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Kotani Pay connects your application to local payment channels across Africa — mobile money networks (M-PESA, MTN Money, Airtel Money, Orange Money), bank transfers, and blockchain networks. Use it to collect payments from users, disburse funds to them, or convert between fiat and crypto.
Ready to start developing? Contact Kotani Pay support to get set up. Support will provide your environment URLs (sandbox and production), dashboard access, and credentials. Throughout these docs, <BASE_URL> stands for the API base URL support gives you.

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Core Operations

Deposits

Collect mobile money, bank, and card payments from users

Withdrawals

Disburse funds to mobile money wallets and bank accounts

Onramp

Accept fiat payment and deliver crypto to a wallet address

Offramp

Accept crypto and disburse fiat via mobile money or bank transfer

Webhooks

Receive real-time transaction status updates

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Getting Started

1

Access the dashboard

Log in to the Kotani Pay dashboard (access details are provided by support). First-time users can set a password using the Forgot Password flow via OTP.Dashboard login guide →
2

Get your API key

Call POST /auth/login with your email to receive a magic link. Click it to get a JWT, then call GET /auth/api-key to generate your API key.API key guide →
3

Make your first API call

Point requests at the sandbox URL and include your API key in the Authorization: Bearer header.Quickstart →

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Environments

Use the sandbox environment for all development and testing — no real money moves.

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Use Cases

Kotani Pay is used for remittance, forex arbitrage, digital lending, insurance, savings, social protection, business financing, gig worker payments, and more. If you’re moving money to or from Africa via local channels, this API covers it.