> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useaxra.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Local payment methods

> Collect bank transfers, mobile money, and instant EFT — settled in USDC.

Local payment methods let customers pay in their local currency through bank transfer, mobile money, or instant EFT. Axra mints deposit instructions, tracks the collection, and credits your merchant wallet in USDC when funds settle.

## Supported countries & rails

| Country                                                  | Currency           | Rails available            | Status      |
| -------------------------------------------------------- | ------------------ | -------------------------- | ----------- |
| Nigeria                                                  | NGN                | Bank transfer (instant)    | Live        |
| South Africa                                             | ZAR                | Instant EFT                | Live        |
| Kenya                                                    | KES                | Mobile money (M-PESA)      | Live        |
| Tanzania                                                 | TZS                | Mobile money, bank         | Live        |
| Uganda                                                   | UGX                | Mobile money               | Live        |
| Rwanda                                                   | RWF                | Mobile money (MTN)         | Live        |
| Malawi                                                   | MWK                | Mobile money               | Live        |
| Zambia                                                   | ZMW                | Mobile money, bank         | Live        |
| Botswana                                                 | BWP                | Mobile money, bank         | Live        |
| Cameroon                                                 | XAF                | Mobile money (MTN, Orange) | Live        |
| Ghana, additional CFA franc (XOF) markets, DRC, Ethiopia | GHS, XOF, CDF, ETB | —                          | Coming soon |

## How it works

<Steps>
  <Step title="Create a collection">
    Call `POST /business/collections` from your server, or start a hosted checkout session and let the customer pick a local rail on pay.useaxra.com.
  </Step>

  <Step title="Customer pays">
    Show bank details, trigger a mobile-money prompt, or redirect the customer to an instant-EFT hosted page, depending on the rail.
  </Step>

  <Step title="Settle in USDC">
    Axra detects the inbound payment, runs settlement, and credits your USDC wallet. Confirm completion with `collection.completed` (or `payment_link.session.completed` for hosted checkout).
  </Step>
</Steps>

## Integration paths

<CardGroup>
  <Card title="Hosted Checkout" href="/payments/local-rails-checkout">
    Redirect customers to pay.useaxra.com — we handle the UI.
  </Card>

  <Card title="Direct API (server-to-server)" href="/payments/local-rails-api">
    Mint deposit instructions from your backend, render them in your own UI.
  </Card>
</CardGroup>

## Settlement model

Every successful collection settles into your USDC wallet through the same canonical payment chain used for cards and crypto. Axra charges a 1% platform fee on local rails, plus the provider fee for the selected channel.

## Webhooks

Subscribe to `collection.*` events to drive fulfillment without polling. See [Webhooks](/manage/webhooks) for signature verification, retries, and sample payloads for `collection.created`, `collection.processing`, `collection.completed`, `collection.failed`, and `collection.expired`.