Payment orchestration for Africa

One API. One integration.
Multiple countries.

DeltraPay is a payments switch. One integration unlocks mobile money, bank transfers and wallets across ten African markets — routed intelligently across providers, reconciled against a real double-entry ledger, and settled in the currency your customer actually paid.

Get API keys Read the API
Markets live
10
Currencies
10
Payment rails
17
Integrations you write
1
POST /v1/payins 
curl https://api.deltrapay.com/v1/payins \
  -H "X-API-Key: dp_live_…" \
  -H "Idempotency-Key: 8f14e45f" \
  -d '{
    "amount":     "100.00",
    "currency":   "GHS",
    "country":    "GH",
    "method":     "mobile_money",
    "operator":   "MTN",
    "phone":      "233551234567",
    "externalId": "order-2026-0007"
  }'

The network

Every rail your customer
already uses.

Mobile money and bank transfer — Lagos to Nairobi, Accra to Cairo. You integrate DeltraPay once; the rails behind it are ours to add, maintain and route between.

16 of the rails we route to today

The money moved. Proving it cost you three days.

A different provider per country. A different payload per operator. Naira has two decimal places, the CFA franc has none. One provider goes down on a Friday and you find out from your customers.

DeltraPay puts a switch in front of all of it. Country, currency and payment instrument are data you send — never a new endpoint you integrate.

How it works

One request in. A provable number out.

You send one corridor. The switch picks the provider, watches it, and covers for it — without you shipping anything.

Your server POST /v1/payins

GHS · GH · mobile_money · MTN

DeltraPay switch
  • Validate corridor against reference data
  • Score providers — cost, success rate, priority
  • Reserve idempotency key
  • Write the pending journal entry
Provider A selected
Provider B failover
Provider C standby
  1. 01

    Send the corridor, not an endpoint

    Amount, currency, country, method and operator travel in one request body. Adding Cameroon is not a new integration — it's two letters in a field you already send.

  2. 02

    The switch picks and fails over

    Providers are scored on cost, success rate and priority before the money leaves. When the chosen one stalls mid-Friday, the next takes the payment. You ship nothing.

  3. 03

    The ledger posts what settled

    Not what was requested. Under-pay a bank transfer and DeltraPay re-queries the provider, posts the settled amount, and flags the variance instead of crediting you wrongly.

  4. 04

    A crash can't lose a callback

    Callbacks are enqueued inside the same transaction that completes the payment, then retried with backoff into a dead-letter queue. Delivery survives a dead process.

Coverage

Ten markets live.
The next one is a country code.

Every corridor is reference data in the switch — currencies carry their own decimal exponent, so the CFA franc is never accidentally multiplied by 100. Opening the next market is a data change, not a release.

Tanzania: M-Pesa · Tigo Pesa · Airtel Money W. Sahara DR Congo — on the roadmap Somalia Kenya: M-Pesa · Airtel Money · Equitel Sudan Chad South Africa: Bank Transfer · Capitec Pay Lesotho Zimbabwe Botswana — on the roadmap Namibia Senegal: Orange Money · Wave · Free Money Mali Mauritania Benin — on the roadmap Niger Nigeria: Bank Transfer · OPay · PalmPay Cameroon: MTN MoMo · Orange Money Togo Ghana: MTN MoMo · Telecel Cash · AirtelTigo · Bank Transfer Ivory Coast: MTN MoMo · Moov Money · Orange Money · Wave Guinea Guinea-Bissau Liberia Sierra Leone Burkina Faso Central African Rep. Congo Gabon Eq. Guinea Zambia — on the roadmap Malawi Mozambique — on the roadmap eSwatini Angola Burundi Madagascar Gambia Tunisia Algeria Eritrea Morocco — on the roadmap Egypt: Vodafone Cash · Orange Money · Etisalat Cash Libya Ethiopia — on the roadmap Djibouti Uganda: MTN MoMo · Airtel Money Rwanda — on the roadmap S. Sudan Nigeria: Bank Transfer · OPay · PalmPay Ghana: MTN MoMo · Telecel Cash · AirtelTigo · Bank Transfer Ivory Coast: MTN MoMo · Moov Money · Orange Money · Wave Senegal: Orange Money · Wave · Free Money Cameroon: MTN MoMo · Orange Money Egypt: Vodafone Cash · Orange Money · Etisalat Cash Kenya: M-Pesa · Airtel Money · Equitel Uganda: MTN MoMo · Airtel Money Tanzania: M-Pesa · Tigo Pesa · Airtel Money South Africa: Bank Transfer · Capitec Pay
10 markets live

Ten markets live, routing real money today. Hover a market — or a pin on the map — to see the rails we collect on there.

  • Nigeria NGN Bank Transfer · OPay · PalmPay
  • Ghana GHS MTN MoMo · Telecel Cash · AirtelTigo · Bank Transfer
  • Kenya KES M-Pesa · Airtel Money · Equitel
  • South Africa ZAR Bank Transfer · Capitec Pay
  • Egypt EGP Vodafone Cash · Orange Money · Etisalat Cash
  • Tanzania TZS M-Pesa · Tigo Pesa · Airtel Money
  • Uganda UGX MTN MoMo · Airtel Money
  • Cameroon XAF MTN MoMo · Orange Money
  • Ivory Coast XOF MTN MoMo · Moov Money · Orange Money · Wave
  • Senegal XOF Orange Money · Wave · Free Money
Next up
  • Rwanda
  • Zambia
  • Ethiopia
  • Morocco
  • DR Congo
  • Botswana
  • Mozambique
  • Benin

Developers

Built to be integrated once.

Standard REST, plural nouns, real verbs, OpenAPI 3.0 — and a contract that does not change shape when you add a market. Integrate once; expand by configuration.

201 Created 
{
  "data": {
    "id":          10427,
    "orderId":     "DP-3F9A2C8E",
    "externalId":  "order-2026-0007",
    "type":        "payin",
    "status":      "pending",
    "country":     "GH",
    "currency":    "GHS",
    "method":      "mobile_money",
    "operator":    "MTN",
    "amount":      "100.00",
    "amountMinor": 10000,
    "fee":         "2.00",
    "net":         "98.00",
    "nextAction": {
      "type":         "authorize_on_device",
      "instructions": "Approve the prompt on your handset."
    },
    "createdAt":   "2026-08-02T10:14:22Z"
  }
}
API Docs Soon

  • Exactly-once collection, guaranteed

    Retries are safe by construction. The same Idempotency-Key — or your own externalId — returns the original transaction and its stored response. A network timeout never becomes a duplicate charge or a duplicate settlement.

  • Accurate to the minor unit

    Amounts are held in minor units against each currency's ISO 4217 exponent, resolved from reference data. Zero-decimal currencies like XOF and UGX are handled natively — no rounding drift, no reconciliation breaks.

  • Guaranteed notification delivery

    Notifications are enqueued in the same database transaction that finalises the payment, then retried with exponential backoff until you acknowledge. Provider webhooks are HMAC-verified and independently re-queried before anything is posted to the ledger.

  • Certify once, promote to production

    Sandbox and production share the same endpoints, schema and semantics — only the key prefix changes. Certify your integration once, then go live with a credential swap instead of a rewrite.

Platform

The money is right. We can prove it.

Anyone can forward a request to a provider. Staying right about the money afterwards is the part that keeps merchants.

Books that can't drift

A real chart of accounts, with append-only journal lines that balance in every currency. Fees and margin post as explicit legs. Month-end stops being an argument.

Reroute at 2am, no deploy

Route by priority, weight, least cost or success rate, per corridor, from the back office. Reorder providers at 2am and the next transaction follows it.

Your merchants stop emailing you

A merchant portal your customers log into themselves — live transactions, balances, statements and CSV exports, straight off the ledger. Fewer tickets, faster answers.

No payment stays stuck

Workers re-check every in-flight transaction against the provider, around the clock. A dropped webhook becomes a resolved payment instead of a mystery.

Built to pass a security review

Scoped API keys, server-issued roles, HMAC-verified provider webhooks and row-level locking on every ledger write. The answers are ready before your compliance team asks.

Launch a country in a day

No new endpoint, no new SDK, no release train. Send a different country code and you are collecting in a new market — the integration you already shipped keeps working.

Start with one corridor.
Add the rest with ease.

Get sandbox keys, run a real test collection end-to-end, and watch the ledger entry it produces. Your second market is a country code — not another project.

Get API keys Get started

Sandbox keys are free. You only pay for collections that succeed.