# Cellulant

**Canonical:** https://apis.io/providers/cellulant/  
**Website:** https://www.cellulant.io  
**APIs profiled:** 6

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.

## Kin Score — 54.7 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 54.7).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 72.3 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 56.0 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 35.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (6)

- **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.

## Agentic access (1)

- **Cellulant Agentic Access** — 8 operations · 7 acting

## Security (2)

- **Cellulant Authentication** — apiKey/http · 3 schemes
- **Cellulant Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Mobile Money, Checkout, Payouts, Disbursement, Africa, Pan-African, Fintech, Bank Transfer, Cards, Airtime, Bill Payments, SMS, OTP, Tingg

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cellulant/). Scores are computed from the provider's own public artifacts under a published rubric.