Introduction

The TchokoPay API moves money in both directions. You call it from your backend; we handle the mobile money networks.

What you can do

Collect

Take a payment from a customer — either by charging their number directly, or by sending them to a hosted checkout page.

Disburse

Send money from your balance to any mobile money number.

Discover

Ask what countries, networks and amounts we support, instead of hardcoding them.

Two ways to collect

Both settle into the same balance and report through the same webhook. Pick per payment — you can use both.

	Charge a number	Hosted checkout
	`POST /v1/collect/charge`	`POST /v1/collect/checkout`
Customer experience	Stays in your app. A prompt arrives on their phone.	Redirected to a TchokoPay page, then back.
You collect	Their number and network	Nothing
You build	Your own payment form	A redirect
Available methods	Mobile money	Mobile money, card, Bitcoin, Lightning

If you already have the customer's phone number, charge it. If you'd rather not handle numbers or network selection, redirect.

Sending money

POST /v1/disburse sends money from your TchokoPay balance to a mobile money number. You name the amount, the country, the network and the number; we deliver it and tell you when it lands.

Your balance is funded by what you collect. Disbursement is enabled per account — ask us if it isn't on yours yet.

Getting started

Quickstart

A working call in five minutes.

API keys

Create a key and choose what it can do.

API Reference

Every endpoint, field and error.

Webhooks

Get told the moment something resolves.

Base URL

https://connect.tchokopay.com

Every endpoint is under /v1. All requests need an Authorization: Bearer header.

Where we operate

Cameroon (MTN MoMo, Orange Money) today, with more countries opening over time.

Rather than hardcoding that, call GET /v1/countries and GET /v1/account/providers — they tell you what is available to your account right now, and stay correct as we expand.