> ## 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.

# Products

> Payment orchestration API, Infrastructure-as-a-Service, and mobile money payment aggregator solutions for African markets. Multi-PSP integration with MTN MoMo API, M-Pesa API, Airtel Money API.

Payfonte offers flexible payment orchestration API solutions designed to meet the needs of different business models—from startups accepting their first alternative payment method (APM) to enterprises building full-fledged Africa payment orchestration infrastructure.

***

## Payment Orchestration / Infrastructure-as-a-Service

[//]: # "<Frame>"

[//]: #

[//]: # "  <img src=\"/images/orchestration-diagram.svg\" alt=\"Payment Orchestration Platform Africa - Multi-PSP Integration Architecture\" />"

[//]: #

[//]: # "</Frame>"

### Overview

Payment Orchestration (also known as Payment Infrastructure-as-a-Service or PIaaS) is our enterprise payment orchestration Africa solution designed for fintechs, large enterprises, and businesses that have or want to establish direct contracts with Mobile Network Operators (MNOs) and Payment Service Providers (PSPs).

Payfonte provides the payment orchestration API technology layer—API, dashboard, reconciliation engine, and smart payment routing Africa logic—while you maintain ownership of your provider relationships and negotiate your own rates for MTN MoMo API integration, M-Pesa API, Airtel Money API, and other mobile money API connections.

### Who Is This For?

<CardGroup cols={2}>
  <Card title="Fintechs" icon="building">
    Building payment products and need robust infrastructure without building from scratch
  </Card>

  <Card title="Large Merchants" icon="store">
    Processing high volumes and want to leverage existing provider contracts
  </Card>

  <Card title="Banks & MFIs" icon="landmark">
    Extending digital payment capabilities to customers
  </Card>

  <Card title="Aggregators" icon="diagram-project">
    Building their own payment aggregation business
  </Card>
</CardGroup>

### Key Features

<AccordionGroup>
  <Accordion title="Hybrid Orchestration" icon="shuffle">
    Bring Your Own Contracts: Connect your existing MNO/PSP contracts to Payfonte's payment orchestration platform Africa infrastructure. Our multi-PSP integration Africa approach lets you use Payfonte's partnerships to fill coverage gaps.

    * Configure which providers to use per country/method

    * Set routing priority and fallback rules for smart payment routing

    * Optimize for cost or success rate across all mobile money integration Africa
  </Accordion>

  <Accordion title="White-Label Dashboard" icon="palette">
    Fully branded merchant portal for your customers using our enterprise payment orchestration platform:

    * Your logo and color scheme

    * Custom domain (e.g., payments.yourcompany.com)

    * Branded email notifications

    * Custom support contact details
  </Accordion>

  <Accordion title="Complete Payment Orchestration API Access" icon="code">
    Full programmatic control over all payment operations through our payment orchestration API:

    * Collections API supporting all alternative payment methods (APM)

    * Disbursements API (single and bulk disbursements)

    * Webhooks for real-time notifications

    * Transaction query and reporting APIs

    * Africa mobile money API integrations for all major providers
  </Accordion>

  <Accordion title="Smart Reconciliation Engine" icon="arrows-rotate">
    Automated reconciliation across all connected providers in your Africa payment orchestration setup:

    * Real-time transaction status updates

    * Automatic retry logic for pending transactions

    * 100% final state resolution guarantee

    * Detailed reconciliation reports for MTN MoMo API, M-Pesa API, Airtel Money API, and all other integrations
  </Accordion>
</AccordionGroup>

### Getting Started with Payment Orchestration

<Steps>
  <Step title="Contact Sales">
    Reach out to [commercial@payfonte.com](mailto:commercial@payfonte.com) or [book a demo](https://calendly.com/marc-payfonte/30min) to discuss your requirements.
  </Step>

  <Step title="Provide MNO Contract Details">
    Share details of your existing provider contracts (if any) so we can configure your routing.
  </Step>

  <Step title="Technical Integration">
    Integrate with our API using the sandbox environment. Our team will assist with configuration.
  </Step>

  <Step title="Go Live">
    Complete compliance review and launch in production.
  </Step>
</Steps>

***

## Payment Aggregation

### Overview

Payment Aggregation is Payfonte's turnkey mobile money payment aggregator solution for businesses that want to start accepting local payment methods in Africa immediately without establishing direct contracts with MNOs. We act as the aggregator, providing access to our pre-negotiated partnerships across all supported markets for MTN MoMo API integration, M-Pesa API, Wave Money integration, Airtel Money API, and other alternative payment methods (APM).

### Who Is This For?

<CardGroup cols={2}>
  <Card title="E-commerce Merchants" icon="cart-shopping">
    Online stores accepting payments from African customers
  </Card>

  <Card title="SaaS Companies" icon="cloud">
    Software businesses with African user bases
  </Card>

  <Card title="Marketplaces" icon="shop">
    Platforms collecting payments on behalf of sellers
  </Card>

  <Card title="Startups" icon="rocket">
    Early-stage companies needing fast time-to-market
  </Card>
</CardGroup>

### Key Features

<AccordionGroup>
  <Accordion title="Instant Go-Live" icon="bolt">
    Start accepting local payment methods in Africa within days of onboarding:

    * No MNO contract negotiations required for mobile money API access

    * Pre-configured alternative payment methods per country

    * Automatic provider selection and smart payment routing Africa
  </Accordion>

  <Accordion title="Simplified Pricing" icon="tags">
    Transparent, predictable pricing for all mobile money integration Africa:

    * Single fee per transaction

    * No hidden costs or setup fees

    * Volume-based discounts available
  </Accordion>

  <Accordion title="Managed Compliance" icon="clipboard-check">
    We handle regulatory complexity for your Africa payment orchestration:

    * KYB verification process

    * AML/CFT compliance monitoring

    * Local regulatory requirements
  </Accordion>

  <Accordion title="Checkout Options" icon="credit-card">
    Multiple integration methods for Africa mobile money API payments:

    * Hosted Checkout: Redirect customers to Payfonte-hosted payment page

    * Inline Checkout: Embed payment form on your website

    * Payment Links: Generate shareable payment URLs

    * Direct API: Full control via payment orchestration API calls
  </Accordion>
</AccordionGroup>

[//]: #

[//]: # "### Getting Started with Payment Aggregation"

[//]: #

[//]: # "<Steps>"

[//]: # "  <Step title=\"Create Sandbox Account\">"

[//]: # "    Sign up at [sandbox-app.payfonte.com](https://sandbox-app.payfonte.com) to test the integration."

[//]: # "  </Step>"

[//]: #

[//]: # "  <Step title=\"Integrate the API\">"

[//]: # "    Follow our [Quick Start Guide](/en/guides/introductions/quick-start) to make your first test transaction."

[//]: # "  </Step>"

[//]: #

[//]: # "  <Step title=\"Complete KYB\">"

[//]: # "    Submit required documentation via our [onboarding form](https://form.jotform.com/240038360690048)."

[//]: # "  </Step>"

[//]: #

[//]: # "  <Step title=\"Go Live\">"

[//]: # "    Once approved, switch to production credentials and start accepting real payments."

[//]: # "  </Step>"

[//]: # "</Steps>"

[//]: #

[//]: # "---"

[//]: #

[//]: # "## Product Comparison"

[//]: #

[//]: # "| Feature | Payment Orchestration / IaaS | Payment Aggregation |"

[//]: # "|---------|------------------------------|---------------------|"

[//]: # "| Use Your Own MNO Contracts | ✅ Yes | ❌ No |"

[//]: # "| Use Payfonte's Partnerships | ✅ Optional | ✅ Required |"

[//]: # "| White-Label Dashboard | ✅ Full customization | ❌ Standard branding |"

[//]: # "| Custom Smart Payment Routing | ✅ Full control | ❌ Automatic |"

[//]: # "| Multi-PSP Integration | ✅ Unlimited providers | Pre-configured |"

[//]: # "| Time to Go Live | 2-4 weeks | 1-5 days |"

[//]: # "| Best For | Fintechs, Enterprises | SMBs, Startups |"

[//]: # "| Pricing Model | Platform fee + your provider costs | Transaction fee |"

[//]: #

[//]: # "Both products provide access to our full suite of Africa mobile money API integrations including MTN MoMo API, M-Pesa API, Wave Money integration, and Airtel Money API."

[//]: #

[//]: # "---"

[//]: #

[//]: # "## Not Sure Which Product Fits?"

[//]: #

[//]: # "<Card title=\"Talk to Our Team\" icon=\"comments\" href=\"https://calendly.com/marc-payfonte/30min\">"

[//]: # "  Schedule a 30-minute consultation to discuss your use case and get a personalized recommendation."

[//]: # "</Card>"