Tola Wallet API

The Tola Wallet API enables mobile money payments across Africa. Collect payments from consumers (charges), send money to consumers (disbursements), create hosted checkout pages, and poll for transaction results via the Events stream.

Authentication

All API requests use HTTP Basic Authentication. Your credentials are provided during onboarding.

Amounts

All monetary amounts are expressed in centile (the smallest currency unit). For example, 1 KES = 100 centile.

Supported Channels

Channels identify the mobile money operator using the format COUNTRY.OPERATOR.

The examples below are illustrative only and do not represent the full set of supported channels. For a complete and current list of supported countries, see Tola coverage.

• KENYA.SAFARICOM — M-Pesa Kenya
• KENYA.AIRTEL — Airtel Money Kenya
• TANZANIA.VODACOM — M-Pesa Tanzania
• TANZANIA.TIGO — Tigo Pesa Tanzania
• TANZANIA.AIRTEL — Airtel Money Tanzania

Idempotency

• Transactions: The sourcereference field is deduplicated within a 48-hour window.
• Checkouts: The initiatorReference field is deduplicated within a 24-hour window (default).

Getting Results

API requests are asynchronous. A successful response means the request was accepted, not that the payment completed. Use the Events API (recommended) or webhook callbacks to receive the final result.

See Security for detailed security guidelines.