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One API to move money across Africa and beyond.

VukaPay gives enterprises a unified infrastructure layer for collecting, orchestrating, sending and settling payments across African markets. Connect to mobile money, banks, cards and cross-border settlement without rebuilding your payment stack country by country.

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17+ African countries75+ payment methods

VukaPay network schematicCollect lines from selected African markets run into the VukaPay ledger interchange. Send lines run back out to wallets and bank accounts, and Settle express lines leave the continent toward Asia and North America.AsiaNorth AmericaCorridor availability variesPayouts to walletsand bank accountsDakarAbidjanAccraCotonouDoualaNairobiKampalaKigaliKinshasaDar es SalaamLilongweLusakaVukaPayLedger, routing, reconciliationILLUSTRATIVE FLOW – STEP 4 OF 4USD 37,150.00Settled – supplier account, AsiaVukaPay network schematicCollect lines from selected African markets run into the VukaPay ledger interchange. Send lines run back out to wallets and bank accounts, and Settle express lines leave the continent toward Asia and North America.AsiaNorth AmericaAvailability variesPayouts to walletsand bank accountsDakarAccraDoualaNairobiKampalaKigaliDar es SalaamVukaPayLedger, routing, reconciliationILLUSTRATIVE FLOW – STEP 4 OF 4USD 37,150.00Settled – supplier account, Asia
Key
Selected markets. Schematic, not to scale.

Africa’s payment infrastructure is fragmented. Your integration doesn’t have to be.

Every new African market brings another set of payment methods, financial institutions, currencies, settlement processes and regulatory requirements. VukaPay is one infrastructure layer between your business and all of it.

One integration. Multiple markets. Local rails.

M-PESAAirtel MoneyMTN MoMoOrange MoneyWaveMoov MoneyVodacom M-PesaTigo PesaHaloPesaZamtel KwachaTNM MpambaFree Money
Country by countryA contract, an API and a reconciliation file for every rail.
M-PESAAirtel MoneyMTN MoMoOrange MoneyWaveMoov MoneyVodacom M-PesaTigo PesaHaloPesaZamtel KwachaTNM MpambaFree Money
Through VukaPayEvery rail lands in one ledger, one API, one set of webhooks.

One platform. Four layers of money movement.

Each layer does one job in the life of a payment. Use one, or run the whole route from first collection to final settlement.

Collect

Connect to the ways Africa pays.

  1. Mobile moneyM-PESA, MTN MoMo, Airtel Money, Orange Money, Wave and more
  2. Bank transfers
  3. CardsPCI DSS Level 2
  4. Hosted checkout and payment links
  5. +8% higher payment success rates

Orchestrate

Control what happens between collection and settlement.

  1. Ledger and balances
  2. Routing and transaction state
  3. Reconciliation and reporting
  4. Webhooks
  5. Settlement instructions

Send

Reach bank accounts and mobile wallets across Africa.

  1. Wallet and bank payouts
  2. Bulk disbursements
  3. Marketplace and seller payouts
  4. Payroll and supplier disbursements

Settle

Move business value across markets.

  1. Enterprise B2B settlement
  2. Cross-border payments and FX
  3. Treasury and corridor routing
  4. Digital settlement railsUSDC settlement, where permitted

Built for global businesses operating across Africa.

One consistent integration, local connectivity in every market you enter, and access to the corridors your business runs on.

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Who runs on VukaPay, and which layers they use
BusinessWhat movesLayers
Fintechs and remittance platformsEmbedded African collections and payouts, corridor access and settlement behind one API.
CollectSendSettle
MarketplacesBuyer collections, sub-ledger reconciliation and seller payouts as you expand market by market.
CollectOrchestrateSend
Global payrollSalaries and contractor payments delivered to bank accounts and mobile wallets.
OrchestrateSend
Importers and exportersFund locally, convert, and pay suppliers abroad through supported corridors.
CollectOrchestrateSettle
Financial institutionsReach African wallet and bank networks without building each connection yourself.
CollectSendSettle

Infrastructure for Africa’s global trade.

Businesses trading across African and international supply chains still juggle payment acceptance, FX, banking and supplier settlement across separate providers. VukaPay connects local funding and payment rails to global settlement.

Africa ↔ Asia

Supplier payments and B2B settlement for Africa–Asia trade flows.

Africa ↔ North America

Enterprise settlement between African markets and North America.

Intra-Africa

Collect in one market, pay out in another, across mobile wallets and banks.

Corridors are not identical. Availability depends on the route, the markets at each end and the payment method. Talk to our Global Trade team

Pay global suppliers without the cross-border payment maze.

Fund locally, let VukaPay coordinate conversion and settlement, and pay suppliers through supported corridors. Fewer banks, fewer intermediaries, less manual reconciliation.

  1. Fund locally

    Pay in from your local bank account or mobile money, in your own currency.

  2. Track in the ledger

    Every payment has one state and one reference, from funding to settlement.

  3. Convert and settle

    FX and cross-border settlement coordinated for you, including digital settlement rails where permitted.

  4. Supplier paid

    Funds land in your supplier’s account abroad, with the confirmation back in your reporting.

Talk to our Global Trade team

Integrate once. Expand without rebuilding.

One set of credentials, one authentication flow and one callback model across every market and rail. Adding a country is a parameter, not a project.

SandboxIntegrationProduction reviewLive

Read Documentation
POST /v1/mobile-money/chargesandbox
# Collect from an M-PESA wallet in Kenya
curl https://sandbox.api.gateway.vukapayments.com/v1/mobile-money/charge \
  -H "x-access-token: $TOKEN" \
  -d '{
    "correspondent": "MPESA_KEN",
    "amount": 1250,
    "currency": "KES",
    "msisdn": "2547XXXXXXXX"
  }'
# Swap the correspondent to change market
"correspondent": "MTN_GHA"      Ghana
"correspondent": "WAVE_SEN"     Senegal
"correspondent": "AIRTEL_ZMB"   Zambia

Simplified example. Field names and the full request are in the API reference.

Built for regulated scale.

For an enterprise payments company, regulatory standing is part of the product. Here is exactly where we stand.

Canada – Payment Service Provider
VukaPay, through its Canadian entity Wirpaid Limited, is registered as a Payment Service Provider under Canada’s Retail Payment Activities Act.
Canada – FINTRAC
Wirpaid Limited is registered with FINTRAC as a Money Services Business, MSB No. C100000762.
Card security
PCI DSS Level 2 compliant.
Operating model
Direct licensing in core markets, regulated PSP and banking partners in additional markets, expanded corridor by corridor.

Local rails. Global settlement.

VukaPay is building the infrastructure layer connecting Africa’s payment networks to the global financial system.

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