Solutions

One platform, every integrator

Whether you collect in North America or payout across Africa — launch, manage, and scale cross-border payment services on infrastructure built for emerging and global markets.

01

Diaspora fintechs & remittance apps

  • Embeddable Partner API — your brand and UX on top
  • Sandbox environment + OpenAPI spec
  • Idempotent payment creation & signed webhooks
  • Canada → Tanzania corridor, live today

Problem

Building send and receive rails per corridor is slow, expensive, and compliance-heavy.

Moja Switch role

Embed Moja Switch via Partner API. Your brand, your UX — our orchestration, compliance, and settlement.

Outcome

Launch Canada → Tanzania in weeks, not quarters. Single integration, multiple rails.

02

Banks & credit unions

  • White-label integration behind your product
  • FINTRAC-registered collection & regulated payout
  • Compliance screening and an immutable audit trail
  • No payments team to stand up from scratch

Problem

Members want diaspora remittance, but direct rail integration is outside core banking scope.

Moja Switch role

White-label infrastructure behind your member-facing product. FINTRAC-registered collection and regulated payout.

Outcome

Offer competitive cross-border payments without building a payments team from scratch.

03

Billers, schools & utilities

  • TZS payout via mobile money or bank transfer
  • Payment-status webhooks per transaction
  • Full audit trail on every payment
  • Funds delivered to institutional payees in minutes

Problem

Diaspora payers want to pay Tanzanian schools, utilities, and merchants directly.

Moja Switch role

Receive TZS via mobile money or bank transfer. Payments initiated through partner apps on Moja Switch rails.

Outcome

Institutional payees receive funds in minutes with full audit trail.

04

Institutional disbursements

  • Programmatic disbursement API
  • Compliance screening on every payment
  • Reconciliation and end-to-end audit
  • Corridor expansion as the platform grows

Problem

NGOs, payroll providers, and government bodies need reliable cross-border disbursement at scale.

Moja Switch role

Programmatic disbursement APIs with compliance built in. Corridor expansion as the platform grows.

Outcome

Regulated, auditable disbursements without managing rail relationships per country.

Included

What every integration gets

The same regulated foundation underneath every solution — so you ship a payment product, not a payments company.

api

One Partner API

REST endpoints for the full payment lifecycle — integrate once, not per rail or per corridor.

idempotency

Idempotent money movement

Every payment carries an Idempotency-Key; retries and timeouts collapse to a single effect.

webhooks

Signed webhooks

HMAC-signed, retried delivery on every state change — stay in sync without polling.

compliance

Compliance on the path

Sanctions, AML, and identity screening run on every payment and fail closed.

settlement

Prefunded settlement

Receive-side liquidity and treasury are handled for you — payouts don't wait on funding.

audit

Immutable audit trail

Every transaction is reconstructable end to end, with a double-entry ledger as the source of truth.

sandbox

Sandbox + OpenAPI

A full sandbox and OpenAPI spec so you build and test against the real contract before production.

corridors

Corridor entitlements

API keys scoped per partner and corridor. Canada → Tanzania is live; more are on the roadmap.

See how it works under the hood →

Integration

From sandbox to live

A clear path from first call to production money movement — the regulated steps in the open, not a black box.

01

Scope & sandbox access

Tell us your integration model. Get sandbox keys and the OpenAPI spec to explore endpoints, idempotency, and webhooks.

02

Build the integration

Integrate against REST endpoints and signed webhooks in the sandbox — the same contract you run in production.

03

Compliance & onboarding

Partner agreement, corridor entitlements, and compliance review — the regulated groundwork before money moves.

04

Go live

Production keys and launch on the Canada → Tanzania corridor, with support as you scale.

Build vs. buy

What you'd build yourself — or run on Moja Switch

Cross-border payments are a full stack of rails, compliance, and money integrity. Here's what Moja takes off your plate.

Time to launch
Build it yourselfMonths building and certifying rails, compliance, and settlement
On Moja SwitchWeeks against a single versioned API
Send & receive rails
Build it yourselfIntegrate and maintain each PSP, bank, and mobile-money rail yourself
On Moja SwitchRail adapters and prefunded settlement included
Compliance & licensing
Build it yourselfRegister as an MSB and build sanctions, AML, and KYC screening
On Moja SwitchFINTRAC-registered switch with screening on the path
Money integrity
Build it yourselfBuild a ledger, reconciliation, and audit trail from scratch
On Moja SwitchDouble-entry ledger and daily reconciliation built in
Ongoing operations
Build it yourselfOwn monitoring, retries, and incident response across providers
On Moja SwitchOne managed switch, one integration to maintain

Why Moja Switch

Why partners choose Moja Switch

Designed for scale and interoperability — so you can focus on your product, not the rails underneath.

Built for emerging and global markets

Designed for scale and interoperability

Compliance-first architecture

Developer-friendly APIs

Secure, resilient, cloud-native infrastructure

Deep expertise in payments, fintech, and international markets

Read our full story →

Ready to integrate?

Commercial terms tailored to your integration model. No self-serve pricing — talk to us.

Book a demoView API