Payment Gateway API · v1

One API.
Every payment rail in Africa.

Accept cards, mobile money and BNPL. Sell gift cards, airtime, data, bills and electricity. Dispatch deliveries. All from one authenticated API key.

Get API Keys Browse API Docs
9
Live Payment Methods
8
API Categories
3
Currencies
99.9%
Uptime SLA
What you can build
One key, full stack
Every endpoint is category-gated. Enable only the rails your product needs.
💳
Payments
Initiate and verify payments across card, mobile money, and bank rails. Full refund support.
POST /payments/initialize GET /payments/verify/{ref} POST /payments/refund
💰
Wallet & Ledger
Check balances, read ledger history, top up float, and request settlements.
GET /balance GET /ledger POST /settlements/request
🪝
Webhooks
Register, update, and simulate webhooks. HMAC-signed delivery for every event.
POST /webhooks POST /webhooks/simulate
📱
Airtime & Data
Purchase airtime and data bundles for any operator in Zimbabwe, South Africa, and the UK.
GET /airtime/operators POST /airtime/purchase POST /data/purchase
🧾
Bills & Utilities
Pay ZESA, DStv, and other billers. Validate account numbers before charging.
GET /bills/billers GET /bills/validate POST /electricity/purchase
🎁
Gift Cards
Browse the live catalogue for any country and buy digital gift cards with your own reference.
GET /gift-cards/products POST /gift-cards/purchase
🚚
Courier Marketplace
Query available couriers by location and dispatch deliveries linked to any payment.
GET /couriers/available POST /couriers/onboard
💬
WhatsApp Checkout Flow
Send customers a native WhatsApp Flow so they can browse products and pay without leaving the app.
flow_token: MC-{merchant_id} POST /flows/merchant-checkout
Live collection methods
Show customers the right way to pay.
This list is built from active payment-method records, Service Management switches and production provider configuration. Sandbox-only methods are not shown as live.
Card payments
Live
Visa & Mastercard
Global and supported African markets

Hosted checkout, payment links and API collections.

Apple Pay
Live
Digital wallet
iPhone and supported Apple devices

Available through secure in-app and web checkout.

Google Pay
Live
Digital wallet
Android and supported browsers

Available through secure in-app and web checkout.

Card payments & Instant EFT
Live
Cards and bank payment
South Africa

Secure South African card and electronic bank transfer checkout.

EcoCash
Live
Zimbabwe mobile money
Zimbabwe

Direct phone prompt with asynchronous payment confirmation.

OneMoney
Live
Zimbabwe mobile money
Zimbabwe

Direct phone prompt with asynchronous payment confirmation.

InnBucks
Live
Zimbabwe wallet
Zimbabwe

Direct phone prompt with asynchronous payment confirmation.

Mobile money
Live
Mobile wallets
13 African markets

The API detects the customer wallet from the international mobile number and sends a local-currency phone prompt.

Bank transfer
Live
Bank pay-in
GBP, EUR, USD and ZAR wallets

Bank transfer checkout for supported customer wallets.

Mobile money collection
Phone-prompt coverage available now

Zimbabwe wallets use their customer-facing wallet names. International numbers are routed automatically and validated against live mobile-money network availability at payment time.

Zimbabwe ZW Kenya KE Uganda UG Zambia ZM Rwanda RW Benin BJ Côte d'Ivoire CI Cameroon CM DR Congo CD Congo CG Gabon GA Mozambique MZ Senegal SN Sierra Leone SL

Start accepting payments in minutes

Authenticate with your API key. Every request goes over HTTPS. Sandbox and production keys are separate; flip X-Environment to switch.

  1. Sign in to the merchant portal and generate an API key under Developer → API Keys.
  2. Enable categories: each capability (payments, airtime, etc.) is independently toggled per key.
  3. Point your webhook URL at POST /v1/webhooks. All events arrive HMAC-signed.
  4. Go live: swap the sandbox key for your production key. Same endpoints, real money.
# Initialize a payment
POST /api/v1/payments/initialize
Authorization: Bearer sk_live_••••••••••
Content-Type: application/json

{
  "amount_cents": 25000,
  "currency":     "USD",
  "method":       "ecocash",
  "phone":        "0771234567",
  "description":  "Order #1234",
  "reference":    "ORD-1234"
}

─── 202 Accepted ─────────────────────
{
  "ok":        true,
  "reference": "ORD-1234",
  "status":    "pending",
  "message":   "EcoCash prompt sent"
}
Security
Enterprise-grade from day one
Every integration point is locked down: no unsigned webhooks, no plain-text secrets.
🔑
Bearer Key Auth
Per-key category scoping
🔏
HMAC-Signed Webhooks
SHA-256, verified on delivery
🚦
Rate Limiting
Per-key, per-category limits
🔒
TLS 1.3
All traffic encrypted in transit
🛡️
Idempotency Keys
Replay-safe by design
📋
Audit Log
Every API call timestamped
Coverage
The same coverage, one request away.
Ask for a country, get its live catalogue back. Figures below are checked against our providers and refreshed daily (last check 20 Oct 2026).
173countries with something live
168Gift cards, live markets
4Payment cards, live markets
141Airtime, live markets
10Data bundles, live markets
2Electricity, live markets
2TV and streaming, live markets
2Bill payments, live markets
2Send money, live markets
5Receive money, live markets
1Mobile money, live markets
3Card acceptance, live markets
2Pay later, live markets
/api/v1/gift-cards/products/api/v1/airtime/operators/api/v1/bills/billers/api/v1/electricity/validate/api/v1/payments/initialize/api/v1/balance/api/v1/webhooks GET /api/coverage?country=KE

Starter

PaymentsAirtime and dataBillsElectricityGift cardsWallet and settlements

Growth

PaymentsAirtime and dataBillsElectricityGift cardsWallet and settlementsWebhooks

Professional

PaymentsAirtime and dataBillsElectricityGift cardsWallet and settlementsWebhooksAnalytics

Enterprise

PaymentsAirtime and dataBillsElectricityGift cardsWallet and settlementsWebhooksWhite labelAnalytics

JavaScript, PHP, Python SDKs and sandbox keys are available. See every country.

White label
Launch your own branded money app.
Your brand and your customers, on our rails. Offer accounts, payments and everyday services under your name without building the plumbing.
Accounts and balances
Multi-currency accounts with live balances and statements.
UK payments
Faster Payments in and out of the account.
International transfers
Bank transfers abroad from the same account.
Bulk payouts
Pay many people in one batch, with approval.
Webhooks
Real time events for every movement.
Secure messaging
A message thread between your customer and our team.
1
Tell us about your brand

Your use case, your markets and the experience you want your customers to have.

2
We configure your space

Your brand, your domain and the products you choose, behind the same compliance checks.

3
Launch to your customers

Your customers see your brand. Settlement and support run through us.

White label is part of our Enterprise tier. Banking services are provided through our regulated banking partner. Markets and features depend on your use case.

Ready to integrate?

Create your free account, generate an API key, and make your first payment in under 10 minutes.

Open Developer Portal Browse API Docs