Payment API

Accept MTN Mobile Money & Airtel Money with One API

The simplest way to integrate mobile money payments in East Africa.

Stop wrestling with provider-specific APIs, OAuth flows, and webhook formats. DGateway gives you one REST endpoint to collect and disburse payments across MTN MoMo, Airtel Money, and Stripe. Get your API key and start accepting payments in under 5 minutes.

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Accept MTN Mobile Money & Airtel Money with One API

One API Call. All Providers.

Send a single POST request to /v1/payments/collect with the amount, phone number, and currency. DGateway routes the payment to the right provider (MTN via Iotec, Airtel via Relworx) automatically. The customer gets a USSD prompt on their phone, enters their PIN, and you get a webhook confirmation.

  • MTN Mobile Money (Uganda, via Iotec)
  • Airtel Money (Uganda, via Relworx)
  • International cards (Visa, Mastercard via Stripe)
  • Multi-currency: UGX, KES, TZS, RWF, USD, EUR, GBP

Smart Routing & Failover

DGateway monitors every provider's health in real-time. If MTN's line goes down at 3 AM, transactions automatically reroute to a backup provider. Your customers never see an error page. Our health check system runs daily tests on every line and sends you alerts when something's wrong.

  • Automatic provider health monitoring
  • Real-time failover to backup providers
  • Daily health checks at 6 AM on all lines
  • Email alerts when a line goes down or recovers

Test Without Real Money

Use test API keys (prefixed dgw_test_) with sandbox phone numbers to simulate payments. Test successful transactions, failed payments, and edge cases without moving real money. When you're ready, switch to a live key — same code, no changes needed.

  • Test phone numbers: 0111777771, 0111777772
  • Simulates full USSD prompt flow
  • Test webhooks and status polling
  • Same API, same code — just swap the key

Real-Time Webhooks & Status Polling

Get notified instantly when a payment completes or fails. DGateway sends HMAC-signed webhooks to your server with full transaction details. If you prefer polling, check the transaction status endpoint — it returns the latest state in real time.

  • HMAC-SHA256 signed webhook payloads
  • Automatic retry with exponential backoff (5 attempts)
  • Status polling endpoint for real-time checks
  • Failure reasons returned for easy debugging

Frequently Asked Questions

How long does it take to integrate?▼
Most developers integrate DGateway in under 30 minutes. The API has one endpoint for collection and one for disbursement. We provide SDKs, code examples, and a full Next.js example app.
What currencies do you support?▼
UGX (Uganda Shillings), KES (Kenya Shillings), TZS (Tanzania Shillings), RWF (Rwanda Francs), USD, EUR, and GBP. Currency is specified per transaction.
What does it cost?▼
8% commission per successful API transaction. One-time connection fee of UGX 150,000. No monthly fees, no minimums, no hidden charges.
Do I need accounts with MTN and Airtel?▼
No. DGateway handles the provider relationships. You just need a DGateway account and API key. We route payments through our master accounts with Iotec and Relworx.
How do I handle refunds?▼
You can disburse (send money back) to any phone number using the /v1/payments/disburse endpoint. The amount is deducted from your available balance.

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Ready to get started?

Create your free account and start accepting payments in under 5 minutes.

Get Your API Key