Seamless Integration

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Seamless Integration

Mobile money continues to grow exponentially across developing markets. The seamless integration of service providers with mobile money platforms is key to provide underserved people with wider access to critical products. By providing easily accessible APIs, operators can create almost endless opportunities to build additional services on top of mobile money as well as opportunities to monetise those services.

This workstream is dedicated to mobile money APIs for seamless integrations, providing the industry with forefront research and guidance on technological best practices to support operators to move towards a ‘payments as a platform’ (PaaP) model – one of the core facets of the GSMA’s vision for the future of mobile money.

GSMA Mobile Money API

The GSMA Mobile Money API is an initiative developed through collaboration between the mobile money industry and the GSMA, aimed at helping the mobile money industry speak the same technical language by providing a modern harmonised API for mobile money transactions and management that is both easy to use and secure.

This common technical language, the API Specification, enables easy integration between mobile money providers and organisations who want to interface with these providers, by allowing any third party to implement a common solution which will work with all mobile money platforms which implement the API. The API is based on RESTful principles, a common easy to use set of principles used in modern APIs which provide benefits such as flexibility and scalability. The Specification also provides best practice security recommendations to ensure a high level of security.

The GSMA harmonised API initiative aims to increase adoption of the mobile money API through dedicated engagement with mobile money providers and support for ecosystem vendors. The GSMA also aims to maintain updated versions of the API Specification with new features and up to date functionality.

If you are interested in adopting the Mobile Money API or wish to know more about existing adopters, please contact us at

Use cases

The Mobile Money API supports the core set of mobile money use cases:

Interoperability between mobile money and banks, and between mobile money providers

Merchant payments, online and offline (including delegated authentication)

Bill payments (including instant payment notification)

Basic account management

International transfers (including quotations)

Bulk transactions

Cash in/out

Design Principles

The Mobile Money API uses best practices from the technology industry in API design and security.

Use of REST architectural principles

Providing a set of well-defined mobile money objects

A standard set of transaction types

Use of ISO international standards for enumerations such as currency and country codes

Support for supplementary metadata for bespoke properties

Best practice security guidelines

Compliance Verification Service

The GSMA Mobile Money API Compliance Verification Service is designed to support mobile money providers and third-party service providers who wish to comply with the harmonised industry specification on best practice in design and security. Here, you can find out more from our service brochure on how to become compliant, and benefits of doing so.

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