Build your way,
grow your way.
One API. Every payment rail in Africa. Collect mobile money, process cards, settle to bank — all without rebuilding your stack.
Built by world-class engineers
Trusted by fast growing startups
Vibe integrate.
Our docs are structured for AI coding tools. Drop them into Cursor, Copilot, or Claude, and let your IDE write the integration.
1package main
2
3import (
4 "bytes"
5 "encoding/json"
6 "fmt"
7 "io"
8 "net/http"
9)
10
11func main() {
12 body, _ := json.Marshal(map[string]interface{}{
13 "accountId": "acct_01H8MZXK3V...",
14 "amount": 500,
15 "currency": "ZMW",
16 "provider": "mtn",
17 "phoneNumber": "260971234567",
18 "reference": "order_2024_001",
19 "narration": "Payment for Premium Plan",
20 })
21
22 req, _ := http.NewRequest("POST",
23 "https://api.usebila.com/api/v1/bila/collections/mobile-money",
24 bytes.NewBuffer(body))
25 req.Header.Set("Content-Type", "application/json")
26 req.Header.Set("x-api-key", "sk_live_xxxxxxxxxx")
27
28 resp, _ := (&http.Client{}).Do(req)
29 defer resp.Body.Close()
30 result, _ := io.ReadAll(resp.Body)
31 fmt.Println(string(result))
32}Ship in minutes.
Three steps from sandbox to production.
Sign up, grab your keys, and add them to your codebase.
Simulate every payment flow with test credentials before going live.
Payments
AirtelMoney
MTNMoMo
ZamtelMoney
Swap one key. Same code, real transactions.
Team Members
Manage access and roles
Three endpoints. Infinite reach.
Collections, payouts, and transaction tracking across mobile money and bank rails.
Initiate a payment via mobile money, payment links, or QR code.
{
"amount": 5000,
"currency": "ZMW",
"method": "mobile_money",
"provider": "mtn",
"phone": "+260971234567",
"callback_url": "https://yourapp.com/webhook"
}Webhooks, not polling
Push notifications on every status change.
Real-time balances
Ledger and available balances, always in sync.
Full sandbox
Simulate every flow with test credentials before going live.
Built for builders.
Collect and disburse via API or the console. Developer-first, merchant-ready.
Mobile Money Collections
Accept payments from Airtel Money and MTN MoMo. Initiate a collection, get a webhook when it clears.
Bank & Mobile Disbursements
Send payouts to bank accounts and mobile wallets. Verify recipients before you transfer.
Payment Links
Create shareable checkout links from the console or via API. No frontend needed — just send the link.
Account Verification
Resolve bank and mobile money accounts in real-time. Confirm the recipient before the money moves.
Webhooks & Events
Real-time notifications on every transaction state change. Configurable, signed, with full delivery history.
Wallets & Balances
Track balances across accounts in real-time. Ledger and available balances, always in sync.
The API you trust.
Reliability, speed, and full control over your payment stack.
5-minute integration
Install, import, and make your first API call in minutes.
Full sandbox
Test every flow with simulated transactions before going live.
Webhooks, not polling
Real-time push notifications on every status change.
Account verification
Resolve bank and mobile money recipients before sending funds.
Real-time balances
Ledger and available balances across all accounts, always in sync.
Audit-grade logs
Every API call logged. Every transaction traceable.
Trusted by Fast Growing Startups
"We integrated Bila in less than an afternoon. The developer experience is unmatched in the region—clean documentation, robust SDKs, and helpful support."
James Fincher
CTO, SwiftPay
4h
Integration
FAQs
Frequently Asked Questions
Common questions about Bila's API, pricing, and integration.
Get started
Start building with Bila.
Go from sign-up to your first transaction in minutes.