Powering Digital Payments
Across Africa.
Connect once and access mobile money, cards, banks, and alternative payment methods through a single API. Built for enterprise scale, designed for African markets.
Transactions Today
2.4M+
API Uptime
99.98%
Scroll
0M+
Transactions Processed
Monthly volume
0+
Active Merchants
Across Africa
0
Countries Supported
And growing
0.00%
API Uptime SLA
24/7 monitored
Everything you need to accept payments
Payment Gateway
Accept payments from mobile money, cards, bank transfers, and QR codes through one unified integration.
Merchant Portal
Full-featured dashboard for transaction monitoring, reconciliation, and settlement management.
- Real-time Analytics
- Reconciliation Engine
- Settlement Reports
- Multi-currency
REST APIs & SDKs
Developer-first APIs with comprehensive SDKs, webhooks, and sandbox environment.
- REST APIs
- Webhooks
- Python, Node.js, PHP, Java, C#
- Sandbox
Fraud Management
AI-powered risk scoring, velocity checks, and AML controls protect every transaction.
Ready to integrate?
Get started with our sandbox in minutes. Full API documentation, SDKs, and dedicated support included.
Every payment method, one integration
Stop managing multiple payment provider integrations. Bilcart connects you to mobile money operators, card networks, banks, and alternative payment methods through a single REST API.
M-Pesa
Mobile Money
Kenya, Tanzania
MTN MoMo
Mobile Money
Ghana, Uganda, Rwanda
Airtel Money
Mobile Money
Nigeria, Zambia, Malawi
Visa
Card Network
Global
Mastercard
Card Network
Global
Bank Transfer
Banking
Pan-Africa
USSD Payments
Alternative
All markets
QR Payments
Alternative
Pan-Africa
Platform Integrations
The infrastructure Africa's top fintechs rely on
From seed-stage startups to tier-1 banks, companies across Africa trust Bilcart to handle their most critical payment flows.
50ms
Avg response
Sub-second Processing
Our infrastructure delivers 50ms average API response times with 99.98% uptime SLA — faster than any regional competitor.
PCI L1
Certified
PCI DSS Level 1 Certified
The highest level of payment security certification. Every transaction is encrypted, monitored, and protected by AI-powered fraud detection.
15+
Countries
Built for Africa
Local infrastructure, local payment methods, local compliance. We understand the nuances of each African market — from USSD to mobile money to bank rails.
3 days
Avg setup
Developer-First APIs
Comprehensive REST APIs, SDKs in 5 languages, interactive sandbox, and dedicated developer support. Integrate in days, not weeks.
Live
Analytics
Real-time Intelligence
Live transaction dashboards, automated reconciliation, instant settlement reports, and custom analytics — all in one merchant portal.
24/7
Support
Enterprise Support
Dedicated account managers, 24/7 technical support, SLA-backed response times, and hands-on onboarding for every enterprise client.
Trusted by Africa's leading fintechs
CTO, PesaLink Ghana — Accra, Ghana
“Bilcart cut our payment integration time from 8 weeks to 4 days. Their API documentation is the best we've encountered from an African payment provider — bar none.”
Kwame Asante
CTO, PesaLink Ghana
4 days
Integration time
Enterprise-grade security, certified
Every certification, every audit, every control — so your compliance team can say yes.
PCI DSS Level 1
Highest payment security
ISO 27001
Information security
GDPR Compliant
Data protection
AML Controls
Anti-money laundering
SOC 2 Type II
Security & availability