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Overview

Monei’s bill payment service allows you to pay utility bills, airtime, data, cable TV, electricity, and more directly from your wallet. Pay bills across multiple countries with ease. What you’ll learn:
  • Supported bill categories
  • Available billers
  • Payment process
  • Countries supported
  • Fees and limits

What is Bill Payment?

Pay for essential services directly through Monei:

Airtime & Data

Top up mobile airtime and data bundles

Cable TV

Pay for DStv, GOtv, StarTimes subscriptions

Electricity

Purchase prepaid and postpaid electricity

How It Works

1

Discover Billers

Browse available billers by category
2

Select Service

Choose the specific service (e.g., MTN Airtime)
3

Validate Customer

Verify customer details and get service info
4

Make Payment

Pay the bill amount from your wallet
5

Get Confirmation

Receive payment confirmation and receipt

Bill Categories

Mobile Airtime Top-upSupported Networks:
  • MTN
  • Airtel
  • Glo
  • 9mobile
Amount Range: ₦50 - ₦50,000Use Case: Top up your phone or gift airtime

Supported Countries

CountryCodeSupported Categories
NigeriaNGAll categories
Nigeria has the most comprehensive biller support. More countries coming soon.

Payment Process

Quick Example

import MoneiSDK from 'monei-sdk';

const monei = new MoneiSDK({
  apiKey: process.env.MONEI_API_KEY,
});

// 1. Get billers for airtime
const billers = await monei.billsDiscovery.getBillers({
  category: 'airtime'
});

console.log('Available Airtime Billers:');
billers.forEach(b => console.log(`- ${b.name}`));

// 2. Select MTN
const mtn = billers.find(b => b.name.includes('MTN'));

// 3. Validate customer
const validation = await monei.billsValidation.validate({
  billerId: mtn.billerId,
  customerId: '08012345678',
  type: mtn.type
});

console.log('Customer:', validation.customerName);

// 4. Make payment
const payment = await monei.billsPay.buyAirtime({
  billerId: mtn.billerId,
  customerId: '08012345678',
  amount: 1000,
  type: mtn.type
});

console.log('Payment Successful!');
console.log('Reference:', payment.reference);
console.log('Status:', payment.status);

Limits

Transaction Limits

KYC TierSingle PaymentDaily LimitMonthly Limit
Tier 1₦50,000₦200,000₦2,000,000
Tier 2₦200,000₦500,000₦5,000,000
Tier 3₦1,000,000₦2,000,000₦20,000,000

Category-Specific Limits

CategoryMinimumMaximum
Airtime₦50₦50,000
DataVaries by bundle₦50,000
Cable TVVaries by package₦100,000
Electricity₦1,000₦500,000
Increase your limits by upgrading your KYC tier. Learn more →

Processing Time

Bill payments are processed instantly:
CategoryProcessing Time
AirtimeInstant (< 10 seconds)
DataInstant (< 30 seconds)
Cable TV1 - 5 minutes
Electricity1 - 10 minutes
During peak hours or system maintenance, processing may take longer.

Payment Status

Understanding payment states:
StatusDescriptionAction
pendingPayment initiatedWait for processing
processingBeing processedWait for completion
successfulPayment completedService delivered
failedPayment failedRefund initiated
reversedPayment reversedAmount refunded

Common Use Cases

Daily Essentials
  • Top up your phone
  • Buy data bundles
  • Pay electricity bills
  • Renew cable TV
Frequency: Daily/Weekly Average Amount: ₦500 - ₦10,000

Benefits

Instant Processing

Most payments complete within seconds

No Hidden Fees

Transparent pricing with low fees

Wide Coverage

Support for all major billers

24/7 Availability

Pay bills anytime, anywhere

Auto-Validation

Verify customer details before payment

Payment History

Track all bill payments

Best Practices

Always validate customer details before making payment. This ensures you’re paying for the correct account and can see customer information.
Keep transaction references for all payments. You’ll need these for support inquiries or disputes.
Ensure sufficient wallet balance before initiating payment. Include amount + fees.
Double-check biller, customer ID, and amount before confirming payment.
Some services take a few minutes to process. Wait before retrying to avoid duplicate payments.
Review payment history to track spending and avoid duplicate payments.

Security

Encrypted Transactions

All payments are encrypted end-to-end

Customer Validation

Verify recipient before payment

Transaction PIN

Secure payments with PIN (if enabled)

Auto-Refunds

Failed payments automatically refunded

Next Steps

Discovery

Browse available billers

Validation

Validate customer details

Payments

Make bill payments

History

View payment history