A unified payment gateway, double-entry financial ledger, and real-time reconciliation engine. Collect payments via Airtel Money, TNM Mpamba, M-Pesa, MTN, and Cards through a single developer API.
// Initialize instant Mobile Money charge
curl -X POST https://api.xtrempay.africa/api/v1/payments \
-H "Authorization: Bearer sk_live_8a91..." \
-H "Idempotency-Key: ord_77491" \
-d '{
"amount": 5000000, // MWK 50,000.00
"currency": "MWK",
"payment_method": "mobile_money",
"provider_id": "airtel_money",
"phone_number": "+265991234567"
}'
Direct Integrations Across Core Regional Payment Corridors
Architected from the ground up to eliminate payment fragmentation, breakages, and manual reconciliations.
Zero money floats in thin air. Every transaction creates strict balanced debits and credits across platform asset, liability, and escrow accounts with strict database invariants.
Automated parsers ingest daily operator statements (Airtel, TNM, Banks), match records, flag discrepancies, and auto-heal ledger breaks with one click.
Convert balances dynamically between MWK, ZMW, KES, USD, and EUR. Instant guaranteed quotes, spread management, and dual-currency ledger settlement.
Real-time transaction velocity scoring, device profiling, and global risk blocklists prevent chargebacks before they strike.
Idempotent HMAC-SHA256 webhooks with exponential backoff retries, accompanied by a Server-Sent Events (SSE) live firehose stream.
Generate shareable payment links in seconds with automated WhatsApp/SMS receipts, responsive customer checkouts, and branded merchant themes.
Start collecting real transactions in under 15 minutes. Our SDKs and REST APIs come with pre-configured Postman/OpenAPI collections, comprehensive error codes, and cryptographically secure test suites.
payments:write, payouts:write)
/docs
{
"event": "payment.succeeded",
"event_id": "evt_9f3b201a-8842-4f",
"data": {
"id": "pay_3a1c9d5d-9324-4c",
"reference": "REC-ORD-A-5102",
"amount": 4000000,
"currency": "MWK",
"provider_id": "airtel_money",
"status": "successful",
"created_at": "2026-10-03T18:11:03Z"
}
}