Payments

Pay how your customers pay.

NetOS connects to the payment providers your operators actually use. Bring your own credentials, we handle the rest.

East Africa

Built in

Where NetOS was built. M-Pesa is first-class — STK Push, C2B callbacks, paybill or till. Pesapal covers card and mobile money across the region.

  • M-PesaSafaricom Daraja, Kenya: STK Push and C2B on your paybill or till.
  • KopoKopoM-Pesa STK Push through KopoKopo, Kenya.
  • Pesapalv3 OAuth. Kenya, Uganda, Tanzania, Rwanda, Malawi, Zambia.

Africa (wider)

Built in

Cross-border collections through aggregators that cover most African markets, including card and local mobile money.

  • FlutterwaveNigeria, Ghana, Kenya, South Africa, Côte d’Ivoire, Cameroon, Uganda, Rwanda, Zambia, and more.
  • PaystackNigeria, Ghana, South Africa, Kenya. NGN, GHS, ZAR, KES, USD.
  • PayPalGlobal card and PayPal balance — works for operators with customers outside the region too.

Coming

Coming

Being built now. Not available yet: we list them so you know what is next, and we will tell you when each one works.

  • Vodacom M-Pesa (Tanzania)PIN prompt on the customer’s phone, settling straight into your own Till.
  • MTN MoMo, Airtel Money, Orange MoneyDirect mobile money across more African countries.

Cash

Built in

Universal. Operators record cash payments manually — they hit the same ledger and trigger the same actions (reconnect, SMS receipt, invoice update, revenue counter) as electronic payments.

  • Manual cash receiptsLogged by you or your team. Full audit trail in accounting.

Defaults work for most operators. If your country needs a provider we haven’t shipped yet, we’ll build the integration in for you — payment drivers are designed to be added cleanly.

How it works

Three steps to taking payment.

  1. Step 1

    Bring your own credentials

    Sign up for your provider (M-Pesa Daraja, Pesapal, Flutterwave, Paystack, whichever fits your country). You hold the relationship and the money lands in your account.

  2. Step 2

    Plug in once

    Paste your API keys into NetOS settings. Provider goes live in seconds. Switch providers later without changing how your customer bills look.

  3. Step 3

    The platform takes it from there

    Customer pays, NetOS reads the callback, RADIUS reconnects them, SMS receipt sends, invoice posts, revenue counter ticks up. You don’t touch anything.

Don’t see your provider?

Tell us where you operate and which gateway you use. We add new providers cleanly — usually within a week.