# Monerails > Monerails API: mobile money collections and payouts in Africa, and virtual Visa and Mastercard cards. Base URL https://api.monerails.com/v1, Bearer keys mr_test_ / mr_live_, amounts in minor units. ## Guides - [Monerails documentation](https://docs.monerails.com/): Collect and pay out with mobile money across Africa, and issue Visa and Mastercard cards, with one API. - [Quickstart](https://docs.monerails.com/quickstart/): Make your first API call, collect a test payment and receive its webhook. - [Coverage](https://docs.monerails.com/coverage/): Countries, currencies and mobile money operators, and which ones the API accepts today. - [Testing](https://docs.monerails.com/testing/): Test mode in depth: the sandboxes, the test helpers, the dashboard simulators and a full card scenario. - [Going live](https://docs.monerails.com/going-live/): Checklist before moving real money. - [Authentication](https://docs.monerails.com/authentication/): API keys, test and live mode, and the roles that decide what a key can do. - [Security](https://docs.monerails.com/security/): Protect your keys, your webhooks and your customers’ money. - [Test mode](https://docs.monerails.com/test-mode/): Build and test your integration without moving real money. - [Amounts and currencies](https://docs.monerails.com/amounts/): How Monerails represents money. - [Idempotency](https://docs.monerails.com/idempotency/): Retry safely: the same request never runs twice. - [Pagination](https://docs.monerails.com/pagination/): Walk through lists with a cursor. - [Errors](https://docs.monerails.com/errors/): The error format, the types and the codes. - [Rate limits](https://docs.monerails.com/rate-limits/): How many requests you can send, and what to do on a 429. - [Webhooks](https://docs.monerails.com/webhooks/): Receive events on your server and verify that they come from Monerails. - [Webhook events](https://docs.monerails.com/webhook-events/): One example payload per event family, with the exact object shapes. - [Collections](https://docs.monerails.com/guides/collections/): Get paid from mobile money wallets: approval on the phone, codes by SMS, statuses. - [Payment links](https://docs.monerails.com/guides/payment-links/): Get paid without writing code: a hosted payment page to share by message, email or QR code. - [Payouts](https://docs.monerails.com/guides/payouts/): Send money to mobile money wallets and bank accounts. - [Settlements](https://docs.monerails.com/guides/settlements/): Move your balance to your own account. - [Cards](https://docs.monerails.com/guides/cards/): Issue virtual Visa and Mastercard cards to your team, your customers or your AI agents. - [Client libraries](https://docs.monerails.com/client-libraries/): Generate a typed client for your language, or explore the API with Postman. - [Changelog](https://docs.monerails.com/changelog/): Changes to the Monerails API, newest first. ## API reference - [OpenAPI 3.1](https://docs.monerails.com/openapi.json) - [Balance](https://docs.monerails.com/api-reference/balance/): Your available balance per currency, and your cards balance in US dollars. Amounts are in minor units. - [Collections](https://docs.monerails.com/api-reference/collections/): A collection asks a customer to pay from their mobile money wallet. The customer approves on their phone, or enters a one-time code that you send with authorize . Follow the outcome with webhooks. - [Payouts](https://docs.monerails.com/api-reference/payouts/): A payout sends money from your balance to a mobile money wallet or a bank account. The amount plus the fee is reserved when you create it, and returned if the payout fails. - [Beneficiaries](https://docs.monerails.com/api-reference/beneficiaries/): Saved recipients for your payouts, shared with the dashboard (Payouts › Beneficiaries). Test and live beneficiaries are separate, by the mode of the key. A destination (number or account) can be saved once per mode, and a business can keep up to 500 beneficiaries per mode. To pay one, create a payout with beneficiary . - [Settlements](https://docs.monerails.com/api-reference/settlements/): A settlement moves money from your Monerails balance to your own bank or mobile money account, as saved for that currency by an Owner in the dashboard (Settings › Settlements). - [Transactions](https://docs.monerails.com/api-reference/transactions/): Every movement on your balances, from the ledger: collections credited, payouts and settlements debited, card funding, card payments, fees. Use them for reconciliation. - [Cardholders](https://docs.monerails.com/api-reference/cardholders/): A cardholder is the person a card is issued to: a member of your team or one of your customers. The card issuer verifies their identity before any card is issued. - [Cards](https://docs.monerails.com/api-reference/cards/): Virtual Visa and Mastercard cards in US dollars. A card is funded from your cards balance and can be frozen, emptied to the cards balance or terminated at any time. Amounts are in US cents. When the issuer’s answer to an action is not final, the API returns 202 and the result arrives by webhook. - [Webhook endpoints](https://docs.monerails.com/api-reference/webhook-endpoints/): The HTTPS URLs where Monerails sends events. Up to 10 per business, test and live together. See Webhooks to verify signatures. - [Events](https://docs.monerails.com/api-reference/events/): Everything that happens on your account, the same objects that webhooks deliver. Use the list to catch up after downtime. - [Reference data](https://docs.monerails.com/api-reference/reference-data/): The operators and banks you can use, from the payment partner, for the mode of your key. Answers are cached for up to 10 minutes. - [Test helpers](https://docs.monerails.com/api-reference/test-helpers/): Endpoints that simulate what the card issuer would do. They only work with a test key ( mr_test_… ) and return 400 test_mode_only otherwise. ## Optional - [Monerails website summary (products, countries, pricing)](https://monerails.com/llms.txt)