AfriRoute Payments Platform

Accept Payments Across Africa with One API

Process mobile money payments, send payouts, manage billing, and handle invoicing with AfriRoute's unified payments platform.

🎯 What is AfriRoute Payments?

AfriRoute Payments enables businesses to:

Accept Mobile Money - Telebirr, M-Pesa, MTN MoMo, Airtel Money, Orange Money
Send Payouts - Disburse funds to merchants, gig workers, suppliers
Usage Billing - Track API usage and generate invoices automatically
Wallet System - Pre-funded wallets with real-time balance tracking
Fraud Prevention - AI-powered fraud detection and risk scoring

💳 Supported Payment Methods

Provider	Countries	Type
Telebirr	Ethiopia	Mobile Money
M-Pesa	Kenya, Tanzania	Mobile Money
MTN Mobile Money	Ghana, Nigeria, Uganda, Rwanda, Zambia	Mobile Money
Airtel Money	Kenya, Tanzania, Uganda, Zambia	Mobile Money
Orange Money	Côte d'Ivoire, Senegal, Mali	Mobile Money
Visa/Mastercard	Pan-Africa	Card Payment

View complete coverage →

🚀 Quick Start

Accept a Mobile Money Payment

Node.js - Initiate Payment
const axios = require('axios');

const payment = await axios.post('https://api.afriroute.ai/api/v1/payments/mobile/initiate', {
  amount: 500,
  currency: 'ETB',
  phone_number: '+251911234567',
  provider: 'telebirr',
  description: 'Order #12345 payment',
  customer_email: '[email protected]',
  callback_url: 'https://yourapp.com/payment/callback',
  metadata: {
    order_id: '12345',
    customer_id: 'CUST_789'
  }
}, {
  headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
});

console.log(payment.data);
// Response:
// {
//   "payment_id": "pay_abc123xyz",
//   "status": "pending",
//   "amount": 500,
//   "currency": "ETB",
//   "provider": "telebirr",
//   "created_at": "2025-12-10T14:30:00Z",
//   "expires_at": "2025-12-10T14:35:00Z"
// }

Python - Initiate Payment
import requests

response = requests.post('https://api.afriroute.ai/api/v1/payments/mobile/initiate',
    json={
        'amount': 500,
        'currency': 'ETB',
        'phone_number': '+251911234567',
        'provider': 'telebirr',
        'description': 'Order #12345 payment',
        'customer_email': '[email protected]',
        'callback_url': 'https://yourapp.com/payment/callback',
        'metadata': {
            'order_id': '12345',
            'customer_id': 'CUST_789'
        }
    },
    headers={'Authorization': 'Bearer $AFRIROUTE_API_KEY'}
)

print(response.json())

C# - Initiate Payment
using System.Net.Http;
using System.Text;
using System.Text.Json;

var client = new HttpClient();
client.DefaultRequestHeaders.Add("Authorization", "Bearer $AFRIROUTE_API_KEY");

var payload = new
{
    amount = 500,
    currency = "ETB",
    phone_number = "+251911234567",
    provider = "telebirr",
    description = "Order #12345 payment",
    customer_email = "[email protected]",
    callback_url = "https://yourapp.com/payment/callback",
    metadata = new { order_id = "12345", customer_id = "CUST_789" }
};

var content = new StringContent(
    JsonSerializer.Serialize(payload),
    Encoding.UTF8,
    "application/json"
);

var response = await client.PostAsync(
    "https://api.afriroute.ai/api/v1/payments/mobile/initiate",
    content
);

Go - Initiate Payment
package main

import (
    "bytes"
    "encoding/json"
    "net/http"
)

type Payment struct {
    Amount        int                    `json:"amount"`
    Currency      string                 `json:"currency"`
    PhoneNumber   string                 `json:"phone_number"`
    Provider      string                 `json:"provider"`
    Description   string                 `json:"description"`
    CustomerEmail string                 `json:"customer_email"`
    CallbackURL   string                 `json:"callback_url"`
    Metadata      map[string]interface{} `json:"metadata"`
}

func main() {
    payment := Payment{
        Amount:        500,
        Currency:      "ETB",
        PhoneNumber:   "+251911234567",
        Provider:      "telebirr",
        Description:   "Order #12345 payment",
        CustomerEmail: "[email protected]",
        CallbackURL:   "https://yourapp.com/payment/callback",
        Metadata: map[string]interface{}{
            "order_id":    "12345",
            "customer_id": "CUST_789",
        },
    }

    jsonData, _ := json.Marshal(payment)
    req, _ := http.NewRequest("POST", "https://api.afriroute.ai/api/v1/payments/mobile/initiate", bytes.NewBuffer(jsonData))
    req.Header.Set("Authorization", "Bearer $AFRIROUTE_API_KEY")
    req.Header.Set("Content-Type", "application/json")

    client := &http.Client{}
    resp, _ := client.Do(req)
    defer resp.Body.Close()
}

Check Payment Status

Get Payment Status
const status = await axios.get(
  'https://api.afriroute.ai/api/v1/payments/mobile/pay_abc123xyz',
  {
    headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
  }
);

console.log(status.data);
// Response:
// {
//   "payment_id": "pay_abc123xyz",
//   "status": "completed",
//   "amount": 500,
//   "currency": "ETB",
//   "provider": "telebirr",
//   "provider_reference": "TXN123456789",
//   "completed_at": "2025-12-10T14:31:23Z",
//   "customer": {
//     "phone": "+251911234567",
//     "email": "[email protected]"
//   }
// }

Payment Statuses:

pending - Awaiting customer approval
processing - Payment being processed
completed - Payment successful
failed - Payment declined/failed
cancelled - Payment cancelled
expired - Payment link expired

Handle Payment Webhooks

AfriRoute sends webhooks for all payment events:

Webhook Handler (Express.js)
const express = require('express');
const crypto = require('crypto');

const app = express();
app.use(express.json());

app.post('/payment/callback', (req, res) => {
  // Verify webhook signature
  const signature = req.headers['x-afriroute-signature'];
  const payload = JSON.stringify(req.body);
  const secret = 'your_webhook_secret';

  const hash = crypto
    .createHmac('sha256', secret)
    .update(payload)
    .digest('hex');

  if (hash !== signature) {
    return res.status(401).send('Invalid signature');
  }

  // Process payment event
  const { event, data } = req.body;

  if (event === 'payment.completed') {
    console.log(`Payment ${data.payment_id} completed!`);
    // Update order status
    // Send confirmation email
    // Release product/service
  } else if (event === 'payment.failed') {
    console.log(`Payment ${data.payment_id} failed: ${data.failure_reason}`);
    // Notify customer
    // Log failure
  }

  res.status(200).send('OK');
});

app.listen(3000);

💸 Payouts (Disbursements)

Send money to merchants, gig workers, or suppliers:

Send Payout
const payout = await axios.post('https://api.afriroute.ai/api/v1/payments/payout', {
  amount: 1000,
  currency: 'ETB',
  phone_number: '+251911234567',
  provider: 'telebirr',
  reason: 'Gig payment for delivery #45678',
  reference: 'PAYOUT_45678',
  metadata: {
    driver_id: 'DRV_123',
    delivery_id: '45678'
  }
}, {
  headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
});

// Response
{
  "payout_id": "out_xyz789",
  "status": "processing",
  "amount": 1000,
  "currency": "ETB",
  "recipient": "+251911234567",
  "estimated_arrival": "2025-12-10T15:00:00Z"
}

Payout Use Cases:

Gig worker payments
Merchant disbursements
Refunds
Salaries
Commissions
Supplier payments

Bulk Payouts

Process multiple payouts in one request:

Bulk Payouts
const bulkPayout = await axios.post('https://api.afriroute.ai/api/v1/payments/payout/bulk', {
  payouts: [
    {
      amount: 500,
      currency: 'ETB',
      phone_number: '+251911111111',
      provider: 'telebirr',
      reference: 'DRIVER_001'
    },
    {
      amount: 750,
      currency: 'ETB',
      phone_number: '+251922222222',
      provider: 'telebirr',
      reference: 'DRIVER_002'
    },
    {
      amount: 600,
      currency: 'ETB',
      phone_number: '+251933333333',
      provider: 'telebirr',
      reference: 'DRIVER_003'
    }
  ],
  description: 'Weekly driver payouts'
}, {
  headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
});

// Response
{
  "batch_id": "batch_abc123",
  "total_payouts": 3,
  "total_amount": 1850,
  "currency": "ETB",
  "status": "processing",
  "payouts": [
    { "payout_id": "out_001", "status": "pending" },
    { "payout_id": "out_002", "status": "pending" },
    { "payout_id": "out_003", "status": "pending" }
  ]
}

💰 Wallet System

AfriRoute uses a pre-funded wallet system:

Check Wallet Balance
const balance = await axios.get(
  'https://api.afriroute.ai/api/v1/wallet/balance',
  {
    headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
  }
);

// Response
{
  "balance": 15000.00,
  "currency": "ETB",
  "last_topup": "2025-12-01T10:00:00Z",
  "monthly_spend": 5400.00,
  "low_balance_alert": 5000.00
}

Top-up Wallet
const topup = await axios.post('https://api.afriroute.ai/api/v1/wallet/topup', {
  amount: 10000,
  currency: 'ETB',
  payment_method: 'bank_transfer',
  reference: 'TXN_BANK_123'
}, {
  headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
});

Wallet Features:

Real-time balance tracking
Auto-recharge (optional)
Low balance alerts
Transaction history
Multi-currency support

📊 Transaction History

Get Transactions
const transactions = await axios.get(
  'https://api.afriroute.ai/api/v1/payments/transactions',
  {
    params: {
      start_date: '2025-12-01',
      end_date: '2025-12-10',
      status: 'completed',
      limit: 50
    },
    headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
  }
);

// Response
{
  "total": 234,
  "page": 1,
  "per_page": 50,
  "transactions": [
    {
      "transaction_id": "txn_001",
      "type": "payment",
      "amount": 500,
      "currency": "ETB",
      "status": "completed",
      "provider": "telebirr",
      "created_at": "2025-12-10T14:30:00Z"
    }
  ]
}

🛡️ Fraud Prevention

AfriRoute includes built-in fraud detection:

Get Risk Score
const risk = await axios.post('https://api.afriroute.ai/api/v1/payments/risk-check', {
  phone_number: '+251911234567',
  amount: 5000,
  currency: 'ETB'
}, {
  headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
});

// Response
{
  "risk_score": 23,  // 0-100 (lower is better)
  "risk_level": "low",
  "factors": [
    "New customer",
    "High amount for first transaction"
  ],
  "recommendation": "proceed_with_verification",
  "checks": {
    "phone_verified": true,
    "device_fingerprint": "known",
    "velocity_check": "passed",
    "blacklist_check": "passed"
  }
}

Fraud Prevention Features:

Real-time risk scoring
Device fingerprinting
Velocity checks
Blacklist screening
Geolocation analysis
Behavioral analysis

📈 Billing & Invoicing

Automatic billing for API usage:

Generate Invoice
const invoice = await axios.post('https://api.afriroute.ai/api/v1/billing/invoice/generate', {
  period_start: '2025-12-01',
  period_end: '2025-12-31'
}, {
  headers: { 'Authorization': 'Bearer $AFRIROUTE_API_KEY' }
});

// Response
{
  "invoice_id": "inv_dec_2025",
  "period": "December 2025",
  "line_items": [
    {
      "description": "SMS Messages",
      "quantity": 10000,
      "unit_price": 0.05,
      "total": 500.00
    },
    {
      "description": "Voice Minutes",
      "quantity": 450,
      "unit_price": 0.02,
      "total": 9.00
    },
    {
      "description": "Payment Processing",
      "quantity": 150,
      "unit_price": 0.5,
      "total": 75.00
    }
  ],
  "subtotal": 584.00,
  "tax": 0,
  "total": 584.00,
  "currency": "ETB",
  "due_date": "2026-01-15",
  "pdf_url": "https://invoices.afriroute.ai/inv_dec_2025.pdf"
}

💲 Pricing

Payment Processing Fees

Provider	Fee	Example
Telebirr	2.5%	500 ETB → 12.5 ETB fee
M-Pesa	2.5%	1000 KES → 25 KES fee
MTN MoMo	2.5%	100 GHS → 2.5 GHS fee
Airtel Money	2.5%	1000 UGX → 25 UGX fee

Payout Fees

Region	Fee	Example
Ethiopia	1.5%	1000 ETB → 15 ETB fee
Kenya	1.5%	2000 KES → 30 KES fee
Nigeria	1.5%	5000 NGN → 75 NGN fee

View complete pricing →

🌍 Coverage

Countries with Mobile Money:

Country	Providers
Ethiopia	Telebirr, M-Birr
Kenya	M-Pesa, Airtel Money
Tanzania	M-Pesa, Tigo Pesa, Airtel Money
Uganda	MTN Mobile Money, Airtel Money
Rwanda	MTN Mobile Money, Airtel Money
Ghana	MTN Mobile Money, AirtelTigo Money
Nigeria	MTN MoMo (coming soon)

🚀 Next Steps

Mobile Money Integration - Setup payments
Payouts Guide - Send disbursements
Wallet Management - Manage your balance
API Reference - View all endpoints
Tutorial - Complete integration guide

🆘 Need Help?

API Reference: View payment endpoints
Tutorial: Payment integration guide
Support: [email protected]
Sales: [email protected]

Ready to start accepting payments? Get API keys →

🎯 What is AfriRoute Payments?​

💳 Supported Payment Methods​

🚀 Quick Start​

Accept a Mobile Money Payment​

Check Payment Status​

Handle Payment Webhooks​

💸 Payouts (Disbursements)​

Bulk Payouts​

💰 Wallet System​

📊 Transaction History​

🛡️ Fraud Prevention​

📈 Billing & Invoicing​

💲 Pricing​

Payment Processing Fees​

Payout Fees​

🌍 Coverage​

🚀 Next Steps​

🆘 Need Help?​