> ## 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.

# Overview

> Africa payment orchestration platform - Mobile money API integration for MTN MoMo, M-Pesa, Airtel Money, Wave. Accept local payment methods across 14+ African markets with one API.

We provide the infrastructure for integrating Alternative Payment Methods (APM) and local payment methods in Africa—including mobile money, bank transfers, and cards—through one multi-PSP integration. Our platform offers smart payment routing and enterprise payment orchestration capabilities designed specifically for African markets.

## Why Payfonte?

Our Africa payment orchestration platform provides everything you need to accept local payment methods in Africa:

<AccordionGroup>
  <Accordion title="🔀 Hybrid Orchestration" icon="shuffle">
    Use your existing MNO contracts where you have better rates, or leverage Payfonte's direct partnerships. Our multi-PSP integration Africa approach lets you combine both for optimal coverage and cost efficiency across all markets.
  </Accordion>

  <Accordion title="💰 Cost Efficiency" icon="piggy-bank">
    Eliminate the cost of developing and maintaining individual mobile money API
    integrations in-house. No MTN MoMo API integration, M-Pesa API, or Airtel
    Money API development needed—we handle the infrastructure.
  </Accordion>

  <Accordion title="⚡ Smart Payment Routing" icon="route">
    Our smart payment routing Africa technology provides automatic failover and
    backup rails ensuring maximum transaction success rates. The routing engine
    selects the optimal path for each transaction across your alternative payment
    methods (APM).
  </Accordion>

  <Accordion title="📊 Unified Dashboard" icon="table-columns">
    One dashboard for all markets, payment methods, and MNOs. Manage your entire
    mobile money integration Africa portfolio with streamlined payment operations,
    financial reconciliation, and real-time reporting.
  </Accordion>

  <Accordion title="🔄 Smart Reconciliation" icon="arrows-rotate">
    In-built reconciliation engine ensures 100% final state resolution. No missing
    or hanging transactions—every payment reaches a definitive status across all
    your Africa mobile money API integrations.
  </Accordion>

  <Accordion title="🎨 White-Label Solutions" icon="palette">
    Fully customizable checkout pages with your branding, or complete Payment Infrastructure-as-a-Service for fintechs building enterprise payment orchestration Africa solutions.
  </Accordion>
</AccordionGroup>

***

## Our Products

Payfonte offers two primary product lines to meet different business needs:

<CardGroup cols={2}>
  <Card title="Payment Infrastructure-as-a-Service" icon="server">
    For Fintechs & Enterprises

    Full payment infrastructure on your own MNO contracts. We provide the technology layer—you maintain direct relationships with providers.

    * Use your own MNO/PSP contracts
    * White-label checkout & dashboard
    * Complete API access
    * Custom routing rules
  </Card>

  <Card title="Payment Aggregation" icon="layer-group">
    For Merchants & 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
  </Card>
</CardGroup>

***

## Quick Start Guide

Get up and running in three simple steps:

<Steps>
  <Step title="Create Your Sandbox Account">
    Sign up at [sandbox-app.payfonte.com](https://sandbox-app.payfonte.com) to access your test environment.
  </Step>

  <Step title="Get Your API Credentials">
    Navigate to Settings -> Security ->  API Keys and Webhooks in your dashboard to retrieve your `client-id` and `client-secret`.
  </Step>

  <Step title="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",
        "redirectURL": "https://yoursite.com/callback",
        "user": {
          "email": "customer@example.com",
          "phoneNumber": "08012345678"
        }
      }'
    ```
  </Step>
</Steps>

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

***

## Supported Alternative Payment Methods (APM)

Payfonte supports comprehensive local payment methods in Africa through our mobile money payment aggregator:

| Category         | Providers                                                                   |
| ---------------- | --------------------------------------------------------------------------- |
| Mobile Money API | MTN MoMo, Orange Money, Airtel Money, M-Pesa, Wave, Moov, Togocel, Halopesa |
| Bank Transfers   | Direct bank transfers (Nigeria, Kenya, South Africa)                        |
| Cards            | Visa, Mastercard (via partner gateways)                                     |
| Wallets          | Opay, PalmPay, OPay Wallet                                                  |

Our Africa mobile money API integrations include:

* MTN MoMo API integration across 10+ countries
* M-Pesa API for Kenya, Tanzania, and other East African markets
* Airtel Money API for pan-African coverage
* Wave Money integration for West Africa
* Orange Money, Moov, and other regional providers

<CardGroup cols={2}>
  <Card title="View All Providers" icon="list" href="/en/guides/introductions/supported-providers">
    Complete list of supported alternative payment methods by country
  </Card>

  <Card title="Amount Specification" icon="hashtag" href="/en/guides/introductions/amount-specification">
    Amount formatting rules (integer minor-unit values only, no decimals)
  </Card>
</CardGroup>

***

## Security & Compliance

<CardGroup cols={2}>
  <Card title="PCI DSS Compliant" icon="shield-halved">
    Full Payment Card Industry Data Security Standard compliance
  </Card>

  <Card title="Quarterly ASV Scans" icon="magnifying-glass">
    External vulnerability assessments by certified security consultants
  </Card>

  <Card title="End-to-End Encryption" icon="lock">
    All data encrypted in transit and at rest
  </Card>

  <Card title="Secure Tokenization" icon="key">
    Card data tokenized for recurring payments
  </Card>
</CardGroup>

***

## Need Help?

<CardGroup cols={3}>
  <Card title="API Reference" icon="code" href="/en/api-reference/introduction">
    Complete API documentation
  </Card>

  <Card title="Contact Support" icon="headset" href="mailto:support@payfonte.com">
    [support@payfonte.com](mailto:support@payfonte.com)
  </Card>

  <Card title="Book a Demo" icon="calendar" href="https://calendly.com/marc-payfonte/30min">
    Schedule a walkthrough
  </Card>
</CardGroup>