Kitovu / Support
Answers, before you ask.
The questions businesses ask before and after going live on Kitovu, answered in plain language.
Frequently asked
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Kitovu is built for businesses of different sizes. We guide you through the right setup for your business type when you start, and verification requirements follow from that.
Have your business details and a valid form of identification ready. Larger businesses may be asked for registration documents during verification.
You can begin in a few minutes. Verification time depends on the information provided, and the Getting started guide lists what to have ready.
Mobile money on MTN MoMo and Airtel Money, ACH bank transfer, and eKash on RSwitch today. Visa, Mastercard, and American Express are coming soon. Checkout presents them on one pay page.
Yes. USSD lets a customer pay a merchant, an invoice, a product, school fees, or a utility bill from a shortcode on any phone.
Yes. An invoice can be split into up to ten equal installments, and each payment stays against that invoice so both sides can see what is open.
Settlement shows what has cleared and what is still pending for each collection. Use it before planning payouts or reconciling the day.
Fund the payout wallet, then send payouts from the merchant portal. Each payout keeps a status from the instruction through completion.
Yes. Kitovu is designed around Rwandan businesses and payments in RWF, including mobile money and eKash on RSwitch.
Pricing depends on the payment products your business uses. Contact the Kitovu team for current rates for your mix of methods and channels.
The merchant portal supports two-factor authentication, and API credentials are created and rotated under Settings. The Security page explains the rest.
No. The Merchant Portal works without code. The APIs are there when your team wants them.
MTN MoMo, Airtel Money, bank transfer, eKash, and USSD today — with Visa, Mastercard, and Amex coming soon — depending on your setup and what your customers use.
Settlement timing depends on your product and channel. You'll see pending and settled amounts in the Merchant Portal.
Yes. KitovuPay is licensed by the National Bank of Rwanda as a payment service provider and for remittances.
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