Let customers pay with their mobile balance.
Direct carrier billing charges purchases to a customer's mobile account. No card, no bank account, and no checkout form to abandon.
Your checkout
Pay NGN 500
Ruach DCB
Authorise and route
Operator billing
Charged to airtime
Cards leave a large part of your market behind
If customers cannot pay easily, they do not buy. Mobile balance is often the payment method they have.
Many customers have no card
Card and bank payments leave out the people who pay for almost everything with their phone balance.
Checkout forms lose buyers
Every field to fill in and every redirect is a chance for the customer to abandon the purchase.
Operator integrations are slow
Each operator has its own billing interface and approval process, which makes direct integration costly to build and run.
Carrier billing without the operator integration work
Ruach handles the operator side so you can add a mobile payment option through a single integration.
Pay from the mobile balance
Customers approve a charge on their phone and it is billed to their airtime or mobile account. No card or bank account required.
One integration
Connect once to Ruach instead of building and maintaining each operator billing interface yourself.
Built for digital services
Sell subscriptions, games, content and in-app purchases to customers who would otherwise not be able to pay.
Review and pay
Premium plan, 1 month
Billed to your mobile balance
NGN 500
No card or bank account needed
Let customers pay with the balance they already have
Add a mobile payment option next to your existing methods. The customer confirms on their own phone, so there is no card form to fill in and no redirect to a bank.
- No bank account or card required
- One-click payment experience
- Works alongside your other methods
- Clear confirmation for every purchase
Subscription renewals
NGN 500 per month
Bill recurring services on the same mobile balance
Offer weekly, monthly or custom plans and have each renewal billed to the customer's mobile account, with the status of every charge available to your system.
- One-off and recurring charges
- Renewal status for every subscriber
- Fits content, gaming and app subscriptions
- Pairs with Mobile VAS
Transactions
Live from the operator
See every transaction as it happens
Follow charges from request to confirmation and reconcile revenue against operator reports, so finance and product work from the same numbers.
- Real-time transaction status
- Operator-level reporting
- Reconciliation-ready records
- API and webhook access
DCB works best with the rest of the stack
Combine carrier billing with content, short codes and messaging.
Learn more
Plain-language guides that explain how this works.
Common questions about DCB
Direct carrier billing (DCB) lets customers pay for digital goods and services by charging their mobile account, such as airtime or a monthly bill, instead of using a card or bank account.
Infrastructure you can rely on
Powering communication for regulated, high-volume sectors
1B+
Minutes/messages routed annually
99.99%
Platform uptime SLA
30+ / 100+
Direct interconnects / countries covered
<2s
Median OTP delivery
Build on Africa’s telecom backbone
Launch messaging, voice, and USSD services nationwide with a single integration.
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