Morapay Developer Docs

Merchant withdrawals and disbursement batch recipients settle to local rails.

Withdrawal rails

Rail	Country	Currency	Method	Bank code required
Ghana mobile money	GH	GHS	MOBILE MONEY	No
Nigeria bank account	NG	NGN	BANK ACCOUNT	Yes
Ghana bank account	GH	GHS	BANK ACCOUNT	Yes

Ghana mobile money carriers

Carrier	Channel
MTN	1
Telecel	6
AT AirtelTigo	7

Mobile money operators

Currency	Operator
GHS	MTN
GHS	Telecel Vodafone
GHS	AirtelTigo
KES	M-PESA
KES	Airtel Kenya
KES	Telkom Kenya

MoMo list shown from platform defaults. Sync catalog for the live operator list.

Banks by market

Bank lists are synced per market. Run pnpm sync:providers in core/ to refresh the catalog snapshot, then re-export docs coverage. Fetch live lists from the Morapay API:

curl -s "https://api.morapay.io/api/public/fiat/banks?country=ghana"

curl -s "https://api.morapay.io/api/v1/merchant/payout-rails/banks" \
  -H "Morapay-Key: pk_test_..." \
  -H "Morapay-Timestamp: ..." \
  -H "Morapay-Signature: v1=..."

Payout timing & limits
Payouts & MoMo

Chains & tokens Disbursement tokens

​Withdrawal rails

​Ghana mobile money carriers

​Mobile money operators

​Banks by market

​Related

Withdrawal rails

Ghana mobile money carriers

Mobile money operators

Banks by market

Related