Get paid instantly.
Every business deserves that.

Melo Pay lets your customers pay you with MTN MoMo, Airtel Money, or IM Bank in seconds. Generate a QR code, share a link, automate invoices. You focus on your business.

No setup fee

Live in under 1 day

RRA-certified invoice

Trusted by businesses across Rwanda

2,400+vendors

840M+ RWFmonthly volume

98.7%success rate

< 8savg payment

A payment in 30 seconds. Really.

From request to confirmation, the entire flow takes less time than brewing coffee.

You create a request

Add your items. Set the amount. Melo Pay generates a QR code and link instantly.

Customer scans or clicks

They open the payment page on their phone. Choose MTN MoMo, Airtel, or bank.

Money lands instantly

Your account is credited. An RRA-certified invoice generates automatically.

Average payment time: 8 seconds

Built for every kind of your business

From street vendors to software companies, Melo Pay works for any business that needs to get paid.

Restaurants & cafes

QR code on tables. Customers pay when ready. Invoices auto-generate — no manual work.

Every tool your business needs

From scheduled payments to customer management, everything you need to run your business smoothly.

Automated reminders

Never chase a payment again

Set up recurring billing for subscriptions, rent, or tuition. Customers get reminders automatically. You get paid on time.

Product QR codes

Generate unique QR codes for each product. Customers scan, pay, and go. Perfect for retail.

Qty:3

Multi-channel payments

Accept MTN MoMo, Airtel Money, and bank transfers — all in one place.

RRA invoicing

Every payment generates an RRA-certified invoice automatically. No manual work.

Customer management

Track customer payment history, send targeted reminders, and build relationships.

Simple pricing. No surprises.

Pay only when you get paid. Transparent commission rates with no hidden fees.

MTN Mobile Money

1.5%

Minimum:150 RWF

Cap:50,000 RWF

Airtel Money

1.5%

Minimum:150 RWF

Cap:50,000 RWF

Lowest rate

I&M Bank

Minimum:100 RWF

Cap:75,000 RWF

Basic — 25,000 RWF/mo

Business — 50,000 RWF/mo

Enterprise — Custom pricing

Businesses that moved first

Before Melo Pay, I was going table to table with a notebook. Now customers scan, pay, and get their RRA invoice notification before they put their phone down. My waiters focus on service.

Jean Claude H.

Restaurant owner, Kimironko

I send a payment link after every cleaning job. The customer pays from their phone. The RRA invoice arrives in their email. I haven't chased a payment in 4 months.

Aline M.

Cleaning services, Kigali

We needed MoMo and bank transfer in our hotel system. The Melo Pay API was documented properly — I had a working integration in 2 days. That never happens in Rwanda.

Emmanuel N.

Hotel manager, Musanze

For developers

Build payments into your product

A clean REST API, real-time webhooks, and a sandbox environment. Everything you need to integrate payments in minutes, not weeks.

REST API

Webhooks

Sandbox

SDKs (coming)

Read the API docs →

// Initiate a payment
POST /v1/payments/initiate
 
{
  "amount": 50000,
  "currency": "RWF",
  "channel": "MTN_MOMO",
  "customer_phone": "+250788123456",
  "description": "Lunch — Table 4",
  "reference": "order_482",
  "notify_url": "https://yourdomain.com/webhooks/payment"
}
 
// Response
{
  "id": "pay_8f3d9a2b",
  "status": "PENDING",
  "payment_url": "https://pay.melobusiness.rw/pay/lnk_abc123",
  "expires_at": "2026-04-14T18:00:00Z"
}

Join 2,400+ businesses

Get paid faster, starting today.

No setup fee. Live in under a day. Cancel any time.

Questions?support@melobusiness.rw·+250 780 067 233

Get paid instantly. Every business deserves that.