Programmable money, instantly delivered.
Pay out to any Mobile Money wallet, collect MoMo payments and connect credit unions, through plain HTTPS APIs with signed requests and webhooks.
rk_test_9vksln2w0k7h…••••••••••••••••••••https://api.yourapp.com/hooksFrom sign-up to live money in four steps.
Create an account
Sign up with your work email and add your organisation: a business, a transfer operator or a credit union.
Get your test keys
They are ready the moment your organisation is added, with the API docs, under Developers in your dashboard.
Build and test
Test numbers trigger every outcome: paid, failed, declined, held. No real money moves.
Verify and go live
Submit your compliance details. Once approved, switch to Live mode and take your live keys.
Three APIs, one account, one way of signing.
Every API uses the same HMAC-signed requests, idempotency keys and webhooks, so what you learn once works everywhere.
Remittance API
For money transfer operators. Deliver cedis to any MTN MoMo, Telecel Cash or AirtelTigo Money wallet from your prefunded balance.
- Check the recipient first
- Screened payouts
- Balance and fees by API
Merchant API
For businesses and POS vendors. Prompt the customer's phone for a MoMo payment and know the moment they approve.
- Every network
- Find payments by your reference
- Daily payouts
CU Gateway API
For credit unions and core banking vendors. Send and receive member transfers with every connected credit union.
- Member name check
- Settled through float
- Signed in both directions
Money in, money out, on every network.
- Receive Mobile Money payments from MTN MoMo, Telecel Cash and AirtelTigo Money customers.
- Pay out to any MoMo wallet in Ghana, from a balance you control.
- Refunds handled for you: a payout that fails releases your balance at once.
GHS 500.00 to Ama Mensah
MTN MoMo · 024•••4567- Accepted201 Created
- Screened: clearSanctions lists
- PaidWebhook payout.paid
Know who you are paying.
- Recipient check: confirm a number is a live wallet on the right network before you take your customer's money.
- Credit union member lookup: the receiving union confirms its member's name before anything moves.
- Sanctions screening on every remittance payout, with held payouts reviewed by our compliance team.
{
"valid": true,
"phone": "+233241234567",
"network": "mtn"
}
Everything you need to ship with confidence.
Signed requests
HMAC-SHA256 over a timestamp and the raw body. Replays are refused.
Idempotent by design
Retry a timed-out call with the same key and you never pay twice.
Signed webhooks
With automatic retries, and a log of every delivery you can resend.
A real sandbox
Test keys and test balances from day one. Test numbers for every outcome.
IP allowlist
Lock your keys to your own servers' addresses.
Team roles
Admins, developers, finance and viewers each see what they need.
The documentation is in your dashboard
- The full API reference for every endpoint, with code in Node.js, Python and PHP.
- Test numbers for every outcome, and a go-live checklist.
- Always for the version of the API your keys run on.
Talk to our integrations team
- Planning volumes, pricing or a new corridor? We are happy to help before you write a line of code.
- support@remitmi.com
- +233 246 871 289
Start building today.
Create an account and your test keys are ready in minutes. Already have one? Log in to your dashboard.