Sandbox live • Early access

Financial rails for Africa.

NilePay — The Financial Rails Layer for Africa. We abstract mobile money, bank transfers, cards, and FX into one programmable API.

Open Console View API

~200ms

Auth latency

99.9%

Uptime target

1 API

Multiple rails

POST /v1/payments/charge
{
  "amount": 50000,
  "currency": "UGX",
  "source": {"type": "mobile_money", "provider": "mtn", "phone": "+2567XXXXXXX"},
  "destination": {"type": "wallet", "nilepay_id": "np_9f3a..."}
}

Built for people, powered for builders

Unified Rails

One integration connects mobile money, banks, cards and stablecoins.

Routing + failover
Normalized statuses
Idempotency support

Wallet + FX

Multi-currency ledger with conversion engine and real-time FX.

Balances & ledgers
Quotes & conversions
Request-to-pay

Mass Payouts

Disburse at scale with retries, idempotency and status tracking.

Bulk disbursements
Retries & webhooks
Audit trails

Developer-first API

Clean endpoints, test keys, and a sandbox to ship fast.

payment.succeeded payout.failed kyc.reviewed

Signed webhooks + event logs
Idempotency keys for safe retries
Console with test-mode simulation

Try the Console Request Access

POST /v1/payments/charge

Authorization: Bearer sk_test_...
Content-Type: application/json

{
  "amount": 50000,
  "currency": "UGX",
  "source": {"type": "mobile_money", "provider":"mtn"},
  "destination": {"type": "wallet", "nilepay_id":"np_..."},
  "metadata": {"invoice_id":"INV-1024"}
}

Initial coverage focus

Nile Basin and East Africa first, expanding quickly via partners.

Start with high-volume corridors

Prioritize routes where users and businesses move money daily.

UG • KE • TZ • RW
SS • ET • SD
Regional + diaspora routes

Rails

Mobile money, bank transfers, cards — normalized.

Mobile money collections
Bank payouts
Card checkout (where available)

Use cases

Consumer wallets, business checkout, NGO disbursements.

Merchant checkout
Payroll & mass payouts
Bill pay & collections

Security & Compliance

Encryption

TLS 1.2+, AES-256 at rest, scoped keys, and signed webhooks.

KYC/AML Ready

Tiered verification, sanctions screening, PEP checks, and audit trails.

Scoped API Keys

Granular permissions, IP allowlists, and least-privilege defaults.

Join the early access waitlist

Tell us your use case and we’ll reach out with sandbox keys.

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