# MarzPay Docs

> Collect and disburse money across 12 African markets with one API. Mobile money, cards, bank transfers, bills, and airtime.

## Docs

- [Welcome to MarzPay](/index): One API to collect and disburse money across 12 African markets.
- [Quickstart](/start-here/getting-started): Create an account, copy your credentials, and collect your first payment.
- [API basics](/start-here/api-overview): Authentication, request conventions, response envelopes, statuses, and error codes.
- [Sandbox Mode](/start-here/sandbox-mode): Test the MarzPay API without processing real transactions
- [Public Pricing](/start-here/public-pricing): Published collection and disbursement fees by country and network
- [Collections](/payments/collections): Collect money from customers using mobile money across 12 African markets
- [Card Payments](/payments/card-payments): Collect payments from customers using debit or credit cards via the MarzPay card gateway
- [Payment Links](/payments/payment-links): Create and manage shareable payment links for easy payment collection
- [Send Money](/disbursements/send-money): Send money to recipients via mobile money across 12 African markets
- [Bank Transfer](/disbursements/bank-transfer): Request bank transfers to send money to bank accounts
- [Bill Payments](/bills-airtime/bill-payments): Pay utility bills including electricity, water, and TV subscriptions
- [Airtime & Data](/bills-airtime/airtime-data): Buy MTN Uganda airtime and data bundles - instant result, no callbacks
- [Phone Verification](/bills-airtime/phone-verification): Verify phone numbers and retrieve user information
- [Webhooks](/platform/webhooks): Set up webhooks to receive real-time payment notifications
- [Transaction Details](/platform/transaction-details): Check transaction status and retrieve transaction information
- [Security](/platform/security): Security best practices and authentication methods
- [Integration Tools](/integration-tools/overview): Postman collection, OpenAPI spec, and API playground for integrating with MarzPay
- [MarzPay Skill for Coding Assistants](/ai-integration/marzpay-skill): Use the MarzPay skill file with your preferred coding assistant for API integration
- [FAQ](/help/faq): Frequently asked questions and answers
- [Troubleshooting](/help/troubleshooting): Common issues and their solutions
- [Changelog](/help/changelog): API, docs, and integration updates
- [Markets Overview](/countries/overview): All 12 African markets supported by MarzPay: mobile money, collections, and disbursements
- [Kenya (M-Pesa)](/countries/kenya): Collect and send money in Kenya with KES and +254 numbers
- [Rwanda (MTN / Airtel)](/countries/rwanda): Collect and send money in Rwanda with RWF and +250 numbers
- [DRC (CDF / USD)](/countries/drc): Collect and send via Vodacom, Airtel, and Orange with dual wallets
- [Cameroon (MTN / Orange)](/countries/cameroon): Collect and send money in Cameroon with XAF and +237 numbers
- [Zambia (MTN / Airtel / Zamtel)](/countries/zambia): Collect and send money in Zambia with ZMW and +260 numbers
- [West & Central Africa](/countries/west-africa): Benin, Côte d'Ivoire, Gabon, Congo-Brazzaville, Senegal, and Sierra Leone mobile money
- [Initiate collection](/api/post-collect-money): Mobile money (default): customer receives a payment prompt for the selected country (Uganda, Kenya, Rwanda, DRC, Zambia, Cameroon, Benin, Côte d'Ivoire, Gabon, Congo-Brazzaville, Senegal, or Sierra Leone).
- [List collection services](/api/get-collect-money-services)
- [Get collection by UUID](/api/get-collect-money-uuid)
- [Send money (disbursement)](/api/post-send-money): Requires IP whitelist, API disbursement permission, and sufficient balance.
- [List disbursement services and limits](/api/get-send-money-services)
- [Get disbursement by UUID](/api/get-send-money-uuid)
- [Create bank transfer](/api/post-bank-transfer): Debits wallet (amount + charge). Validate account first with POST /bank-transfer/validate.
- [Validate bank account](/api/post-bank-transfer-validate)
- [List supported banks](/api/get-bank-transfer-banks)
- [Check if bank transfer is available](/api/get-bank-transfer-services)
- [Get transfer by reference](/api/get-bank-transfer-reference)
- [Pay a utility bill](/api/post-bill-payment): Requires IP whitelist. Wallet debited for amount + service charge.
- [Verify meter or account number](/api/post-bill-payment-verify)
- [List bill payment transactions](/api/get-bill-payment)
- [Utility service requirements](/api/get-bill-payment-services)
- [List NWSC areas](/api/get-bill-payment-nwsc-areas)
- [List DSTV bouquet codes and prices](/api/get-bill-payment-dstv-bouquet-codes)
- [List GOTV bouquet codes and prices](/api/get-bill-payment-gotv-bouquet-codes)
- [Get bill payment by reference](/api/get-bill-payment-reference)
- [Purchase airtime or data bundle](/api/post-airtime-data): No merchant webhooks - poll GET /airtime-data/{reference} for pending Airtel data bundles.
- [List airtime and bundle catalog](/api/get-airtime-data-catalog)
- [List airtime/data purchases](/api/get-airtime-data)
- [Get purchase by reference](/api/get-airtime-data-reference)
- [Detect network from MSISDN](/api/get-airtime-data-detect-network)
- [Provider float balances](/api/get-airtime-data-provider-balances)
- [Verify phone number](/api/post-phone-verification-verify)
- [Phone verification service info](/api/get-phone-verification-service-info)
- [Subscription status](/api/get-phone-verification-subscription-status)
- [List transactions](/api/get-transactions)
- [Get transaction by UUID](/api/get-transactions-uuid)
- [Get account balance](/api/get-balance): Returns main wallet, card wallet, account status, limits, and period summaries for the resolved country.
- [Get balance history](/api/get-balance-history): Paginated wallet history for the resolved country. Requires IP whitelist.
- [Get account details](/api/get-account)
- [Update account](/api/put-account)
- [List webhooks](/api/get-webhooks)
- [Create webhook](/api/post-webhooks)
- [Get webhook](/api/get-webhooks-uuid)
- [Update webhook](/api/put-webhooks-uuid)
- [Delete webhook](/api/delete-webhooks-uuid)