Skip to main content
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

Payment Orchestration Platform Africa - Multi-PSP Integration Architecture

​
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?

Fintechs

Building payment products and need robust infrastructure without building from scratch

Large Merchants

Processing high volumes and want to leverage existing provider contracts

Banks & MFIs

Extending digital payment capabilities to customers

Aggregators

Building their own payment aggregation business

​
Key Features

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
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
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
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

​
Getting Started with Payment Orchestration

1

Contact Sales

Reach out to commercial@payfonte.com or book a demo to discuss your requirements.
2

Provide MNO Contract Details

Share details of your existing provider contracts (if any) so we can configure your routing.
3

Technical Integration

Integrate with our API using the sandbox environment. Our team will assist with configuration.
4

Go Live

Complete compliance review and launch in production.

​
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?

E-commerce Merchants

Online stores accepting payments from African customers

SaaS Companies

Software businesses with African user bases

Marketplaces

Platforms collecting payments on behalf of sellers

Startups

Early-stage companies needing fast time-to-market

​
Key Features

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
Transparent, predictable pricing for all mobile money integration Africa:
  • Single fee per transaction
  • No hidden costs or setup fees
  • Volume-based discounts available
We handle regulatory complexity for your Africa payment orchestration:
  • KYB verification process
  • AML/CFT compliance monitoring
  • Local regulatory requirements
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