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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.

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Why Payfonte?

Our Africa payment orchestration platform provides everything you need to accept local payment methods in Africa:
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.
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.
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).
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.
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.
Fully customizable checkout pages with your branding, or complete Payment Infrastructure-as-a-Service for fintechs building enterprise payment orchestration Africa solutions.

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Our Products

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

Payment Infrastructure-as-a-Service

For Fintechs & EnterprisesFull 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

Payment Aggregation

For Merchants & BusinessesStart 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

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Quick Start Guide

Get up and running in three simple steps:
1

Create Your Sandbox Account

Sign up at sandbox-app.payfonte.com to access your test environment.
2

Get Your API Credentials

Navigate to Settings → API Keys/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:
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"
    }
  }'
Ready for production? Complete the KYB process via our onboarding form and go live in 1-5 business days.

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Supported Alternative Payment Methods (APM)

Payfonte supports comprehensive local payment methods in Africa through our mobile money payment aggregator:
CategoryProviders
Mobile Money APIMTN MoMo, Orange Money, Airtel Money, M-Pesa, Wave, Moov, Togocel, Halopesa
Bank TransfersDirect bank transfers (Nigeria, Kenya, South Africa)
CardsVisa, Mastercard (via partner gateways)
WalletsOpay, 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

View All Providers

Complete list of supported alternative payment methods by country

Amount Specification

Amount formatting rules (integer minor-unit values only, no decimals)

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Security & Compliance

PCI DSS Compliant

Full Payment Card Industry Data Security Standard compliance

Quarterly ASV Scans

External vulnerability assessments by certified security consultants

End-to-End Encryption

All data encrypted in transit and at rest

Secure Tokenization

Card data tokenized for recurring payments

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Need Help?

API Reference

Complete API documentation

Contact Support

support@payfonte.com

Book a Demo

Schedule a walkthrough