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1# Collect a mobile money payment
2# Docs: docs.usebila.com/developers/collections
3
4curl --request POST \\
5 --url https://api.usebila.com/api/v1/bila/collections/mobile-money \\
6 --header 'Content-Type: application/json' \\
7 --header 'x-api-key: sk_live_xxxxxxxxxx' \\
8 --data '{
9 "accountId": "acct_01H8MZXK3V...",
10 "amount": 500,
11 "currency": "ZMW",
12 "provider": "mtn",
13 "phoneNumber": "260971234567",
14 "reference": "order_2024_001",
15 "narration": "Payment for Premium Plan"
16 }'
17
18# Response:
19# {
20# "id": "col_01J9NZXK4W...",
21# "status": "pending",
22# "amount": 500,
23# "currency": "ZMW",
24# "provider": "mtn",
25# "phoneNumber": "260971234567",
26# "reference": "order_2024_001",
27# "createdAt": "2026-05-26T20:00:00Z"
28# }Integration
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Full simulation environment. Every payment flow — collections, payouts, webhooks — zero real money.
Payments
AirtelMoney
MTNMoMo
ZamtelMoney
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Endpoints
EndpointsThree endpoints. Every rail.
One API key. One integration. Every payment method in Africa.
POST /collections
Collect money — mobile money, cards, USSD. One call initiates a payment from any method on the continent.
POST /payouts
Send money — to mobile wallets, bank accounts, or other Bila wallets. Individual or bulk disbursements.
GET /transactions
Real-time status on every transaction. Full audit trail, webhook delivery, and reconciliation data.
Webhooks, not polling
Real-time push notifications on every status change. Never poll again.
Sub-wallets via API
Isolate funds by customer, project, or entity — create and manage wallets programmatically.
Full sandbox
Test every flow with simulated transactions. Same API, zero real money.
Use Cases
Use CasesBuilt for builders, not bankers.
Every scenario where code needs to move money — Bila has an endpoint for that.
AI Agent Payments
Let your agents collect and disburse autonomously via API. Built for the agentic era.
SaaS Billing
Recurring collections, usage-based billing, and automated payouts — all through one API.
Marketplace Settlements
Collect from buyers, split to sellers, settle to banks — programmatically.
Embedded Finance
White-label payment flows inside your product. Sub-wallets per customer, all via API.
Payroll API
Bulk disbursements to mobile wallets and bank accounts. One call, thousands of payouts.
Payment Links API
Generate checkout links programmatically. No frontend required.
Why Bila
Why BilaThe API you trust.
Built for developers who need reliability, speed, and full control over their payment stack.
5-minute integration
npm install, import, ship. Our SDK does the rest. First API call in under 5 minutes.
Full sandbox
Test every flow with simulated transactions. Same API, zero real money.
Webhooks, not polling
Real-time push notifications on every status change. Push, not pull.
Multi-rail routing
One API, automatic failover across mobile money, cards, and bank. We route, you ship.
Sub-wallets via API
Isolate funds by customer, project, or entity — create and manage wallets programmatically.
Audit-grade logs
Every API call logged. Every transaction traceable. Built for compliance.
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James Fincher
CTO, SwiftPay
4h
Integration
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