Cellulant website screenshot

Cellulant

Cellulant is a pan-African payments platform headquartered in Nairobi, Kenya, operating across 35 African countries. Its flagship product Tingg is a single API that lets businesses collect online and offline payments, disburse to mobile money wallets and bank accounts, vend airtime and data, pay bills, and engage customers by SMS — interoperably across 350+ banks, mobile network operators, and card networks. Cellulant processes more than 4.5 million transactions per day for over 2,000 enterprise merchants and powers payments for ~220 million consumers. The Tingg platform exposes three primary developer-facing surfaces: Tingg Checkout 3.0 (Express, Custom and Direct Card), Tingg Payouts (the Beep global JSON endpoint), and Tingg Engage (transactional SMS). Cellulant ships official SDKs for PHP, Python, Node.js, .NET, JavaScript, plus a WooCommerce plugin.

Cellulant publishes 6 APIs on the APIs.io network, including Acknowledgement API, Authentication API, Custom Checkout API, and 3 more. Tagged areas include Payments, Mobile Money, Checkout, Payouts, and Disbursement.

The Cellulant catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Cellulant’s developer surface includes authentication, developer portal, documentation, getting-started guide, sandbox, signup flow, pricing, and 50 more developer resources.

57.1/100 strong ▼ -5.9 Agent 37/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessPaidSelf serve
6 APIs
PaymentsMobile MoneyCheckoutPayoutsDisbursementAfricaPan-AfricanFintechBank TransferCardsAirtimeBill PaymentSMSOTPTingg

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 57.1/100 · strong
Contract Quality 19.4 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 4.8 / 13
Governance 8.3 / 12
Discoverability 6.5 / 10
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/cellulant: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Cellulant Acknowledgement API

Acknowledge successful or partial payments back to the platform.

Cellulant Authentication API

OAuth 2.0 access token issuance for Tingg API calls.

Cellulant Custom Checkout API

Host-to-host checkout flow for merchant-controlled UX.

Cellulant Engagement API

Outbound SMS notifications and OTPs.

Cellulant Express Checkout API

Create hosted checkout sessions returning short and long URLs.

Cellulant Payments API

Post payouts, queries, validations, balances, and refunds.

Postman Collections 3

Ready-to-run Postman collections for exercising this provider's APIs.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Arazzo Workflows 10

Multi-step API workflows described with the Arazzo specification.

Cellulant Charge with OTP Notification

Initiate a custom checkout, send the customer an OTP by SMS, then push the charge request.

ARAZZO

Cellulant Check Balance and Payout

Read the float balance, then disburse a payout only when the platform authenticated the balance query.

ARAZZO

Cellulant Checkout, Poll, and Acknowledge

Raise an Express Checkout, poll status until paid, then acknowledge delivery back to the platform.

ARAZZO

Cellulant Checkout with SMS Notification

Create an Express Checkout, then text the customer the short payment URL over Tingg Engage.

ARAZZO

Cellulant Custom Checkout, Charge, and Poll

Host-to-host flow — authenticate, initiate a custom checkout, push the charge prompt, then poll until the payment resolves.

ARAZZO

Cellulant Express Checkout and Poll Status

Authenticate, raise a Tingg Express Checkout, then poll the request status until the payment settles.

ARAZZO

Cellulant Get Bill and Pay

Fetch the outstanding bill for an account, then settle it with a Beep payout.

ARAZZO

Cellulant Payout, Query, and Refund

Disburse a payout, query its outcome, and reverse it with a refund when the payout did not succeed.

ARAZZO

Cellulant Post Payout and Query Status

Disburse a payout, then poll the Beep platform with queryPayment until the payout reaches a terminal state.

ARAZZO

Cellulant Validate and Post Payout

Validate the destination account, then post a mobile money or bank payout through the Beep platform.

ARAZZO

Scroll for all 10

Rate Limits 1

Documented rate limits and quota policies.

Cellulant Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Cellulant Context

0 classes · 4 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Cellulant API Rules

5 rules · 3 warnings 2 info

SPECTRAL

Cellulant API Rules

6 rules · 1 errors 4 warnings

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Tingg Express Checkout Request

17 properties

JSON SCHEMA

Tingg Payout Packet

14 properties

JSON SCHEMA

Examples 3

Example request and response payloads for these APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cellulant Authentication

apiKey/http · 3 schemes

SECURITY

Cellulant Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Cellulant Agentic Access

8 operations · 7 acting

8 operations · 7 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 12

Pagination, idempotency, versioning, errors, and events

Scroll for all 12

Build 14

SDKs, sample code, and the tooling you integrate with

Scroll for all 14

Access & Security 2

Authentication, authorization, and security posture

Learn 1

Tutorials, courses, talks, and written guidance

Operate 2

Status, limits, changes, and where to get help

Commercial 5

Pricing, plans, and the legal terms of use

Company 7

The organization behind the API

Scroll for all 7

Other 6

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: cellulant
name: Cellulant
description: 'Cellulant is a pan-African payments platform headquartered in Nairobi, Kenya, operating across 35 African countries.
  Its flagship product Tingg is a single API that lets businesses collect online and offline payments, disburse to mobile
  money wallets and bank accounts, vend airtime and data, pay bills, and engage customers by SMS — interoperably across 350+
  banks, mobile network operators, and card networks. Cellulant processes more than 4.5 million transactions per day for over
  2,000 enterprise merchants and powers payments for ~220 million consumers. The Tingg platform exposes three primary developer-facing
  surfaces: Tingg Checkout 3.0 (Express, Custom and Direct Card), Tingg Payouts (the Beep global JSON endpoint), and Tingg
  Engage (transactional SMS). Cellulant ships official SDKs for PHP, Python, Node.js, .NET, JavaScript, plus a WooCommerce
  plugin.'
type: Index
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - finops
  - authentication
  generated: '2026-07-22'
  method: derived
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cellulant.png
tags:
- Payments
- Mobile Money
- Checkout
- Payouts
- Disbursement
- Africa
- Pan-African
- Fintech
- Bank Transfer
- Cards
- Airtime
- Bill Payment
- SMS
- OTP
- Tingg
url: https://raw.githubusercontent.com/api-evangelist/cellulant/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.20'
apis:
- aid: cellulant:cellulant-acknowledgement-api
  name: Cellulant Acknowledgement API
  description: Acknowledge successful or partial payments back to the platform.
  humanURL: https://docs.tingg.africa/docs/introduction
  tags:
  - Acknowledgement
  properties:
  - type: OpenAPI
    url: openapi/cellulant-acknowledgement-api-openapi.yml
  - type: Documentation
    url: https://docs.tingg.africa/docs/introduction
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-express-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-custom-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-direct-card
  - type: Documentation
    url: https://docs.tingg.africa/reference/acknowledge-payments
  - type: Webhooks
    url: https://docs.tingg.africa/reference/4-implement-webhook-via-callback-url-1
  - type: JSONSchema
    url: json-schema/cellulant-checkout-request-schema.json
  - type: JSONLD
    url: json-ld/cellulant-context.jsonld
  - type: Examples
    url: examples/cellulant-create-express-checkout-example.json
  - type: Documentation
    url: https://docs.tingg.africa/docs/payouts-get-started
  - type: Documentation
    url: https://docs.tingg.africa/reference/postpayment
  - type: JSONSchema
    url: json-schema/cellulant-payout-packet-schema.json
  - type: Examples
    url: examples/cellulant-post-payment-example.json
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-service-api-v2
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-apis
  - type: Examples
    url: examples/cellulant-send-engagement-example.json
- aid: cellulant:cellulant-authentication-api
  name: Cellulant Authentication API
  description: OAuth 2.0 access token issuance for Tingg API calls.
  humanURL: https://docs.tingg.africa/docs/introduction
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/cellulant-authentication-api-openapi.yml
  - type: Documentation
    url: https://docs.tingg.africa/docs/introduction
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-express-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-custom-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-direct-card
  - type: Documentation
    url: https://docs.tingg.africa/reference/acknowledge-payments
  - type: Webhooks
    url: https://docs.tingg.africa/reference/4-implement-webhook-via-callback-url-1
  - type: JSONSchema
    url: json-schema/cellulant-checkout-request-schema.json
  - type: JSONLD
    url: json-ld/cellulant-context.jsonld
  - type: Examples
    url: examples/cellulant-create-express-checkout-example.json
  - type: Documentation
    url: https://docs.tingg.africa/docs/payouts-get-started
  - type: Documentation
    url: https://docs.tingg.africa/reference/postpayment
  - type: JSONSchema
    url: json-schema/cellulant-payout-packet-schema.json
  - type: Examples
    url: examples/cellulant-post-payment-example.json
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-service-api-v2
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-apis
  - type: Examples
    url: examples/cellulant-send-engagement-example.json
- aid: cellulant:cellulant-custom-checkout-api
  name: Cellulant Custom Checkout API
  description: Host-to-host checkout flow for merchant-controlled UX.
  humanURL: https://docs.tingg.africa/docs/introduction
  tags:
  - Custom Checkout
  properties:
  - type: OpenAPI
    url: openapi/cellulant-custom-checkout-api-openapi.yml
  - type: Documentation
    url: https://docs.tingg.africa/docs/introduction
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-express-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-custom-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-direct-card
  - type: Documentation
    url: https://docs.tingg.africa/reference/acknowledge-payments
  - type: Webhooks
    url: https://docs.tingg.africa/reference/4-implement-webhook-via-callback-url-1
  - type: JSONSchema
    url: json-schema/cellulant-checkout-request-schema.json
  - type: JSONLD
    url: json-ld/cellulant-context.jsonld
  - type: Examples
    url: examples/cellulant-create-express-checkout-example.json
  - type: Documentation
    url: https://docs.tingg.africa/docs/payouts-get-started
  - type: Documentation
    url: https://docs.tingg.africa/reference/postpayment
  - type: JSONSchema
    url: json-schema/cellulant-payout-packet-schema.json
  - type: Examples
    url: examples/cellulant-post-payment-example.json
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-service-api-v2
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-apis
  - type: Examples
    url: examples/cellulant-send-engagement-example.json
- aid: cellulant:cellulant-engagement-api
  name: Cellulant Engagement API
  description: Outbound SMS notifications and OTPs.
  humanURL: https://docs.tingg.africa/docs/introduction
  tags:
  - Engagement
  properties:
  - type: OpenAPI
    url: openapi/cellulant-engagement-api-openapi.yml
  - type: Documentation
    url: https://docs.tingg.africa/docs/introduction
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-express-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-custom-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-direct-card
  - type: Documentation
    url: https://docs.tingg.africa/reference/acknowledge-payments
  - type: Webhooks
    url: https://docs.tingg.africa/reference/4-implement-webhook-via-callback-url-1
  - type: JSONSchema
    url: json-schema/cellulant-checkout-request-schema.json
  - type: JSONLD
    url: json-ld/cellulant-context.jsonld
  - type: Examples
    url: examples/cellulant-create-express-checkout-example.json
  - type: Documentation
    url: https://docs.tingg.africa/docs/payouts-get-started
  - type: Documentation
    url: https://docs.tingg.africa/reference/postpayment
  - type: JSONSchema
    url: json-schema/cellulant-payout-packet-schema.json
  - type: Examples
    url: examples/cellulant-post-payment-example.json
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-service-api-v2
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-apis
  - type: Examples
    url: examples/cellulant-send-engagement-example.json
- aid: cellulant:cellulant-express-checkout-api
  name: Cellulant Express Checkout API
  description: Create hosted checkout sessions returning short and long URLs.
  humanURL: https://docs.tingg.africa/docs/introduction
  tags:
  - Express Checkout
  properties:
  - type: OpenAPI
    url: openapi/cellulant-express-checkout-api-openapi.yml
  - type: Documentation
    url: https://docs.tingg.africa/docs/introduction
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-express-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-custom-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-direct-card
  - type: Documentation
    url: https://docs.tingg.africa/reference/acknowledge-payments
  - type: Webhooks
    url: https://docs.tingg.africa/reference/4-implement-webhook-via-callback-url-1
  - type: JSONSchema
    url: json-schema/cellulant-checkout-request-schema.json
  - type: JSONLD
    url: json-ld/cellulant-context.jsonld
  - type: Examples
    url: examples/cellulant-create-express-checkout-example.json
  - type: Documentation
    url: https://docs.tingg.africa/docs/payouts-get-started
  - type: Documentation
    url: https://docs.tingg.africa/reference/postpayment
  - type: JSONSchema
    url: json-schema/cellulant-payout-packet-schema.json
  - type: Examples
    url: examples/cellulant-post-payment-example.json
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-service-api-v2
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-apis
  - type: Examples
    url: examples/cellulant-send-engagement-example.json
- aid: cellulant:cellulant-payments-api
  name: Cellulant Payments API
  description: Post payouts, queries, validations, balances, and refunds.
  humanURL: https://docs.tingg.africa/docs/introduction
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/cellulant-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.tingg.africa/docs/introduction
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-express-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-custom-checkout
  - type: Documentation
    url: https://docs.tingg.africa/docs/checkout-v3-direct-card
  - type: Documentation
    url: https://docs.tingg.africa/reference/acknowledge-payments
  - type: Webhooks
    url: https://docs.tingg.africa/reference/4-implement-webhook-via-callback-url-1
  - type: JSONSchema
    url: json-schema/cellulant-checkout-request-schema.json
  - type: JSONLD
    url: json-ld/cellulant-context.jsonld
  - type: Examples
    url: examples/cellulant-create-express-checkout-example.json
  - type: Documentation
    url: https://docs.tingg.africa/docs/payouts-get-started
  - type: Documentation
    url: https://docs.tingg.africa/reference/postpayment
  - type: JSONSchema
    url: json-schema/cellulant-payout-packet-schema.json
  - type: Examples
    url: examples/cellulant-post-payment-example.json
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-service-api-v2
  - type: Documentation
    url: https://docs.tingg.africa/reference/engagement-apis
  - type: Examples
    url: examples/cellulant-send-engagement-example.json
common:
- type: AgenticAccess
  url: agentic-access/cellulant-agentic-access.yml
- type: DomainSecurity
  url: security/cellulant-domain-security.yml
- type: Authentication
  url: authentication/cellulant-authentication.yml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/cellulant/overview
- type: Arazzo
  url: arazzo/cellulant-charge-with-otp-notification-workflow.yml
  name: Cellulant Charge with OTP Notification
- type: Arazzo
  url: arazzo/cellulant-check-balance-and-payout-workflow.yml
  name: Cellulant Check Balance and Payout
- type: Arazzo
  url: arazzo/cellulant-checkout-poll-and-acknowledge-workflow.yml
  name: Cellulant Checkout, Poll, and Acknowledge
- type: Arazzo
  url: arazzo/cellulant-checkout-with-sms-notification-workflow.yml
  name: Cellulant Checkout with SMS Notification
- type: Arazzo
  url: arazzo/cellulant-custom-checkout-charge-and-poll-workflow.yml
  name: Cellulant Custom Checkout, Charge, and Poll
- type: Arazzo
  url: arazzo/cellulant-express-checkout-and-poll-status-workflow.yml
  name: Cellulant Express Checkout and Poll Status
- type: Arazzo
  url: arazzo/cellulant-get-bill-and-pay-workflow.yml
  name: Cellulant Get Bill and Pay
- type: Arazzo
  url: arazzo/cellulant-payout-query-and-refund-workflow.yml
  name: Cellulant Payout, Query, and Refund
- type: Arazzo
  url: arazzo/cellulant-post-payout-and-query-status-workflow.yml
  name: Cellulant Post Payout and Query Status
- type: Arazzo
  url: arazzo/cellulant-validate-and-post-payout-workflow.yml
  name: Cellulant Validate and Post Payout
- type: Website
  url: https://www.cellulant.io
- type: Product
  url: https://tingg.africa
- type: Portal
  url: https://developer.tingg.africa
- type: Documentation
  url: https://docs.tingg.africa
- type: Documentation
  url: https://docs.tingg.africa/docs/introduction
- type: Documentation
  url: https://docs.tingg.africa/reference
- type: GettingStarted
  url: https://docs.tingg.africa/docs/checkout-v3-getting-started
- type: Sandbox
  url: https://app.sandbox.tingg.africa
- type: Signup
  url: https://app.sandbox.tingg.africa
- type: Pricing
  url: https://tingg.africa/pricing/
- type: Checkout
  url: https://tingg.africa/checkout/
- type: Payouts
  url: https://tingg.africa/payouts/
- type: PaymentGateway
  url: https://tingg.africa/payment-gateway/
- type: PaymentPages
  url: https://tingg.africa/payment-pages/
- type: PaymentInfrastructure
  url: https://www.cellulant.io/business-offerings/payment-infrastructure/
- type: Blog
  url: https://www.cellulant.io/category/blog/
- type: Blog
  url: https://tingg.africa/blog/
- type: Press
  url: https://www.cellulant.io/category/press-release/
- type: GitHubOrganization
  url: https://github.com/CellulantCorp
- type: SDKs
  name: PHP SDK
  url: https://packagist.org/packages/tingg/checkout
- type: SDKs
  name: Python SDK
  url: https://pypi.org/project/Tingg/
- type: SDKs
  name: Node.js SDK
  url: https://www.npmjs.com/package/@tingg-sdk/checkout
- type: SDKs
  name: .NET SDK
  url: https://www.nuget.org/packages/Tingg.Checkout.Net
- type: SDKs
  name: JavaScript Checkout Library
  url: https://cdn.cellulant.africa/js/tingg-checkout-library.js
- type: SDKs
  name: Express Checkout PHP Client (source)
  url: https://github.com/CellulantCorp/Express-Checkout-PHP-Client
- type: SDKs
  name: Express Checkout Python (source)
  url: https://github.com/CellulantCorp/express-checkout-python
- type: SDKs
  name: Express Checkout Node.js (source)
  url: https://github.com/CellulantCorp/express-checkout-nodejs
- type: SDKs
  name: Express Checkout C# (source)
  url: https://github.com/CellulantCorp/express-checkout-c-sharp
- type: Plugin
  name: Tingg WooCommerce Payment Gateway
  url: https://github.com/CellulantCorp/cellulant-tingg-payment-gateway
- type: Plugin
  name: Tingg WordPress Plugin (WordPress.org)
  url: https://wordpress.org/plugins/cellulant-tingg-checkout/
- type: Plugin
  name: Mula WordPress Plugin
  url: https://github.com/CellulantCorp/mula-wordpress-plugin
- type: LinkedIn
  url: https://www.linkedin.com/company/cellulant-corporation
- type: Twitter
  url: https://twitter.com/cellulant
- type: YouTube
  url: https://www.youtube.com/@CellulantCorp
- type: Careers
  url: https://www.cellulant.io/careers/
- type: Contact
  url: https://www.cellulant.io/contact-us/
- type: TermsOfService
  url: https://www.cellulant.io/terms/
- type: PrivacyPolicy
  url: https://www.cellulant.io/privacy-policy/
- type: Plans
  url: plans/cellulant-plans-pricing.yml
- type: RateLimits
  url: rate-limits/cellulant-rate-limits.yml
- type: FinOps
  url: finops/cellulant-finops.yml
- type: Vocabulary
  url: vocabulary/cellulant-vocabulary.yml
- type: SpectralRules
  url: rules/cellulant-rules.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com