# Payfonte ## Introduction ### Getting Started - [Overview](https://docs.payfonte.com/en/guides/introductions/overview.md): 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. - [Products](https://docs.payfonte.com/en/guides/introductions/products.md): 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. - [Quick Start](https://docs.payfonte.com/en/guides/introductions/quick-start.md): Get up and running with Payfonte payment orchestration API in under 10 minutes. Integrate MTN MoMo API, M-Pesa API, and other Africa mobile money API providers. - [FAQ & Features Explained](https://docs.payfonte.com/en/guides/introductions/faq.md): Frequently asked questions about Africa payment orchestration, mobile money API integration, MTN MoMo API, M-Pesa API, Airtel Money API, and local payment methods in Africa. ### Core Concepts - [Platform Overview](https://docs.payfonte.com/en/guides/introductions/platform-overview.md): Understand how to integrate with Payfonte using Dashboard, APIs, Webhooks, and hosted checkout flows. - [Authorization](https://docs.payfonte.com/en/guides/introductions/authorization.md): Authenticate Payfonte API requests using client-id and client-secret headers. - [Environments](https://docs.payfonte.com/en/guides/introductions/environments.md): Configure sandbox and production environments, API base URLs, and authentication with client-id and client-secret. - [Amount Specification](https://docs.payfonte.com/en/guides/introductions/amount-specification.md): How to format amounts for Payfonte APIs using the smallest currency denomination. - [Wallets](https://docs.payfonte.com/en/guides/introductions/wallets.md): Understand Payfonte wallet types, balances, and operational actions for collections and disbursements. ### Providers & Coverage - [Supported Providers by Country](https://docs.payfonte.com/en/guides/introductions/supported-providers.md): Reference for Payfonte provider coverage by country, provider slug, transaction type, currency, fetch-properties requirement, and published amount limits. ### Development - [Endpoint Specification](https://docs.payfonte.com/en/guides/introductions/endpoint-specification.md): Request and response conventions for Payfonte APIs, including authentication, pagination, filtering, and error envelopes. - [Testing](https://docs.payfonte.com/en/guides/introductions/testing.md): Sandbox testing guide for Payfonte integrations, including provider simulators, webhook validation, and test scenarios. - [Error Codes](https://docs.payfonte.com/en/guides/introductions/error-codes.md): Common Payfonte API error codes, meanings, and recommended fixes for collection and disbursement flows. ### Collect Payment - [Overview](https://docs.payfonte.com/en/guides/collections/overview.md): Accept mobile money API payments, bank transfers, and cards across African markets. MTN MoMo API, M-Pesa API, Airtel Money API, Wave Money integration. - [Collections - Inline](https://docs.payfonte.com/en/guides/collections/inline.md): Embed Payfonte checkout directly on your website using the JavaScript SDK. - [Collection - Standard Checkout](https://docs.payfonte.com/en/guides/collections/standard.md): Redirect customers to Payfonte hosted checkout using a server-side API request. - [Collections - Card API](https://docs.payfonte.com/en/guides/collections/card-api.md): Submit card details and continue card collections through PIN, OTP, 3DS redirect, or verification actions. - [Collections - Payment Links](https://docs.payfonte.com/en/guides/collections/payment-links.md): Create and manage shareable payment links for hosted customer payments. - [Webhooks and Callbacks](https://docs.payfonte.com/en/guides/collections/webhook.md): Receive and verify real-time collection payment updates from Payfonte. #### Collections API - Direct - [Overview](https://docs.payfonte.com/en/guides/collections/direct-charge-api.md): Charge customers directly from your backend using provider slugs and customer input without creating a hosted checkout session. - [Direct Charge Processing Flows](https://docs.payfonte.com/en/guides/collections/direct-charge/response-types.md): Understand Direct Charge response types across processing, redirect, bankTransfer, pre-OTP, and OTP provider flows. - [Direct Charge Example Payloads](https://docs.payfonte.com/en/guides/collections/direct-charge/examples.md): Copy-ready direct charge payloads for standard mobile money, Bank Transfer, and Orange pre-OTP provider flows. ### Disbursements - [Overview](https://docs.payfonte.com/en/guides/disbursements/overview.md): End-to-end Disbursement flow for validating recipients, requesting disbursements, and verifying final transaction status. - [Disbursement Authorization Mode](https://docs.payfonte.com/en/guides/disbursements/authorization-mode.md): Configure secure authorization for disbursement requests using PIN mode or Authorization URL mode. - [Disbursement Example Payloads](https://docs.payfonte.com/en/guides/disbursements/examples.md): Copy-ready payload examples for recipient validation, disbursement requests, and disbursement verification. - [Disbursement Webhooks and Callbacks](https://docs.payfonte.com/en/guides/disbursements/webhook.md): Receive, verify, and process real-time disbursement status updates. ## API Reference ### Collections - [Collection API - Direct](https://docs.payfonte.com/api-reference/collections/collection-api--direct.md): Charge the Customer via API - [Confirm Direct Charge Customer Input](https://docs.payfonte.com/api-reference/collections/confirm-direct-charge-customer-input.md): Submit customer input, such as an OTP, when a Direct Charge response returns `action` as `otp`. - [Verify Collection (TSQ)](https://docs.payfonte.com/api-reference/collections/verify-collection-tsq.md): This is the endpoint to verify a Transaction (TSQ) - [Fetch Collection History](https://docs.payfonte.com/api-reference/collections/fetch-collection-history.md): Retrieve a paginated list of all collection transactions - [Collections API - Generate Checkout](https://docs.payfonte.com/api-reference/collections/collections-api--generate-checkout.md): Generate a Payment Checkout URL for customers to make payment - [Fetch Provider Properties](https://docs.payfonte.com/api-reference/collections/fetch-provider-properties.md): This is the endpoint to Fetch properties for provider that needs them Direct charge API can be called. E.g Pawapay ### Card Collections - [Submit Card Details](https://docs.payfonte.com/api-reference/card-collections/submit-card-details.md): Submit customer card details to start a card payment. Sandbox card test data is available in [Testing](https://docs.payfonte.com/en/guides/introductions/testing#card-test-details). - [Submit Card PIN](https://docs.payfonte.com/api-reference/card-collections/submit-card-pin.md): Submit the card PIN when a card payment response returns `action` as `pin`. Sandbox card test data is available in [Testing](https://docs.payfonte.com/en/guides/introductions/testing#card-test-details). - [Submit Card OTP](https://docs.payfonte.com/api-reference/card-collections/submit-card-otp.md): Submit the customer OTP when a card payment response returns `action` as `otp`. Sandbox card test data is available in [Testing](https://docs.payfonte.com/en/guides/introductions/testing#card-test-details). ### Payment Links - [Fetch All Payment Links](https://docs.payfonte.com/api-reference/payment-links/fetch-all-payment-links.md): Retrieve a paginated list of payment links. - [Create Payment Link](https://docs.payfonte.com/api-reference/payment-links/create-payment-link.md): Create a shareable payment link that customers can use to complete payment through hosted checkout. - [Fetch Payment Link By ID](https://docs.payfonte.com/api-reference/payment-links/fetch-payment-link-by-id.md): Retrieve a payment link and its analytics by payment link ID. ### Integrations - [Fetch Activated Integrations](https://docs.payfonte.com/api-reference/integrations/fetch-activated-integrations.md): Retrieve payment providers that have been activated for your business. Filter the response by country, currency, and integration type. ### Disbursements - [Fetch Provider Properties](https://docs.payfonte.com/api-reference/disbursements/fetch-provider-properties.md): This is the endpoint to Fetch properties for provider that needs them before a transfer recipient can be created. E.g Paystack (Bank Transfer) - [Validate A Transfer Recipient](https://docs.payfonte.com/api-reference/disbursements/validate-a-transfer-recipient.md): Create and Validate a Transfer Recipient for Disbursements - [Fetch All Disbursements Transaction](https://docs.payfonte.com/api-reference/disbursements/fetch-all-disbursements-transaction.md): Retrieve a paginated list of all disbursement transactions - [Request a Disbursement](https://docs.payfonte.com/api-reference/disbursements/request-a-disbursement.md): Request a Disbursement to a Transfer Recipient - [Verify a Disbursement](https://docs.payfonte.com/api-reference/disbursements/verify-a-disbursement.md): Verify a Disbursement ### Wallet - [Fetch Wallets](https://docs.payfonte.com/api-reference/wallet/fetch-wallets.md): This is the endpoint to Fetch Wallet for a business ## OpenAPI Specs - [openapi-3.1](/api-reference/openapi-3.1.yml) - [generic](/api-reference/generic.yml) ## Optional - [Website](https://payfonte.com) - [Book a Demo](https://calendly.com/payfonte-onboarding/30min) > The links below point to documentation indexes. Follow each `/_llms/` index recursively until you reach documentation pages. ## Indexes - [French (45 pages)](https://docs.payfonte.com/_llms/fr.txt): Documentation for French. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.