id stringlengths 3 11 | name stringlengths 4 25 | aliases listlengths 1 5 | homepage stringlengths 16 33 | docs_url stringlengths 23 59 | category stringclasses 6
values | regions listlengths 1 4 | countries listlengths 1 12 | currencies listlengths 1 8 | methods listlengths 1 8 | auth unknown | initiate unknown | status unknown | capabilities dict | credentials_required listlengths 2 5 | sandbox unknown | pain_points listlengths 5 8 | sdks unknown | notes stringlengths 152 670 | sources listlengths 2 6 | verification unknown | api_version stringclasses 1
value | environments dict | encryption dict |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
dpo | DPO Pay | [
"3G Direct Pay",
"DPO Group",
"DirectPay Online",
"API3G"
] | https://dpogroup.com | https://docs.dpopay.com | african-aggregator | [
"East Africa",
"Southern Africa",
"West Africa",
"UAE"
] | [
"KE",
"UG",
"TZ",
"RW",
"GH",
"ZM",
"NA",
"BW",
"ZA",
"CI",
"ZW",
"AE"
] | [
"USD",
"KES",
"TZS",
"UGX",
"ZAR",
"GHS",
"ZMW",
"and per-merchant provisioned"
] | [
"card",
"mobile_money",
"bank_transfer"
] | {
"model": "company-token",
"key_types": [
"CompanyToken"
],
"sandbox_instant": false,
"kyc_required_for_live": true
} | {
"flow": "xml-redirect",
"endpoint": "POST https://secure.3gdirectpay.com/API/v6/ (live) | https://secure1.sandbox.directpay.online/API/v6/ (sandbox)",
"http_method": "POST",
"required_params": [
"CompanyToken",
"Request=createToken",
"Transaction.PaymentAmount",
"Transaction.PaymentCurrency",
... | {
"mechanisms": [
"poll",
"redirect-return"
],
"webhook_verification": "None — DPO has no signed webhook. RedirectURL/BackURL are browser redirects and are NOT proof of payment. Poll verifyToken server-side (must verify within 30 min of payment) as the source of truth.",
"raw_status_values": [
"000"... | {
"redirect": true,
"poll": true,
"webhook": false,
"mobile_push": true,
"refund": true,
"recurring": true
} | [
{
"key": "companyToken",
"label": "Company Token (GUID)",
"secret": true,
"note": "single token sent in every XML body; identifies the merchant account. No API key/secret pair — DPO has none."
},
{
"key": "serviceType",
"label": "Service Type ID",
"secret": false,
"note": "provis... | {
"test_credentials": {
"companyToken": "9F416C11-127B-4DE2-AC7F-D5710E4C5E0A",
"serviceType": "3854 or 5525",
"note": "public demo token/service pre-wired; build before your own KYC clears, swap the real token via config at cutover with zero code change."
},
"test_cards": [],
"notes": "Test cards a... | [
{
"problem": "XML API in a JSON world",
"cause": "DPO's only API (API3G) is XML request/response with no JSON option",
"mitigation": "Hide XML entirely behind ManishaPay's JSON contract — hand-built buildXml()/parseXml() are the only tag-aware code; the merchant POSTs and receives JSON",
"severity":... | {
"node": "@kazion/dpopay-sdk (community, unofficial)",
"php": "zepson/dpo-php (community, unofficial)",
"rest_direct_ok": false
} | XML-only 'API3G'. Single CompanyToken (UUID) authenticates every call — no OAuth, no request signing, no signed webhook. Flow: createToken -> redirect payv3.php?ID=<TransToken> -> verifyToken (poll). No native 'refunded' status: refunds go via refundToken (partial OK) and must be tracked in your own ledger. Recurring/m... | [
"https://docs.dpopay.com",
"https://dpogroup.com",
"https://github.com/zepson/dpo-php",
"https://www.npmjs.com/package/@kazion/dpopay-sdk"
] | {
"verified": false,
"unverified_fields": [
"exact per-merchant currency list",
"full Result-code enumeration",
"sandbox test cards"
],
"last_updated": "2026-07-18"
} | null | null | null |
flutterwave | Flutterwave | [
"Flutterwave v4",
"F4B",
"Flutterwave for Business"
] | https://flutterwave.com | https://developer.flutterwave.com/docs | african-aggregator | [
"Pan-African"
] | [
"NG",
"GH",
"KE",
"ZA",
"UG",
"TZ",
"RW"
] | [
"USD",
"NGN",
"GHS",
"KES",
"ZAR",
"UGX",
"TZS",
"RWF"
] | [
"card",
"mobile_money",
"bank_transfer",
"ussd"
] | {
"model": "oauth-client-credentials",
"token_endpoint": "POST https://idp.flutterwave.com/realms/flutterwave/protocol/openid-connect/token",
"grant_type": "client_credentials",
"token_content_type": "application/x-www-form-urlencoded",
"token_ttl_seconds": 600,
"refresh_before_expiry_seconds": 60,
"beare... | {
"flow": "orchestration-direct-charge",
"endpoint": "POST /orchestration/direct-charges",
"http_method": "POST",
"required_headers": [
"Authorization",
"Content-Type: application/json",
"X-Idempotency-Key"
],
"optional_headers": [
"X-Scenario-Key (sandbox test outcomes only)"
],
"requir... | {
"mechanisms": [
"poll",
"webhook",
"redirect-return"
],
"poll_endpoint": "GET /charges/{id}",
"webhook_verification": "v4: header 'flutterwave-signature' = base64(HMAC-SHA256(rawBody, secretHash)); compared constant-time over the RAW bytes. This REPLACES v3's plain 'verif-hash' equality check — th... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": true,
"refund": true,
"recurring": true
} | [
{
"key": "clientId",
"label": "Client ID",
"secret": false,
"note": "v4 OAuth client id (Settings → API Keys). Distinct from the legacy FLWSECK- v3 key."
},
{
"key": "clientSecret",
"label": "Client Secret",
"secret": true,
"note": "v4 OAuth client secret; exchanged for a 10-minu... | {
"base": "https://developersandbox-api.flutterwave.com",
"scenario_header": "X-Scenario-Key",
"card_scenarios": "scenario:<v>&issuer:<v> (scenario: auth_pin, auth_pin_3ds, auth_3ds, auth_avs, auth_redirect; issuer: approved, insufficient_funds, incorrect_pin, expired_card, suspected_fraud, system_error)",
"oth... | [
{
"problem": "v3 integration breaks after migrating to v4",
"cause": "v4 changes auth (OAuth vs static FLWSECK- key), the initiate endpoint (/orchestration/direct-charges vs /v3/payments), card encryption (AES-256-GCM fields vs none), and the webhook header (flutterwave-signature HMAC vs plain verif-hash)",... | {
"node": "flutterwave (v4)",
"rest_direct_ok": true
} | Zimbabwe is NOT a supported Flutterwave merchant/settlement country — a ZW business cannot onboard for local settlement. Flutterwave is only useful to ManishaPay for regional/USD/diaspora collections (NG, GH, KE, ZA, etc.); route Zimbabwe-local payments to PayNow. Built on the CURRENT default v4 API (OAuth client-crede... | [
"https://developer.flutterwave.com/docs",
"https://developer.flutterwave.com/docs/authentication",
"https://developer.flutterwave.com/docs/webhooks",
"https://developer.flutterwave.com/docs/direct-charges",
"https://developer.flutterwave.com/docs/testing"
] | {
"verified": true,
"verified_notes": "v4 OAuth token + mobile-money orchestrator direct-charge verified live against the sandbox (real chg_ id + hosted redirect). Reference must be alphanumeric; customer.phone must be an object {country_code, number}.",
"unverified_fields": [
"production base host (f4bexperi... | v4 | {
"token_host": "https://idp.flutterwave.com/realms/flutterwave/protocol/openid-connect/token",
"sandbox_base": "https://developersandbox-api.flutterwave.com",
"live_base_default": "https://f4bexperience.flutterwave.com",
"live_base_alt": "https://api.flutterwave.cloud/f4b/production",
"note": "The production... | {
"algorithm": "AES-256-GCM (AES/GCM/NoPadding)",
"applies_to": [
"card"
],
"fields": [
"encrypted_card_number",
"encrypted_expiry_month",
"encrypted_expiry_year",
"encrypted_cvv"
],
"key": "base64-decode the Encryption Key to 32 bytes (AES-256)",
"iv": "the per-request 12-char nonce (... |
mpesa | M-Pesa (Safaricom Daraja) | [
"Daraja",
"Lipa na M-Pesa",
"M-Pesa Express",
"STK Push",
"Safaricom M-Pesa"
] | https://developer.safaricom.co.ke | https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate | mobile-money | [
"East Africa"
] | [
"KE"
] | [
"KES"
] | [
"mpesa"
] | {
"model": "oauth-client-credentials",
"key_types": [
"consumerKey",
"consumerSecret",
"bearer-access-token",
"lipa-na-mpesa-passkey"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "stk-push",
"endpoint": "POST https://{sandbox|api}.safaricom.co.ke/mpesa/stkpush/v1/processrequest",
"http_method": "POST",
"required_params": [
"BusinessShortCode",
"Password",
"Timestamp",
"TransactionType",
"Amount",
"PartyA",
"PartyB",
"PhoneNumber",
"CallBackU... | {
"mechanisms": [
"webhook",
"poll"
],
"webhook_verification": "No signature. Daraja POSTs Body.stkCallback to the CallBackURL supplied in the STK Push. Trust is established by (a) ManishaPay OWNING the callback URL (public HTTPS, never merchant-supplied) and (b) correlating on CheckoutRequestID; must ack... | {
"redirect": false,
"poll": true,
"webhook": true,
"mobile_push": true,
"refund": true,
"recurring": false
} | [
{
"key": "consumerKey",
"label": "Consumer Key",
"secret": true,
"note": "Daraja portal → your app → Keys. Used with the secret for OAuth Basic auth."
},
{
"key": "consumerSecret",
"label": "Consumer Secret",
"secret": true,
"note": "Daraja portal → your app → Keys."
},
{
... | {
"test_credentials": {
"shortcode": "174379",
"passkey": "bfb279f9aa9bdbcf158e97dd71a467cd2e0c893059b10f78e6b72ada1ed2c919",
"test_msisdn": "254708374149",
"note": "Consumer Key/Secret are generated instantly per app in the Daraja portal (no KYC). Sandbox auto-approves the prompt (no PIN)."
},
"t... | [
{
"problem": "OAuth access token expires and calls 401 mid-flow",
"cause": "Daraja tokens live ~3600s; a stale cached token or none at all",
"mitigation": "Cache the token per (mode, consumerKey), refresh at ~50min, and retry the request exactly once on a 401 after forcing a fresh token",
"severity"... | {
"node": "mpesa-api (community, stale)",
"php": "community wrappers (stale)",
"rest_direct_ok": true
} | Daraja is KENYA ONLY (KES). Tanzania/Mozambique/DRC/Ghana M-Pesa run on a SEPARATE platform (Vodacom OpenAPI) with different auth — do not reuse this integration. STK Push (M-Pesa Express) is a mobilePush flow: no redirect/checkout URL, the customer approves a prompt on their phone. The synchronous ResponseCode 0 means... | [
"https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate",
"https://developer.safaricom.co.ke/APIs/MpesaExpressQuery",
"https://developer.safaricom.co.ke/APIs/Authorization",
"https://developer.safaricom.co.ke/APIs/Reversal"
] | {
"verified": true,
"verified_notes": "STK push verified live against the Daraja sandbox (real CheckoutRequestID; ResponseCode 0). Password = base64(shortcode+passkey+timestamp) with the SAME timestamp; sandbox uses public test shortcode 174379 + passkey with any sandbox app's consumer key/secret.",
"unverified_f... | null | null | null |
ozow | Ozow | [
"i-Pay",
"Ozow Instant EFT",
"Ozow PayNow"
] | https://ozow.com | https://hub.ozow.com/docs | sa-gateway | [
"South Africa"
] | [
"ZA"
] | [
"ZAR"
] | [
"eft"
] | {
"model": "hash-signed",
"key_types": [
"SiteCode",
"PrivateKey",
"ApiKey"
],
"sandbox_instant": false,
"kyc_required_for_live": true
} | {
"flow": "form-post-redirect",
"endpoint": "POST https://pay.ozow.com/ (form-post redirect) OR POST https://api.ozow.com/postpaymentrequest (REST, ApiKey header)",
"http_method": "POST",
"required_params": [
"SiteCode",
"CountryCode",
"CurrencyCode",
"Amount",
"TransactionReference",
"B... | {
"mechanisms": [
"webhook",
"poll",
"redirect-return"
],
"webhook_verification": "NotifyUrl POST carries a Hash. Recompute: concat notification field VALUES in NOTIFICATION order (differs from request order) + PrivateKey, lowercase the WHOLE string, SHA512 hex, compare case-insensitively. Redirect re... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": false,
"refund": true,
"recurring": false
} | [
{
"key": "siteCode",
"label": "Site Code",
"secret": false,
"note": "identifies the site; sent in the request body/query and is the first value in the HashCheck concatenation"
},
{
"key": "privateKey",
"label": "Private Key",
"secret": true,
"note": "SHA512 salt — NEVER transmitt... | {
"test_credentials": {
"note": "No instant self-serve sandbox — staging site + credentials are issued during onboarding. Staging host: stagingapi.ozow.com. Set IsTest=\"true\"."
},
"test_cards": [],
"notes": "IsTest=true + staging host shows a selection page where you choose the success/fail outcome (no re... | [
{
"problem": "HashCheck mismatch (request rejected / webhook rejected)",
"cause": "Fields concatenated in the wrong order, wrong empty-field handling, Amount not '%.2f', IsTest sent as a boolean, or lowercasing only part of the string",
"mitigation": "Keep TWO hardcoded ordered field lists (request vs n... | {
"node": "none (REST + hand-rolled SHA512)",
"php": "omnipay-ozow (community)",
"rest_direct_ok": true
} | South Africa only, ZAR only, instant EFT (bank redirect) — formerly i-Pay. Three credentials per site: SiteCode (public-ish), PrivateKey (SHA512 salt, never sent), ApiKey (REST header). Live onboarding is KYC-gated (business), not an instant sandbox. Refunds run through a SEPARATE Refunds API (GetToken bearer → POST re... | [
"https://hub.ozow.com/docs",
"https://ozow.com",
"https://github.com/thephpleague/omnipay"
] | {
"verified": false,
"unverified_fields": [
"notification (webhook) field order for HashCheck — confirm exact list + order against live hub.ozow.com",
"refund endpoint + field order (GetToken bearer → POST refund; TransactionId + HashCheck)",
"whether staging sends NotifyUrl webhooks for IsTest=true tra... | null | null | null |
payfast | PayFast | [
"Payfast",
"Payfast by Network",
"PayFast by Network"
] | https://payfast.io | https://developers.payfast.co.za | sa-gateway | [
"South Africa"
] | [
"ZA"
] | [
"ZAR"
] | [
"card",
"eft",
"masterpass",
"snapscan",
"zapper",
"mobicred",
"moretyme",
"capitec_pay"
] | {
"model": "hash-signed",
"key_types": [
"merchant_id",
"merchant_key",
"passphrase"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "form-post-redirect",
"endpoint": "POST https://www.payfast.co.za/eng/process (live) | https://sandbox.payfast.co.za/eng/process (test)",
"http_method": "POST",
"required_params": [
"merchant_id",
"merchant_key",
"amount",
"item_name",
"signature"
],
"returns": [
"redirect-... | {
"mechanisms": [
"webhook",
"redirect-return"
],
"webhook_verification": "ITN (Instant Transaction Notification) POST to notify_url — FOUR mandatory checks: (1) recompute MD5 signature over the RECEIVED-order fields (PHP urlencode, +passphrase if set) vs posted 'signature'; (2) source-IP allowlist DNS-re... | {
"redirect": true,
"poll": false,
"webhook": true,
"mobile_push": false,
"refund": true,
"recurring": true
} | [
{
"key": "merchantId",
"label": "Merchant ID",
"secret": false,
"note": "PayFast dashboard → Settings → Integration. Separate values per environment (sandbox vs live)."
},
{
"key": "merchantKey",
"label": "Merchant Key",
"secret": true,
"note": "PayFast dashboard → Settings → Int... | {
"test_credentials": {
"merchant_id": "10000100",
"merchant_key": "46f0cd694581a",
"note": "Widely-cited PayFast sandbox demo credentials — rotate/regenerate your own at sandbox.payfast.co.za (login by email, generated instantly, no KYC). Sandbox simulates the hosted page and always succeeds."
},
"te... | [
{
"problem": "Signature mismatch — the #1 PayFast integration failure",
"cause": "JavaScript encodeURIComponent() is NOT PHP urlencode(): it leaves ! ' ( ) * ~ unescaped, uses %20 for spaces (PHP uses +), and casing can differ. Signing with it produces a hash PayFast rejects.",
"mitigation": "Use ONE ca... | {
"node": "none official — REST/self-sign (build the form + MD5 signature yourself)",
"php": "payfast/payfast-php-sdk (PHP 8.1+; the official CMS plugins are the reference implementation)",
"rest_direct_ok": true
} | South Africa only, ZAR only. Payment is a redirect: render a signed hidden form POSTing to /eng/process; PayFast hosts the page; the outcome arrives via ITN. There is NO per-transaction status poll — the ITN is the source of truth. Refunds via dashboard + API; recurring via subscription_type=1 (recurring) or =2 (tokeni... | [
"https://developers.payfast.co.za/docs",
"https://developers.payfast.co.za/docs#step_2_signature_generation",
"https://developers.payfast.co.za/docs#step_4_confirm_payment",
"https://developers.payfast.co.za/api",
"https://github.com/Payfast/payfast-php-sdk"
] | {
"verified": true,
"verified_notes": "Signed checkout form verified live against the sandbox — PayFast accepted the MD5 signature and returned a 302 to a real payment session. CRITICAL: if a Salt Passphrase is set on the account it MUST be appended to the signature (a set-but-omitted passphrase = guaranteed mismat... | null | null | null |
paynow | PayNow | [
"Paynow Zimbabwe"
] | https://www.paynow.co.zw | https://developers.paynow.co.zw | zim-aggregator | [
"Zimbabwe"
] | [
"ZW"
] | [
"USD",
"ZWL"
] | [
"ecocash",
"onemoney",
"innbucks",
"omari",
"zimswitch",
"card"
] | {
"model": "integration-id-key-hashed",
"key_types": [
"integrationId",
"integrationKey"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "redirect",
"endpoint": "POST https://www.paynow.co.zw/interface/initiatetransaction (web) | /interface/remotetransaction (express)",
"http_method": "POST",
"required_params": [
"id",
"reference",
"amount",
"additionalinfo",
"returnurl",
"resulturl",
"status",
"hash"
... | {
"mechanisms": [
"poll",
"webhook",
"redirect-return"
],
"webhook_verification": "SHA512 hash of concatenated field values + integration key, uppercase hex; verify on every callback/poll response",
"raw_status_values": [
"Sent",
"Created",
"Paid",
"Awaiting Delivery",
"Delivered... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": true,
"refund": false,
"recurring": false
} | [
{
"key": "integrationId",
"label": "Integration ID",
"secret": false,
"note": "PayNow > Receive Payments > your integration"
},
{
"key": "integrationKey",
"label": "Integration Key",
"secret": true,
"note": "same screen; used to compute/verify the SHA512 hash"
},
{
"key":... | {
"test_credentials": {
"note": "PayNow issues test integrations; ManishaPay also offers a shared simulated sandbox needing zero credentials"
},
"test_cards": [],
"notes": "Express/mobile-money test numbers (0771111111 etc.) simulate outcomes. TEST integrations reject any authemail that isn't the registered... | [
{
"problem": "System.FormatException on amount",
"cause": "C# SDK sends '2.00' / locale-comma decimals PayNow rejects",
"mitigation": "Normalize amount to a strict 0.00 invariant string before sending",
"severity": "high",
"source": "https://developers.paynow.co.zw"
},
{
"problem": "Expr... | {
"node": "paynow (official)",
"php": "paynow/php-sdk (official)",
"rest_direct_ok": true
} | Zimbabwe's dominant aggregator — one PayNow integration unlocks EcoCash, OneMoney, InnBucks, Omari, ZimSwitch and card. Money flows directly to the merchant's PayNow wallet; ManishaPay never holds funds. | [
"https://www.paynow.co.zw",
"https://developers.paynow.co.zw"
] | {
"verified": true,
"unverified_fields": [],
"last_updated": "2026-07-18"
} | null | null | null |
paypal | PayPal | [
"PayPal Checkout",
"PayPal REST",
"Orders v2"
] | https://paypal.com | https://developer.paypal.com/docs/api/orders/v2/ | wallet | [
"Global"
] | [
"US",
"GB",
"EU",
"global"
] | [
"USD",
"EUR",
"GBP",
"and 20+ other supported currencies"
] | [
"paypal",
"card"
] | {
"model": "oauth-client-credentials",
"key_types": [
"client_id",
"client_secret",
"access_token (Bearer, ~9h)",
"webhook_id"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "redirect",
"endpoint": "POST https://api-m.paypal.com/v2/checkout/orders",
"http_method": "POST",
"required_params": [
"intent",
"purchase_units[].amount.currency_code",
"purchase_units[].amount.value"
],
"returns": [
"id",
"status",
"links[] (rel:payer-action | rel:approv... | {
"mechanisms": [
"webhook",
"poll"
],
"webhook_verification": "Headers PAYPAL-TRANSMISSION-ID/-TIME/-SIG/-CERT-URL/-AUTH-ALGO. Offline: RSA-verify PAYPAL-TRANSMISSION-SIG (base64) over 'transmissionId|transmissionTime|webhookId|crc32(RAW body)' using the cert at PAYPAL-CERT-URL (paypal.com only, cache it... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": false,
"refund": true,
"recurring": true
} | [
{
"key": "clientId",
"label": "Client ID",
"secret": false,
"note": "PayPal Developer dashboard → Apps & Credentials → your app → Client ID"
},
{
"key": "clientSecret",
"label": "Client Secret",
"secret": true,
"note": "same screen as the Client ID; used for OAuth2 Basic auth"
... | {
"test_credentials": {
"note": "Sandbox client_id/secret are instant from developer.paypal.com → Apps & Credentials → Sandbox; live needs a verified Business account + KYC"
},
"test_cards": [
{
"number": "4032039999999994",
"brand": "visa",
"result": "success (generated in Sandbox → Tes... | [
{
"problem": "Order marked paid on APPROVED — merchant ships but no money arrives",
"cause": "For intent=CAPTURE, CHECKOUT.ORDER.APPROVED means the buyer approved but funds are NOT captured yet",
"mitigation": "Map paid ONLY to a capture COMPLETED; auto-capture (POST /v2/checkout/orders/{id}/capture) on... | {
"node": "@paypal/paypal-server-sdk",
"php": "paypal/paypal-server-sdk",
"rest_direct_ok": true
} | Zimbabwe PayPal accounts are historically RESTRICTED to send-only — a ZW merchant generally CANNOT receive/withdraw PayPal funds without an entity in a supported country. Verify merchant receive capability before going live; sandbox testing works fine regardless. Two-step flow: create order → buyer approves (redirect) ... | [
"https://developer.paypal.com/docs/api/orders/v2/",
"https://developer.paypal.com/api/rest/authentication/",
"https://developer.paypal.com/api/rest/webhooks/rest/",
"https://developer.paypal.com/api/rest/reference/idempotency/",
"https://developer.paypal.com/docs/api/payments/v2/"
] | {
"verified": true,
"verified_notes": "OAuth token + Orders v2 create-order verified live against the sandbox (real order id + approve URL).",
"unverified_fields": [
"exact supported-currency count",
"current ZW receive-capability status",
"webhook offline-signature verification against a real event"
... | null | null | null |
paystack | Paystack | [
"Paystack Payments",
"Paystack Checkout"
] | https://paystack.com | https://paystack.com/docs/api | african-aggregator | [
"Pan-African"
] | [
"NG",
"GH",
"ZA",
"KE",
"CI"
] | [
"NGN",
"GHS",
"ZAR",
"KES",
"USD"
] | [
"card",
"bank_transfer",
"ussd",
"mobile_money",
"bank",
"qr",
"eft"
] | {
"model": "bearer-secret-key",
"key_types": [
"sk_test_",
"sk_live_",
"pk_test_",
"pk_live_"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "redirect",
"endpoint": "POST https://api.paystack.co/transaction/initialize",
"http_method": "POST",
"required_params": [
"email",
"amount"
],
"returns": [
"authorization_url",
"access_code",
"reference"
],
"amount_unit": "minor-subunit"
} | {
"mechanisms": [
"webhook",
"poll",
"redirect-return"
],
"webhook_verification": "Header 'x-paystack-signature'; HMAC-SHA512 of the RAW request body using the merchant SECRET KEY (sk_); no separate webhook secret; RAW bytes required; ack 200 fast (Paystack retries up to 72h)",
"raw_status_values": ... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": false,
"refund": true,
"recurring": true
} | [
{
"key": "secretKey",
"label": "Secret Key (sk_)",
"secret": true,
"note": "server-side auth for all API calls AND the HMAC key used to verify webhooks"
},
{
"key": "publicKey",
"label": "Public Key (pk_)",
"secret": false,
"note": "optional — only for Paystack Inline / Popup on ... | {
"test_credentials": {
"note": "Instant test keys on signup from dashboard → Settings → API Keys & Webhooks, no KYC. KYC only required to activate live mode."
},
"test_cards": [
{
"number": "4084084084084081",
"cvv": "408",
"result": "success"
},
{
"number": "4084080000005... | [
{
"problem": "100x over/undercharge",
"cause": "amount must be sent in SUBUNITS (kobo/pesewas/cents) but merchants send major units — NGN 100 sent as 100 instead of 10000",
"mitigation": "Expose major units in the ManishaPay API and multiply by 100 to an integer internally; validate the result is a posi... | {
"node": "@paystack/paystack-sdk",
"php": "yabacon/paystack-php",
"rest_direct_ok": true
} | Zimbabwe is NOT a supported Paystack merchant country — only NG, GH, ZA, KE and CI can register as merchants. It is a regional (not ZW-local) rail useful for ManishaPay merchants operating in those markets or charging in USD. Recurring is supported via charge_authorization (reuse the authorization_code from a verify re... | [
"https://paystack.com/docs/api",
"https://paystack.com/docs/payments/accept-payments",
"https://paystack.com/docs/payments/verify-payments",
"https://paystack.com/docs/payments/webhooks",
"https://paystack.com/docs/payments/refunds",
"https://paystack.com/docs/payments/multicurrency"
] | {
"verified": true,
"unverified_fields": [
"exact set of enabled currencies varies per merchant account",
"full list of raw refund/dispute status strings"
],
"last_updated": "2026-07-18"
} | null | null | null |
pesepay | Pesepay | [
"PesePay",
"Pesepay Payments Engine"
] | https://pesepay.com | https://developers.pesepay.com | zim-aggregator | [
"Zimbabwe"
] | [
"ZW"
] | [
"USD",
"ZWL"
] | [
"ecocash",
"onemoney",
"innbucks",
"zimswitch",
"card"
] | {
"model": "aes-encrypted",
"key_types": [
"integrationKey",
"encryptionKey"
],
"sandbox_instant": false,
"kyc_required_for_live": true
} | {
"flow": "redirect",
"endpoint": "POST https://api.pesepay.com/api/payments-engine/v1/payments/initiate",
"http_method": "POST",
"required_params": [
"amountDetails.amount",
"amountDetails.currencyCode",
"reasonForPayment",
"resultUrl",
"returnUrl"
],
"returns": [
"referenceNumber",... | {
"mechanisms": [
"webhook",
"poll",
"redirect-return"
],
"webhook_verification": "resultUrl callback is only a 'go poll now' trigger — the body is NOT trusted. Re-verify server-side via GET /v1/payments/check-payment?referenceNumber= and decrypt the { payload } response.",
"raw_status_values": [
... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": true,
"refund": false,
"recurring": false
} | [
{
"key": "integrationKey",
"label": "Integration Key",
"secret": true,
"note": "Sent as an HTTP header on every call. NOTE: SDKs disagree on the header name ('authorization' vs 'key'); the value is the raw key, NOT a Bearer token."
},
{
"key": "encryptionKey",
"label": "Encryption Key",
... | {
"test_credentials": {
"note": "Sandbox is documented but no official test MSISDNs were found — obtain them from Pesepay support. Sandbox host is UNVERIFIED; ManishaPay falls back to the live base until confirmed."
},
"test_cards": [],
"notes": "Use the ManishaPay simulator for local end-to-end testing unt... | [
{
"problem": "All requests/responses fail to decrypt or are rejected outright",
"cause": "Wrong AES parameters — devs use a random IV or prepend the IV, instead of using the first 16 chars of the Encryption Key as a fixed IV",
"mitigation": "IV = key.subarray(0,16); AES-CBC + PKCS7 + base64; wrap/unwrap... | {
"node": "pesepay-js (community, unofficial)",
"php": "codevirtus/pesepay (community)",
"rest_direct_ok": true
} | Zimbabwean aggregator with faster onboarding than PayNow (registration ~5min, verification ~30-60min). Encryption is the defining integration hazard: AES-256-CBC with a NON-random IV = first 16 chars of the Encryption Key, PKCS7, base64, wrapped as { payload } on request AND response. No public refund or recurring API ... | [
"https://developers.pesepay.com",
"https://pesepay.com",
"https://github.com/topics/pesepay"
] | {
"verified": false,
"unverified_fields": [
"sandbox host",
"auth header name (authorization vs key)",
"exact payment method code list",
"sandbox test MSISDNs"
],
"last_updated": "2026-07-18"
} | null | null | null |
stripe | Stripe | [
"Stripe Checkout",
"Stripe Payments"
] | https://stripe.com | https://docs.stripe.com/api | global-card | [
"Global"
] | [
"US",
"GB",
"EU",
"ZA",
"global"
] | [
"USD",
"EUR",
"GBP",
"ZAR",
"and 135+ presentment currencies"
] | [
"card",
"apple_pay",
"google_pay",
"link",
"bank_debit",
"bnpl"
] | {
"model": "bearer-secret-key",
"key_types": [
"sk_test_",
"sk_live_",
"pk_test_",
"pk_live_",
"rk_",
"whsec_"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "redirect",
"endpoint": "POST https://api.stripe.com/v1/checkout/sessions",
"http_method": "POST",
"required_params": [
"mode",
"line_items",
"success_url"
],
"returns": [
"id",
"url",
"payment_status",
"status"
],
"amount_unit": "minor-subunit"
} | {
"mechanisms": [
"webhook",
"poll"
],
"webhook_verification": "Header 'Stripe-Signature: t=..,v1=..'; HMAC-SHA256 over '{t}.'+rawBody vs whsec_; 300s tolerance; RAW body required",
"raw_status_values": [
"paid",
"unpaid",
"no_payment_required",
"succeeded",
"processing",
"requir... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": false,
"refund": true,
"recurring": true
} | [
{
"key": "secretKey",
"label": "Secret Key (sk_)",
"secret": true,
"note": "server-side auth for all calls"
},
{
"key": "webhookSecret",
"label": "Webhook Signing Secret (whsec_)",
"secret": true,
"note": "needed to verify inbound events"
}
] | {
"test_credentials": {
"note": "test keys instant from dashboard.stripe.com/test/apikeys, no KYC"
},
"test_cards": [
{
"number": "4242424242424242",
"result": "success"
},
{
"number": "4000000000000002",
"result": "generic_decline"
},
{
"number": "40000000000... | [
{
"problem": "Webhook signature verification fails",
"cause": "JSON body-parser mutates the raw body before HMAC",
"mitigation": "Verify against the raw request bytes, before any JSON parser; dedicate a raw-body route",
"severity": "critical",
"source": "https://docs.stripe.com/webhooks/signatur... | {
"node": "stripe",
"php": "stripe/stripe-php",
"rest_direct_ok": true
} | Zimbabwe is NOT a supported Stripe merchant country for live payouts — a ZW merchant needs an entity in a supported country. Sandbox testing works fine. | [
"https://docs.stripe.com/api/checkout/sessions",
"https://docs.stripe.com/webhooks/signature",
"https://docs.stripe.com/currencies",
"https://docs.stripe.com/testing"
] | {
"verified": true,
"unverified_fields": [
"exact supported-country count"
],
"last_updated": "2026-07-18"
} | null | null | null |
yoco | Yoco | [
"Yoco Online",
"Yoco Checkout",
"Yoco Payment Gateway"
] | https://www.yoco.com | https://developer.yoco.com/online/api-reference | sa-gateway | [
"South Africa"
] | [
"ZA"
] | [
"ZAR"
] | [
"card"
] | {
"model": "bearer-secret-key",
"key_types": [
"sk_test_",
"sk_live_",
"pk_test_",
"pk_live_",
"whsec_"
],
"sandbox_instant": true,
"kyc_required_for_live": true
} | {
"flow": "redirect",
"endpoint": "POST https://payments.yoco.com/api/checkouts",
"http_method": "POST",
"required_params": [
"amount",
"currency"
],
"returns": [
"id",
"redirectUrl",
"status"
],
"amount_unit": "minor-subunit"
} | {
"mechanisms": [
"webhook",
"poll",
"redirect-return"
],
"webhook_verification": "Svix scheme. Headers 'webhook-id', 'webhook-timestamp', 'webhook-signature'. Strip 'whsec_' prefix, base64-decode the secret, HMAC-SHA256 over '{webhook-id}.{webhook-timestamp}.{rawBody}', base64-compare; signature head... | {
"redirect": true,
"poll": true,
"webhook": true,
"mobile_push": false,
"refund": true,
"recurring": false
} | [
{
"key": "secretKey",
"label": "Secret Key (sk_)",
"secret": true,
"note": "server-side auth for all Checkout API calls; sk_test_ vs sk_live_ selects the mode (single host)"
},
{
"key": "webhookSecret",
"label": "Webhook Signing Secret (whsec_)",
"secret": true,
"note": "returned... | {
"test_credentials": {
"note": "test keys are instant from the Yoco dashboard (Sell Online -> Payment Gateway -> API keys), no KYC; live keys require KYC"
},
"test_cards": [
{
"number": "4111111111111111",
"result": "success"
},
{
"number": "5105105105105100",
"result": "d... | [
{
"problem": "100x over/undercharge",
"cause": "amount sent in Rand instead of cents (Yoco expects minor subunits)",
"mitigation": "Single major-unit amount in the ManishaPay API; convert to integer cents internally (× 100) and guard the R2.00 minimum before the call",
"severity": "high",
"sourc... | {
"node": "none — REST-direct",
"php": "yoco/yoco-php (light, unofficial)",
"rest_direct_ok": true
} | South Africa only, ZAR only, card only (all 3DS-backed), minimum charge R2.00. No EFT, no recurring, no disputes API. Single host payments.yoco.com — TEST vs LIVE is decided by the sk_test_/sk_live_ key prefix. Webhook secret (whsec_) is issued once on POST /api/webhooks registration and captured by ManishaPay, not sup... | [
"https://developer.yoco.com/online/api-reference",
"https://developer.yoco.com/online/api-reference/checkout",
"https://developer.yoco.com/online/resources/webhooks",
"https://developer.yoco.com/online/resources/testing",
"https://docs.svix.com/receiving/verifying-payloads/how-manual"
] | {
"verified": true,
"unverified_fields": [
"exact checkout raw_status_values enum",
"public-key (pk_) usage in server flow"
],
"last_updated": "2026-07-18"
} | null | null | null |
Noby Payments Knowledge Base — v1.0 (dataset)
An open, structured, machine-readable knowledge base of online payment gateways — how you integrate them, what they support, and the recurring developer pain points for each (and how to avoid them). Africa-inclusive: covers Zimbabwean, pan-African, South African, East-African and global gateways in one consistent schema.
Curated and maintained by Noby Tebulo as part of the ManishaPay project — the same data powers ManishaPay's gateway orchestration engine.
Status: v1.0 (2026-07). 11 gateways.
Why this exists
Payment-integration knowledge is scattered across dozens of official docs, forum threads, GitHub issues and blog posts — and almost none of it is structured or Africa-inclusive. This dataset distills it into one consistent, queryable schema, so developers (and AI assistants) can answer "how do I integrate gateway X, and what will bite me?" from a single source.
What's in it
Per gateway (gateways/<id>.json, validated against schema.json):
- Identity — regions, countries, currencies, payment methods
- Auth model + how to get sandbox credentials (instant vs KYC)
- Initiate-payment flow — endpoint, params, what it returns, amount unit
- Status — webhook/poll mechanics, signature verification, and a raw→canonical status map
(
paid | pending | failed | disputed | refunded) - Capabilities — redirect / poll / webhook / mobile-push / refund / recurring
- Credentials a merchant must supply
- Sandbox test cards / numbers
- Pain points — the recurring problems devs hit, their cause, and the mitigation (with sources)
- Official SDKs
- Sources + verification flags (
verified,unverified_fields,last_updated)
verification.verified means the record's documentation was cross-checked for accuracy, not that the gateway is live in ManishaPay — so a "coming soon" gateway (e.g. Yoco) can carry verified: true without any contradiction.
Gateways in v1.0
PayNow (🇿🇼) · Pesepay (🇿🇼) · Flutterwave (🌍) · Paystack (🌍) · Stripe (🌐) · PayPal (🌐) · PayFast (🇿🇦) · Yoco (🇿🇦) · Ozow (🇿🇦) · M-Pesa/Daraja (🇰🇪) · DPO Pay (🌍)
Formats (build outputs)
The dist/ outputs are already built from the canonical gateways/*.json sources:
gateways/*.json— canonical, one file per gateway (source of truth).dist/noby-payments-v1.json— single merged array.dist/noby-payments-v1.jsonl— one record per line (ML / Hugging Face friendly).dist/pain-points.csv— flattened problem→mitigation rows.dist/methods-matrix.csv— methods × gateways grid.dist/qa.jsonl— (future) instruction / Q&A pairs derived from the KB, for RAG or fine-tuning.
The AI layer (roadmap, built ON this dataset)
v1.0 is the dataset. On top of it we can build:
- RAG assistant ("PayBot") — answers integration questions grounded in these records. Pragmatic, no training.
- Fine-tuning set — the
qa.jsonlsplit turns records into instruction pairs for a small tuned model.
The dataset is designed so both are a straight consumption of the same files — no re-collection.
License
CC BY 4.0 — free to use with attribution to "Noby Payments Knowledge Base, Noby Tebulo".
⚠️ Disclaimer
Not official documentation and not affiliated with or endorsed by any listed provider. Gateway
names/marks belong to their owners and are referenced factually. APIs change — always verify
against the provider's official docs before production use. Fields not cross-checked against
official docs are listed in each record's verification.unverified_fields. Contains no secrets or
credentials.
Provenance
Compiled 2026-07 from each provider's official developer documentation plus the developer community
(GitHub issues, StackOverflow, forums, technical blogs). Every record lists its sources.
Publishing homes (planned)
- GitHub — canonical repo (issues/PRs for corrections).
- Hugging Face Datasets — loadable via
datasets, dataset viewer, and the natural home for the AI layer. - Kaggle — reach.
Maintenance
Versioned (v1.0, v1.1, …). Each record carries last_updated; corrections via PR. As a provider
changes its API, its record (and ManishaPay's live behaviour) update together.
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