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Payments

Payment Integration Systems

M-Pesa, MTN MoMo, Flutterwave, Paystack, Stripe — wired into your stack as primary rails.

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The problem

In most African markets, mobile money is not a payment option — it is the payment option. Card-only checkouts lose 60-80% of intended revenue. Done correctly, mobile money runs cleaner, settles faster, and reconciles better than card rails.

How we approach it

  1. 01Make M-Pesa, MTN MoMo, or Airtel Money the default rail in markets where they should be.
  2. 02Build idempotent webhook handlers — telco callbacks lie, duplicate, and arrive late.
  3. 03Implement reconciliation as a first-class feature, not an export.
  4. 04Wrap card and mobile money behind one payments interface so the rest of your code stays clean.

Capabilities

  • M-Pesa Daraja (STK Push, B2C, C2B, B2B)
  • MTN MoMo Open API across CIV, CMR, GHA, RWA, UGA, ZMB
  • Airtel Money, Orange Money, Tigo Pesa
  • Flutterwave, Paystack, Cellulant, DPO
  • Stripe, Adyen, Checkout.com for international
  • Reconciliation pipelines and settlement reporting
Stack
  • Webhook receivers with idempotency keys and replay tolerance
  • Postgres with strict ledger semantics (double-entry where it matters)
  • Background workers for reconciliation and dispute handling
Deliverables
  • Live payment rails with monitored success and settlement rates
  • Reconciliation reports your finance team will actually use
  • Sandbox + production credentials properly secured
  • Runbook for when a telco breaks (because they will)
Fit for
  • — Anyone collecting payment from African consumers or SMEs
  • — Hotels, e-commerce, lending, utilities, education
Not for
  • — Anyone who needs a hosted checkout page in 30 minutes — use Stripe Checkout

Have a payment integration systems project?

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