One API for every way Africa pays.

Charge a mobile money wallet with a USSD push, or send the payer to card or PayPal, from the same endpoint. Ultraner reads the country off the phone number and routes to the gateway that serves that network, so your request body never changes.

Create an account Coverage by country

What it does

Accept mobile money, cards and PayPal through one API and one hosted checkout.

One integration that charges a mobile money wallet, a card or PayPal. Ultraner picks the gateway from the payer's number and network, and a payer in one market can pay a business in another.

Mobile money by phone number

Send the number and the network. The payer approves a prompt on their phone, with no redirect and no app to install.

Cards and PayPal

The same call returns a redirect to the gateway's own hosted page. Ultraner never sees a card number or a PayPal login.

Hosted checkout

Mint a one-time checkout session and the payer picks their own method on an Ultraner-hosted page, or embed it in yours.

Cross-border

A payer pays in their currency on the wallet they already have, and you are credited in yours, with the rate shown before they confirm.

How it works

01
Create an account
Sign up, create your business and get a sandbox key straight away.
02
Charge in the sandbox
Every rail has a sandbox twin. Test numbers decide the outcome, success, failure or timeout.
03
Go live
Finish KYC, switch to a live key, and listen for signed webhooks as payments settle.

charge

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,
    "phone": "255712345678",
    "provider": "Airtel"
  }'

Sandbox keys start with uk_test_ and never move real money.

Pricing

What it costs

Collecting

0% Ultraner fee

The gateway's own processing fee may apply. You choose who absorbs it, you or your customer.

Paying out to a wallet

Plus the gateway's own charge. Mobile money payouts are live in Tanzania.

Settling to your bank

3% US, 4% elsewhere

Settlement works to your own bank account, in any country. The extra 1% outside the US is the international transfer.

Live API keys and live webhooks need the Developer Console plan. The sandbox is free.

Built for

Online shops and SaaS
Ticketing and events
Apps selling to African customers from anywhere
Marketplaces taking orders

Questions

Which countries can I collect in?

Mobile money works in every market listed on the coverage pages, and cards and PayPal work in every country from day one.

What does the amount mean?

An integer in the currency's smallest unit, like Stripe: cents for USD, whole shillings for TZS.

Can the payer cover the fee?

Yes. Gross-up adds the gateway fee to what the payer pays, so you receive the full amount.

Start with Ultraner Payments.

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