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URBAN TECHNOLOGYURBAN TECHNOLOGY
UrbanPay · Payments

Collect mobile money with a single integration.

UrbanPay brings MTN, Moov, Orange and Wave, bank cards and electronic wallets together behind a single API. Your customers pay the way they already do: the request lands on their handset and they confirm it with their PIN.

Request a demo →How it works
Operators integrated
MTN · Moov · Orange · Wave
Settlement currency
XOF

What is UrbanPay?

UrbanPay is a payment aggregator: instead of negotiating and integrating each mobile money operator separately, you integrate UrbanPay once and collect across all of them. The platform unifies MTN, Moov, Orange and Wave, along with bank cards and electronic wallets, behind a single API. In practice, your application creates a payment request with an amount in CFA francs and a reference; the customer enters their mobile money number; a confirmation request is pushed to their handset; they approve it with their PIN. UrbanPay then notifies your server through a webhook as soon as the operator confirms the transaction, and the status of every payment stays queryable at any time. No separate contract per operator, no reconciliation logic to write for each one.

How does a payment work, step by step?

The flow is a direct push, with no redirection to a third-party site. Your server calls UrbanPay to create a transaction: amount in CFA francs, a reference of your own, and a notification URL. The customer lands on the payment page, picks their operator and enters their number. UrbanPay then triggers the request with the operator, which sends a USSD prompt to the customer's handset; they approve it with their PIN. Meanwhile the page polls the status and displays the operator's instruction. As soon as the transaction succeeds, UrbanPay calls your webhook; your server checks the amount, marks the order paid idempotently, and triggers what follows — confirmation email, access provisioning, order preparation. A replayed payment never counts twice.

Which operators and payment methods are covered?

Four mobile money players are integrated: MTN Mobile Money, Moov Money, Orange Money and Wave. That set covers the dominant habits of the markets URBAN TECHNOLOGY operates in — Benin, Togo, Ivory Coast, Gabon and Congo — where the leading operator changes from one country to the next: MTN and Moov in Benin, Moov and Togocom in Togo, Orange Money and Wave in Ivory Coast. That is exactly what an aggregator solves: your integration does not change when you open a new country. Bank cards and electronic wallets are available on top, for customers who do not pay with mobile money. Amounts are handled in CFA francs. For detailed operator coverage country by country, ask us for the technical sheet.

Use cases

Who uses it, and for what

Online commerce

Collect an order without requiring the customer to own a bank card — mobile money remains the dominant payment method in the region.

Subscriptions and recurring fees

Bill tuition, membership dues or a subscription, with a clean reference per instalment and automatic reconciliation.

Ticketing and events

Sell tickets with immediate confirmation: the webhook triggers ticket issuance as soon as the operator validates the payment.

Institutions and public bodies

Collect fees or duties from users without a bank account, with an accounting trail for every transaction.

Going further

Accepting mobile money on your website: the merchant's guideCollecting mobile money on your site: operators, aggregation, reconciliation and setup. The practical guide for merchants in West Africa.Read the article →Mobile money across ECOWAS and CEMAC: the 2026 pictureA picture of mobile money in West and Central Africa: GSMA and BCEAO figures, growth dynamics and what it means for businesses in the region.Read the article →Mobile money, cards, wallets: unifying your paymentsUnifying mobile money payments in Africa: why to bring MTN, Moov, Wave and cards behind a single integration, and how to go about it.Read the article →

Let's look at your volume together.

Tell us what you need to collect or send, and we come back with the operator coverage, the integration path and a price.

Request a demo →