Mobile Money & Payment Gateway Integration Guide

How ACBIZ GLOBAL integrates MTN MoMo, Airtel Money, M-Pesa, and card payments into your website or application.

Supported Payment Providers

  • MTN Mobile Money (MoMo) — Zambia, Ghana, Rwanda, Uganda, Ivory Coast
  • Airtel Money — Zambia, Kenya, Tanzania, Malawi, Rwanda
  • M-Pesa (Safaricom) — Kenya, Tanzania
  • Orange Money / Vodafone Cash — West and East Africa
  • Zamtel Kwacha — Zambia
  • Visa / Mastercard — via Stripe, Flutterwave, or Paystack
  • PayPal — international customers

Integration Options

Hosted Checkout — customers are redirected to a secure payment page. Simplest option, no PCI compliance burden. Best for most businesses.

API Integration — payment processed within your website/app with no redirect. Best user experience, requires PCI-DSS compliance considerations.

Typical Integration Timeline

  • Requirements and provider account setup: 2–3 days
  • Sandbox (test) integration and testing: 2–4 days
  • Live go-live and monitoring: 1 day
  • Total: approximately 5–8 business days

What You Need to Provide

  • A registered business name and certificate
  • A registered mobile money merchant account (we can assist with setup)
  • Access to your website or application for our developers
Tip: Always test in sandbox mode thoroughly before going live — test all edge cases including failed payments, insufficient balance, and timeout scenarios.
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