How the network actually works
No black box. Here is exactly which gateways power Ultraner today, how one API routes to the right one automatically, and where this goes next.
Ultraner runs on several partnered gateways, not one.
Every gateway is real, named, and at a different maturity stage, we would rather you know exactly what is live, what is beta, and what is still coming than round everything up to "we support it."
| Gateway | Coverage | Status |
|---|---|---|
| AzamPay | Tanzania (mobile money, bank checkout, disbursement, cross-border) · Rwanda (MTN, Airtel) | Live |
| Pesapal | Kenya, Uganda, Tanzania, Rwanda, Burundi, Malawi, Zambia, Zimbabwe, hosted checkout | Beta |
| MalipoPay | Tanzania, all 5 mobile networks (M-Pesa, Mixx by Yas, Airtel Money, Halotel, TTCL Pesa) + bank + card | Beta |
| Selcom | Tanzania, mobile money, bank, disbursement, bill payment | Coming Soon |
| Stripe | Global, Visa, Mastercard, Amex | Live |
| PayPal | Global, settles in USD, converts to/from local currency automatically | Live |
/v0 layer (checkout, escrow, recurring, webhooks, wallet, FX) auto-routes to whichever gateway above fits the request.One API call in. The right gateway, automatically.
You call one Ultraner endpoint
Your app talks to Ultraner's API, never a gateway directly. Same request shape, every country.
Ultraner auto-routes it
The phone number's country prefix (or the payment method, for card/PayPal) picks the correct gateway and country configuration for you.
The gateway settles it
The transaction lands wherever it needs to, mobile money, bank, or card rail, and Ultraner reconciles it back to your wallet.
Concretely: the API version in the URL selects the gateway family (/v1 = AzamPay, /v3 = Pesapal, /v4 = MalipoPay, /stripe, /paypal), and within a version, Ultraner auto-routes to the correct country configuration based on the phone number's country prefix. You never integrate a gateway directly, this auto-routing isthe "one API" promise, made concrete.
As we connect directly, routing gets faster and cheaper.
As Ultraner adds direct connections to more networks and operators, routing gets faster and cheaper, the same trajectory Visa followed as more banks joined directly instead of through intermediaries. Long-term, networks, banks, and other payment platforms connect to Ultraner directly, and Ultraner becomes the settlement and interoperability layer between them, not just a checkout in front of them. The same logic extends past Africa's borders: the destination is a merchant on the network being reachable from global rails too, Apple Pay, Alipay, WeChat Pay, and fintechs worldwide, without either side building a custom integration to the other. That's a future step, not a current capability.
Read the full network storyThe payer's currency and the merchant's currency, reconciled invisibly.
How the conversion happens
A payer pays in the currency they already think in. A merchant settles in the currency they already do business in. Ultraner reconciles the difference at a live rate, the same role Visa and Mastercard play quietly behind every international card swipe.
Checkable, not a black box
Live rates are public at ultraner.com/fx, and every conversion gets its own checkable page at ultraner.com/fx/{transactionId}.