Payments
orchestrated end‑to‑end
Accept mobile money, cards and bank transfers through a single integration. MaripaPay routes, retries and reconciles every transaction across Relworx, MTN MoMo, Airtel Money and more.
Total volume · today
UGX 48.6M
Incoming payments
One integration · every major rail in the region
FlutterwaveRelworx
PesapalBank TransferUSSD PushFlutterwaveRelworxPesapalBank TransferUSSD PushOne integration, a whole continent of wallets
Collect and pay out in local currency across every major mobile-money operator — new markets switch on without a new integration.
Coverage expands continuously. Don't see a market you need? Talk to us.
Essential Tools for
Seamless Payments
We give businesses everything they need to send, receive, and reconcile money across every gateway - securely, and in real time.
Unified API Integration
Integrate once and connect to Relworx, MTN MoMo, Airtel Money, and ioTec Pay through a single, consistent API - no separate SDKs to maintain.
Read MoreReal-Time Reconciliation
Every transaction is automatically matched against provider webhooks and posted to a live, double-entry ledger - no manual reconciliation.
Read MoreSmart Gateway Routing
MaripaPay automatically routes each payment through the fastest or lowest-cost available gateway, with instant failover if one provider is down.
Read MoreLive in a day, not a quarter
Get your API keys
Create a merchant account and grab sandbox + live keys in minutes. No lengthy onboarding, no per-provider contracts.
Send one request
Call a single /charges endpoint. MaripaPay picks the best provider by cost, speed and health — and fails over automatically.
Reconcile in real time
Every webhook is matched to a double-entry ledger. Export clean, audit-ready reports by gateway, merchant or date.
One endpoint.
Every provider.
Clean REST API, typed SDKs, idempotency keys, signed webhooks and a full sandbox. Stop maintaining a separate integration for every mobile-money operator.
- Idempotent requests & automatic retries
- Signed, replayable webhooks
- Sandbox with simulated provider outages
- OpenAPI spec + Postman collection
curl https://api.maripaypay.com/v1/charges \
-H "Authorization: Bearer sk_live_..." \
-d amount=25000 \
-d currency=UGX \
-d channel=mobile_money \
-d provider=auto \
-d customer[phone]=256770000000Easily Manage
Every Transaction
MaripaPay gives you one dashboard to monitor money moving across every connected gateway, with detailed, exportable reports for every merchant account.
Filter and export by gateway, date, or merchant.
Bank-grade encryption, AML checks, and audit logs on every transaction.
Real-time support from a team that understands East African payment rails.
Gateway Status
Live status of top connected providers
Optimized Payment
Orchestration System
MaripaPay's orchestration engine gives you full control and visibility over every payment moving through your business — across every gateway, in one place.
Know the moment funds settle, on every gateway.
Configure limits, approvals, and merchant-level permissions.
Full audit trail, searchable and exportable anytime.
Every way your customers want to pay
Turn methods on and off per merchant from the dashboard — the API call never changes.
Mobile money
MTN MoMo, Airtel Money, Relworx and ioTec Pay collections & payouts.
Cards
Visa & Mastercard with 3-D Secure, tokenisation and recurring billing.
Bank transfers
Direct bank pay-ins and bulk disbursements to any local account.
USSD push
Trigger a USSD prompt on any feature phone — no app required.
QR & payment links
Generate hosted checkout links and scannable QR codes on the fly.
Payouts & refunds
Single or batched payouts, partial refunds, and automatic reversals.
Trust built into every transaction
Encryption everywhere
Card data is tokenised and never touches your servers. Secrets are vault-managed and rotated.
3-D Secure & step-up
Dynamic 3DS, OTP and device checks triggered only when risk signals demand it.
Fraud & AML screening
Velocity rules, sanctions/PEP screening and configurable limits on every transaction.
Immutable audit trail
Every state change is logged and signed — export a clean history for any auditor.
Isolated environments
Separate keys, data and webhooks for sandbox and live. No cross-contamination.
Signed webhooks
HMAC signatures and replay protection so you can trust every event you receive.
Teams ship faster on MaripaPay
“We replaced three separate mobile-money integrations with one MaripaPay call. Failed payments dropped by 40% because of automatic failover.”
“Reconciliation used to take our finance team two days a month. Now the ledger matches provider webhooks in real time — it's basically done.”
“The sandbox lets us simulate a provider outage before we ship. That alone made the migration worth it for our engineering team.”
Explore Our Pricing Plans
Starter
Perfect for early-stage startups and small businesses.
No setup fees, cancel anytime
What's included:
Growth
For scaling companies with high transaction volumes.
Scales with your transaction volume
Everything in Starter, plus:
Common Questions
A quick guide to how MaripaPay works, what it supports, and how it keeps your payment flow under control.
Integrate With Your Stack
Seamlessly, Anytime, Anywhere
Give your whole team — developers, finance, and support — real-time visibility into every payment, from a dashboard that works wherever you do.