collect from customers

Most customers on the continent hold money in a mobile wallet, not on a card, and each market has different networks. One Ultraner integration reaches all of them, plus card and PayPal for anyone paying from abroad.

Pay sellers and suppliers

Paying many people, often in small amounts, across markets where a bank transfer is slow or unavailable. Payouts reach a mobile wallet where that rail is live, and settlement reaches a bank account anywhere in the world.

Hold funds until delivery

Neither the buyer nor the seller wants to go first. The payment is held rather than forwarded, and released when delivery is confirmed, so the platform is not carrying the risk in the middle.

Split a payment between parties

A platform collects the whole amount, keeps its cut, and forwards the remainder. Streamline does this as one operation rather than as a payment followed by a separate payout you reconcile yourself.

Bill on a schedule

Card networks store a card on file and charge it; African mobile money does not, so a subscription has to prompt the payer each interval. Ultraner handles both models behind one plan object.

Invoice and collect

Issue an invoice, let the customer pay it with whatever they have, and be credited in your own currency. The rate is shown to the payer before they confirm.

Pay staff

Salaries to many people at once, in the market each person lives in. Submitted as a batch, authorised by a named person rather than by an API key alone.

Accept donations

Small amounts from many people, most of whom will not fill in a card form. A link or QR opens a checkout that accepts the wallet they already use.

Sell tickets

Demand arrives in bursts and most buyers pay from a phone. A hosted checkout takes the payment, and escrow can hold it until the event happens.

Collect group contributions and pay out a round

A savings group collects a contribution from every member each round, then pays the whole pot to whoever is due. Done on trust and a notebook it is the record, not the money, that causes the argument, so every contribution lands against a shared record and the payout is one traceable action.

Get paid from another country

The payer uses their own network and currency, the business is credited in its own, and the rate is shown before the payer confirms. The two do not need the same rail.

Start building

Your first market this week. The next one with a config change.

Take test payments in the sandbox today. Go live once your business is verified, and add markets as you grow.