Which Mobile Money networks does RedeemOS support?

RedeemOS supports Mobile Money payments via Paystack and Flutterwave, which accept MTN MoMo, Vodafone Cash, and AirtelTigo in Ghana; M-Pesa in Kenya and Tanzania; MTN and Airtel in Uganda, Rwanda, and Zambia; and Orange Money and Africell Money in West African markets including Liberia, Sierra Leone, and The Gambia. The specific networks available depend on the payment gateway configured for the school's country.

Does a parent need a smartphone to pay via Mobile Money?

No. Mobile Money payments are made via USSD codes, which work on any mobile phone — including basic feature phones with no internet connection. The parent dials a short code (e.g., *170# for MTN MoMo), follows the prompts, enters the school's number and the student reference, and confirms the payment. No app or internet is required.

How is the Mobile Money payment matched to the correct student?

Each student's fee invoice includes a unique payment reference number. When the parent enters this reference during the Mobile Money payment, the payment gateway passes the reference to RedeemOS, which automatically links the payment to the correct student account. Schools configure the reference format in the Finance settings.

What happens if a parent pays without using the student reference?

Payments without a reference arrive in the school's Mobile Money account but cannot be automatically matched to a student. The finance officer receives a notification of an unmatched payment and can manually assign it to the correct student account from the Finance dashboard after verifying the payment with the parent.

Can the school see a real-time list of all Mobile Money payments received today?

Yes. The Finance dashboard shows a live feed of all payments received, including Mobile Money payments, with the student name, amount, payment channel, and timestamp. The finance officer can also generate a daily payment report showing all transactions for a specific day, filtered by payment channel.

Payments

Mobile Money Integration for Schools

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Overview

Mobile Money is the dominant payment channel across sub-Saharan Africa, used by millions of parents to pay school fees without a bank account or credit card. RedeemOS integrates with the major Mobile Money networks — MTN MoMo, Vodafone Cash, AirtelTigo Money, M-Pesa, Airtel Money, and Orange Money — enabling schools across West, East, and Southern Africa to accept fee payments digitally without requiring a physical payment terminal. When a parent makes a Mobile Money payment to the school's configured Mobile Money number, the payment is automatically reconciled against the student's fee account in RedeemOS and a digital receipt is generated. Finance officers no longer need to manually cross-reference Mobile Money agent reports against individual student accounts — the reconciliation is instant and automatic.

How It Works

1
The school configures its Mobile Money account number(s) in the RedeemOS Finance settings — one per payment network if multiple networks are supported.
2
The Finance module generates a unique student payment reference linked to the student's account. This reference is included on the student's term fee invoice.
3
The parent dials the USSD Mobile Money code on their phone (e.g., *170# for MTN MoMo Ghana), selects Pay Bill or Merchant Payment, enters the school's Mobile Money number, and uses the student reference as the account number.
4
The Mobile Money payment notification is received by RedeemOS via the payment gateway API (typically Paystack, Flutterwave, or a direct Mobile Money API integration).
5
RedeemOS automatically matches the payment to the student account using the payment reference, updates the student's fee balance, marks the invoice as partially or fully paid, and sends a digital receipt to the parent via SMS.
6
The Finance dashboard updates in real time, and the finance officer can see all Mobile Money payments received for the day without any manual data entry.

Benefits

Reaches the majority of parents in Africa who use Mobile Money but do not have bank accounts or credit cards

Eliminates manual reconciliation of Mobile Money agent statements against student fee records

Provides instant digital receipts to parents without requiring the finance officer to issue paper receipts

Works over USSD — no smartphone or internet connection required from the parent

Supports multiple Mobile Money networks simultaneously for schools in markets with more than one dominant network

Real-time finance dashboard visibility means the school sees its fee collection status without waiting for end-of-day reports

Frequently Asked Questions

Related Features

School Fee Management Software

Parent Portal

School Communication Platform

Set up Mobile Money Integration for your school

Book a free demo and our team will walk you through configuring mobile money integration for your school's specific requirements.

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