Services

Everything you need to accept money in Malawi

Mobile money, bank rails and cards — unified behind one modern API with compliance and risk tooling included.

📱

Mobile money

Accept payments from Airtel Money and TNM Mpamba — the two networks that power everyday payments for millions of Malawians. Push-to-pay and USSD-friendly flows.

  • • Airtel Money (dominant market share)
  • • TNM Mpamba
  • • Instant confirmation webhooks
  • • Sandbox with real status simulation
🏦

Bank transfers & NatSwitch

Collect via Malawi’s national payment switch. Instant EFT, bank-to-wallet and wallet-to-bank flows with clear reconciliation.

  • • NatSwitch connectivity
  • • Instant retail fund transfers
  • • Major commercial banks
  • • Single reconciliation report
💳

Cards (Visa & Mastercard)

Tokenised card acceptance with 3-D Secure 2. Multi-currency pricing and dynamic currency conversion for international customers.

  • • Visa & Mastercard
  • • 3-DS2 & tokenisation
  • • Hosted checkout page
  • • FX & multi-currency
🛡️

Fraud & risk

Machine-learning risk scoring, velocity rules and device fingerprinting so bad transactions never reach settlement.

  • • Real-time ML scoring
  • • Velocity & amount rules
  • • Device fingerprinting
  • • Configurable block / review

Checkout

Hosted checkout or full API control

Drop in our hosted payment page or build a fully custom experience with the same underlying rails.

Hosted checkout Brandable payment page. Minimal code. Mobile-money and card in one flow.
Payment links Generate shareable links for invoices, WhatsApp and social commerce.
Direct API Full control for apps, POS and custom checkout experiences.
Webhooks Signed, retryable events for success, failure and disputes.
HOSTED CHECKOUT PREVIEW
Order #LF-48291
MK 64,500
Airtel MoneyRecommended
TNM Mpamba—
Bank transfer—
Visa / Mastercard—
Pay MK 64,500

Pricing

Transparent, volume-friendly pricing

No monthly minimums for early-access partners. Pricing finalised at go-live with the Reserve Bank of Malawi licence.

Mobile money

From

1.5–2.5%

Per successful collection. Volume discounts available.

Bank transfer

From

Flat + %

Competitive NatSwitch-aligned rates for higher-value transfers.

Cards

From

2.9% + fee

International scheme rates + local processing. FX transparent.

Final commercial terms shared during onboarding. Early-access partners receive preferential rates.

Ready to accept MWK?

Request early access and we will provision a sandbox account within one business day.

Request early access →