Mobile Money

Collect payments from customers using mobile money. The customer receives a USSD push notification to authorize the payment.

Supported Networks

Airtel Money (TZ)
M-Pesa / Vodacom (TZ)
Tigo Pesa (TZ)
Halotel (TZ)

Create Payment

POST /v1/payments
Authorization: Bearer <api_key>
Content-Type: application/json
Idempotency-Key: unique-request-id-123

Request

{
  "payment_type": "mobile",
  "details": {
    "amount": 50000,
    "currency": "TZS",
    "redirect_url": "https://yoursite.com/payment/success",
    "cancel_url": "https://yoursite.com/payment/cancel"
  },
  "phone_number": "+255712345678",
  "customer": {
    "firstname": "John",
    "lastname": "Doe",
    "email": "john@example.com"
  },
  "webhook_url": "https://yoursite.com/webhooks/snippe",
  "metadata": {
    "order_id": "ORD-12345",
    "product": "Premium Plan"
  }
}

Response

{
  "status": 201,
  "data": {
    "object": "payment",
    "api_version": "2026-01-25",
    "reference": "pi_a1b2c3d4e5f6",
    "status": "pending",
    "amount": {
      "value": 50000,
      "currency": "TZS"
    },
    "settlement": {
      "gross": { "value": 50000, "currency": "TZS" },
      "fees": { "value": 1000, "currency": "TZS" },
      "net": { "value": 49000, "currency": "TZS" }
    },
    "channel": {
      "type": "mobile",
      "provider": null
    },
    "customer": {
      "phone": "+255712345678",
      "name": "John Doe",
      "email": "john@example.com"
    },
    "metadata": {
      "order_id": "ORD-12345",
      "product": "Premium Plan"
    },
    "expires_at": "2026-01-24T11:00:00Z",
    "created_at": "2026-01-24T10:00:00Z"
  }
}

Request Parameters

Required Fields

Field	Type	Description
`payment_type`	string	Must be `mobile`
`details.amount`	integer	Amount in smallest currency unit
`details.currency`	string	Currency code (`TZS`)
`phone_number`	string	Customer phone number

Optional Fields

Field	Type	Description
`customer`	object	Customer information
`details.redirect_url`	string	URL to redirect after success
`details.cancel_url`	string	URL to redirect on cancel
`webhook_url`	string	URL for webhook notifications
`metadata`	object	Custom key-value data (max 50 keys)

How It Works

You create a payment intent with the customer's phone number
Customer receives a USSD push on their phone
Customer enters their PIN to authorize
Snippe sends a webhook notification with the result
You can also poll the payment status endpoint

Mobile Money

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