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book-openIntroduction

The MOMO Collection & Payout API lets you collect payments from customer mobile wallets and send money to mobile wallets, bank accounts and billers. Both collection and payout share the same authentication, error format, and webhook pattern.

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What you can do

Collection:

  • Initiate USSD collections — push a payment prompt to a customer's phone

  • Track collection status — query the outcome of a collection request

Payout:

  • Send to mobile wallets — disburse to Airtel Money, M-Pesa, Mixx by Yas, HaloPesa

  • Send to bank accounts — disburse to any licensed bank in Tanzania and Kenya

  • Pay utility bills — pay LUKU, DAWASA, GEPG, and other billers

  • Process remittances — international transfers to Tanzania via mobile money or bank

  • Track payout status — query the outcome of a payout request

Wallet balances and transaction history are managed through the Wallet Management API.

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How it works

Collection:

  1. You call the Initiate Collection endpoint with the customer's phone number, amount, and channel

  2. The customer receives a USSD prompt on their phone

  3. The customer enters their PIN to authorize (or rejects / lets it time out)

  4. TemboPlus sends a webhook to your callbackUrl with the result

Payout:

  1. You call the Initiate Payout endpoint with the recipient details, amount, and channel

  2. TemboPlus routes the transaction through the appropriate payment system

  3. The recipient's mobile wallet or bank account is credited

  4. TemboPlus sends a webhook to your callbackUrl with the result

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Getting started

To integrate, you need:

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From TemboPlus:

  • API Base URL (The root endpoint for all API interactions.)

  • Partner Account ID (x-account-id)

  • Partner Secret Key (x-secret-key)

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From Your Side:

  • A callbackUrl per transaction — an HTTPS endpoint that accepts POST requests with JSON payloads

Email sales@temboplus.comenvelope to begin onboarding.

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Environment notice

Sandbox and production environments are available for most channels. Credentials are environment-specific — sandbox credentials do not work in production.

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Base URL

Sandbox

https://sandbox.temboplus.com/tembo/v1

Production

https://api.temboplus.com/tembo/v1

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Remittance is available in the live environment only. Sandbox access is not supported for remittance transactions.

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Authentication

Every request requires these headers:

  • x-account-id: Your partner account identifier.

  • x-secret-key: Your API secret key.

  • x-request-id: A UUID v4 you generate per request. Store this — it's how TemboPlus traces requests for support.

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Never expose your credentials in client-side code or public repositories. Store them in environment variables or a secrets manager.

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Support

Email operations@temboplus.comenvelope. Include your x-account-id and the x-request-id of the failing request.

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