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Cross-Border Payment API for Developers

Money should be free and programmable. Build the next billion dollar product without thinking about payments.

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Here are a few companies we're proud to partner with as we build the future

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What you can build with HoneyCoin

Whether you’re building a remittance platform, fintech app, or digital bank, HoneyCoin provides the foundational APIs for cross-border money movement at scale.

On-ramps/Off-ramps

Convert between local fiat (mobile money, bank, card) and stablecoins (USDT, USDC) instantly. Supports UGX, KES, NGN, GHS, ZAR & more, with support for over 22 markets, all via API endpoints built for speed, transparency, and compliance.

USE CASES

Instant Deposits
Crypto-Fiat Gateways
Stablecoin Conversions

Payouts

Pay out to bank or mobile money in 20+ markets through one API. Track every payout with webhooks and settlement status.

USE CASES

Payroll
Supplier payments
Bulk disbursements

Collections

Collect money locally via mobile money, bank transfer, and card (where available). Instant confirmations + webhooks for clean reconciliation.

USE CASES

Customer deposits
Checkout payments
Recurring collections

API Overview

HoneyCoin provides RESTful APIs for programmatically managing all major financial flows.

[Explore API Docs

Collections

Payout

Minting

Mobile money charge \
Initiate a mobile money collection.](https://docs.honeycoin.app/reference/charge-mobile-money)



Universal Payment SDK \
A payment gateway to collect in all supported countries and methods bank transfer.](https://docs.honeycoin.app/reference/payment-sdk)



Bank Transfer Collection \
Initiate a bank collection.](https://docs.honeycoin.app/reference/bank-transfer)



Refund Deposit \
Making a refund for all kinds of collections.](https://docs.honeycoin.app/reference/refund-deposit)

Payout \
Initiate a payout to any country, currency or method in our coverage.](https://docs.honeycoin.app/reference/payouts)



Banks \
Get a list of all country supported banks and codes.](https://docs.honeycoin.app/reference/get-banks)



Mobile Money Providers \
Get all support mobile money networks in every supported country.](https://docs.honeycoin.app/reference/get-mobile-money-providers)



FX Rates \
Get live and historical rates on all currency pairs.](https://docs.honeycoin.app/reference/fx-rates-get-conversion)

Offramp \
Move from stables to fiat.](https://docs.honeycoin.app/reference/crypto-off-ramp)



Onramp \
Move from stables to fiat.](https://docs.honeycoin.app/reference/onramp)

Onramp SDK \
A payment gateway for onramps in all supported currencies and methods.](https://docs.honeycoin.app/reference/on-ramp-sdk)

BUILT FOR SPEED

Make your first call in minutes

Make your first call in minutes and scale without slowing down. Low latency, predictable behavior, and clean documentation included.

Example API request: curl -X POST https://api.honeycoin.app/v1/payments -d ' {"amount":1000,"currency":"USD"}'

Get Your API Keys

Sign up and request sandbox keys for testing.

Authenticate

Use your Bearer token in the Authorization header.

Make Your First API Call

Run your first onramp transaction. Convert fiat to stablecoins and vice versa.

Explore more ways to build with HoneyCoin

Wallets & Payments

Collect and pay through local banks and mobile money. Hold fiat or stablecoins, swap anytime, and settle fast with clear fees.

Minting

On-ramp to USDT/USDC and off-ramp back to local money. Works in 20+ markets and delivers to your wallet on major chains.

Virtual Accounts

Open named local accounts in multiple currencies. Collect and send like a local, with unlimited sub-accounts.

Frequently Asked Questions (FAQs)

Revolutionize the way you manage digital assets with Honeycoin's cutting-edge B2B platform.

Is there a sandbox environment?

Yes. Full sandbox with mocked rails, realistic errors, and test webhooks.

Can I do “real world” testing before going live?

Yes. On request, we can issue test account numbers per market for controlled end-to-end checks.

What integration support do you provide?

We open a dedicated integration comms channel (e.g., Slack/WhatsApp) to handle questions, edge cases, and fast fixes during build.

Related solutions for African payments

HoneyCoin powers collections, payouts, FX, and stablecoin rails across 21 markets.

Stablecoin payments in Africa

Move USDC and USDT across 18 African markets via mobile money, bank transfer, and virtual accounts.

Payment processing in Africa

Mobile money, bank, card, and stablecoin rails in a single API across 21 markets.

USDC payment API for Africa

Developer-first USDC collections, payouts, and local-rail settlement across 18 countries.

Fiat to stablecoin infrastructure Africa

The compliant on and off-ramp layer between local currency and on-chain dollars.

Ready to move across borders?

Reach out to our team today and start executing high-volume trades securely and efficiently.