Coverage
Where the gateway can collect from payers and pay out to recipients today, by country, currency, method and direction. Coverage is a living matrix: it grows as upstream processors are activated and payout wallets are funded, and a corridor can close temporarily when a provider degrades. This page is the human-readable summary; the API is the truth.
The API is the source of truth
GET /v1/providers, called with your own key, returns the exact corridors open for you right now: provider, country, currency, operator, method, direction, per-corridor amount limits and live health. Build your country and method selector from that answer rather than hardcoding this page; a corridor that closes answers an honest corridor_closed on create rather than failing the payer downstream.
curl https://api.capayglobal.com/v1/providers \ -H "Authorization: Bearer sk_live_XXXXXXXXXXXX"
The tables below are the production snapshot as of 2026-08-30.
Collections (accepting payments)
Mobile money collections are live in the following countries. Amounts are always in the local currency of the corridor.
| Country | Currency | Operators | Payer experience |
|---|---|---|---|
| BFBurkina Faso | XOF | Orange, Moov | Hosted page |
| BJBenin | XOF | MTN, Moov | STK prompt / hosted page |
| CDDR Congo | CDF | Airtel, Orange, Vodacom M-Pesa | STK prompt |
| CGCongo-Brazzaville | XAF | MTN, Airtel | STK prompt / hosted page |
| CICôte d'Ivoire | XOF | MTN, Orange (prompt on the phone); Moov, Wave (hosted page; send operator "wave" to pick Wave) | STK prompt / hosted page |
| CMCameroon | XAF | MTN, Orange | STK prompt / hosted page |
| GAGabon | XAF | Airtel | STK prompt |
| GHGhana | GHS | MTN, Airtel | Hosted page |
| GNGuinea | GNF | MTN, Orange | Hosted page |
| KEKenya | KES | M-Pesa | STK prompt / hosted page |
| MLMali | XOF | Orange, Moov | Hosted page |
| NENiger | XOF | Airtel | Hosted page |
| NGNigeria | NGN | card, bank transfer or USSD on the hosted page; one-time virtual bank account (method bank) | Hosted page |
| RWRwanda | RWF | MTN, Airtel | STK prompt |
| SLSierra Leone | SLE | Orange | STK prompt |
| SNSenegal | XOF | Orange, Free (prompt on the phone); Wave (hosted page; send operator "wave" to pick Wave) | STK prompt / hosted page |
| TGTogo | XOF | T-Money, Moov | Hosted page |
| TZTanzania | TZS | payer selects on the hosted page | Hosted page |
| UGUganda | UGX | MTN, Airtel | STK prompt / hosted page |
| ZMZambia | ZMW | MTN, Airtel, Zamtel | STK prompt |
The payer experience depends on which rail routing picks for the corridor at that moment: an STK prompt pushed to the payer's phone (auth_model STK_PROMPT), or a redirect to a hosted payment page where the payer picks their operator (auth_model REDIRECT with hosted_url). Always branch on auth_model in the response rather than assuming one per country. Payment links & checkout
Nigeria: live
Nigeria (NGN) collections are live in production on two rails. method bank issues a one-time virtual bank account the payer funds by transfer (the payer supplies a BVN or NIN and must pay from an account in the same name; minimum 1,000 NGN). method mobile_money routes to a hosted payment page where the payer chooses card, bank transfer or USSD (auth_model REDIRECT with hosted_url; the hosted page adds its own digital charge). GET /v1/providers is the truth for what is open right now.
Payouts (sending money)
Payouts are live in the following countries (mobile money, and bank transfer in Nigeria):
| Country | Currency | Operators |
|---|---|---|
| CMCameroon | XAF | MTN, Orange |
| GAGabon | XAF | Airtel |
| UGUganda | UGX | MTN, Airtel |
| KEKenya | KES | M-Pesa |
| GHGhana | GHS | MTN, Vodafone Cash, Airtel |
| TZTanzania | TZS | Airtel, Tigo Pesa, HaloPesa, M-Pesa, Ezy Pesa |
| CICôte d'Ivoire | XOF | MTN, Orange |
| SNSenegal | XOF | Free Money, Orange |
| CGCongo-Brazzaville | XAF | Airtel, MTN |
| BJBenin | XOF | Moov, MTN |
| RWRwanda | RWF | Airtel, MTN |
| CDDR Congo | CDF | Airtel, Orange, Vodacom M-Pesa |
| ZMZambia | ZMW | Airtel, MTN, Zamtel |
| SLSierra Leone | SLE | Orange |
| NGNigeria | NGN | Bank transfer |
| BFBurkina Faso | XOF | Orange, Moov, TouchCash |
| MLMali | XOF | Orange, Moov, Wave |
| TGTogo | XOF | T-Money, Moov |
| GNGuinea | GNF | MTN, Orange |
| NENiger | XOF | Airtel |
Payouts only open where we hold a funded payout wallet in the corridor's currency, because a payout spends real float the moment the provider accepts it. More payout corridors open as wallets are funded; a payout created while every route is down does not fail: it enqueues with its reserve held and dispatches automatically when a provider recovers.
Methods
mobile_money is the live production method in both directions across the mobile-money markets, and in Nigeria it routes to the hosted page (card, bank transfer or USSD). bank is live in production for Nigerian collections (one-time virtual account) and accepted everywhere in the sandbox. card is never served on this API surface: card data anywhere in a request is rejected with card_data_rejected and never stored; card payments happen only on the hosted page.
Sandbox coverage
The sandbox simulator covers CM, CI, GH, KE, NG and SN with deterministic outcomes, whatever the production matrix says: it exists to exercise your integration, not to mirror live coverage. See the Sandbox guide for the scenario catalog.