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

# Getting Started

> Welcome to Payfonte, Africa's payment orchestration platform for accepting and disbursing payments across multiple markets through one API.

# Welcome to Payfonte

Africa's leading **payment orchestration platform** enabling businesses to accept and disburse payments across **14+ African markets** through a single, unified API integration.

> [card] 14+
>
> African Markets

> [card] \$100M+
>
> Processed Value

> [card] 99.99%
>
> System Uptime

> [card] T+1-3
>
> Settlement

## What is Payfonte?

Payfonte is a unified payment orchestration platform that helps businesses collect and disburse payments across multiple providers and markets from one dashboard and one API. We simplify gateway management, routing, reconciliation, reporting, and integration so your team can focus on growth instead of payment infrastructure complexity.

## Why Payfonte?

> [accordion] Hybrid Orchestration
>
> Use **your existing MNO contracts** where you have better rates, or leverage
> **Payfonte's direct partnerships**. Combine both for optimal coverage and
> cost efficiency.

> [accordion] Cost Efficiency
>
> Eliminate the cost of developing and maintaining MNO API integrations. No
> server hosting, no ongoing technical support. We handle the infrastructure.

> [accordion] Intelligent Routing
>
> Automatic failover and backup rails ensure maximum transaction success
> rates. Our routing engine selects the optimal path for each transaction.

> [accordion] Unified Dashboard
>
> One dashboard for all markets, payment methods, and MNOs. Streamlined
> payment operations, financial reconciliation, and real-time reporting.

> [accordion] Smart Reconciliation
>
> In-built reconciliation engine ensures 100% final state resolution. No
> missing or hanging transactions. Every payment reaches a definitive status.

> [accordion] White-Label Solutions
>
> Fully customizable checkout pages with your branding, or complete Payment
> Infrastructure-as-a-Service for fintechs and enterprises.

## Our Products

> [card] Payment Orchestration / IaaS
>
> **For Fintechs and Enterprises**
>
> Full payment infrastructure on your own MNO contracts. We provide the technology while you maintain direct provider relationships.
>
> * Use your own MNO/PSP contracts
> * White-label dashboard and checkout
> * Complete API access
> * Custom routing rules

> [card] Payment Aggregation
>
> **For Merchants and Businesses**
>
> Start accepting payments immediately using Payfonte's aggregated MNO partnerships. No direct contracts required.
>
> * Instant go-live capability
> * Pre-negotiated MNO rates
> * Simplified onboarding
> * Managed compliance

## Quick Start Guide

**1. Create your sandbox account**

Sign up at [sandbox-app.payfonte.com](https://sandbox-app.payfonte.com) to access your test environment.

**2. Get your API credentials**

Navigate to **Settings -> Security ->  API Keys and Webhooks** in your dashboard to retrieve your `client-id` and `client-secret`.

**3. Make your first API call**

Use the sandbox base URL to test your integration:

```bash theme={null}
curl --location 'https://sandbox-api.payfonte.com/payments/v1/checkouts' \
  --header 'client-id: <your-client-id>' \
  --header 'client-secret: <your-client-secret>' \
  --header 'Content-Type: application/json' \
  --data '{
    "reference": "test-001",
    "amount": 1000,
    "currency": "NGN",
    "country": "NG"
  }'
```

> [!TIP]
>
> **Ready for production?** Complete the KYB process via our [onboarding
> form](https://form.jotform.com/240038360690048) and go live in 1-5 business
> days.

## Need Help?

> [card] [API Reference](https://docs.payfonte.com/en/api-reference/introduction)
>
> Complete API documentation.

> [card] [Contact Support](mailto:support@payfonte.com)
>
> [support@payfonte.com](mailto:support@payfonte.com)

> [card] [Book a Demo](https://calendly.com/payfonte-onboarding/30min)
>
> Schedule a walkthrough with our team.


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