Mobile Network Operator (MNO) Advisory

Merchants must ensure that transactions comply with local network rules, limits, and customer approval flows.

This page provides guidance on supported networks, payment modes, transaction limits, and operational considerations across markets supported by DPO Pay.

Payment modes

Mobile money transactions may be completed using one of the following methods:

Instructions
The customer completes the payment by following instructions displayed on the payment page.

STK Push (Push Prompt)
The customer receives a prompt on their mobile device requesting PIN entry to authorise the transaction.

Availability of payment modes depends on the specific MNO and country.

Supported networks and transaction limits

The table below summarises currently supported MNOs and indicative transaction parameters.

Actual limits may vary based on the customer’s mobile money account tier and operator policies.

Country	MNO	Min Amount	Max Amount	Typical Approval Time	Currency	Decimals Supported
Kenya	M-Pesa	1	250,000	5–15 seconds	KES	No
Kenya	Airtel	10	250,000	5–15 seconds	KES	No
Tanzania	Tigo	200	3,000,000	5–15 seconds	TZS	No
Tanzania	Airtel	200	3,000,000	5–15 seconds	TZS	No
Tanzania	Halotel	200	3,000,000	5–15 seconds	TZS	No
Tanzania	Zantel	200	3,000,000	5–15 seconds	TZS	No
Tanzania	TTCL	200	3,000,000	5–15 seconds	TZS	No
Tanzania	Vodacom	200	3,000,000	5–15 seconds	TZS	No
Zanzibar	Zntigo	200	3,000,000	5–15 seconds	TZS	No
Uganda	MTN	500	5,000,000	~5–15 seconds	UGX	No
Uganda	Airtel	500	5,000,000	~5–15 seconds	UGX	No
Rwanda	MTN	10	2,000,000	~5–15 seconds	RWF	No
Rwanda	Airtel	10	2,000,000	~5–15 seconds	RWF	No
Ghana	Vodafone	0.1	10,000	~5–15 seconds	GHS	Yes
Ghana	MTN	0.1	15,000	~5–15 seconds	GHS	Yes
Ivory Coast	MTN	100	2,000,000	5–15 seconds	XOF	No
Ivory Coast	Orange	100	2,000,000	5–15 seconds	XOF	No
Malawi	Airtel	50	350,000	5–15 seconds	MWK	Yes
Zambia	MTN	0.1	20,000	~5–15 seconds	ZMW	Yes
Zambia	Airtel	1	10,000	~5–15 seconds	ZMW	Yes
Zimbabwe	EcoCash	0.1	1,000,000	5–15 seconds	ZWL / USD	Yes

Derived from internal advisory data.

Approval times

Typical transaction approval occurs within 5–15 seconds after the customer confirms the payment on their device.

Approval times may vary depending on:

Network conditions
Customer account tier
Operator processing delays
Regulatory checks

Important limitations

Customer tier limits

Maximum transaction values may depend on the customer’s mobile money account tier with their operator.

Higher-value payments may require upgraded accounts or additional verification.

Decimal support

Some currencies do not support fractional amounts. Transactions must be submitted in whole units for those markets.

Country-specific rules

Certain operators impose additional constraints. For example:

Minimum transaction thresholds
Daily limits
Restrictions on business accounts
Service availability windows

Operator-specific notes

All supported MNOs provide Push Prompt + Instructions payment capabilities, where customers authorise transactions directly on their mobile device.

Some markets may impose additional requirements. For example, in Tanzania, push transactions must meet a minimum threshold.

MNO error codes (Mobile Payments)

The following error codes may be returned during mobile money transactions:

Code	Description
0130	New invoice
001	Authorised
801	Request missing company token
802	Company token does not exist
803	Invalid or missing request type
804	XML error
950	Missing mandatory transaction fields
951	Transaction token mismatch
952	Missing MNO (operator) information
953	Missing MNO country information
954	Missing phone number (MSISDN)
955	Invalid phone number
956	Terminal not found

Disclaimer

Transaction limits, availability, and processing behaviour are determined by the respective Mobile Network Operator and may change without prior notice.

Merchants should verify current requirements before enabling mobile money payments in a specific country.

Contact DPO Pay support for the latest information.