Baraka Engineering & IT
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Payments & Fintech

Production-ready

PayFlow Africa

One integration. Every payment rail in Africa.

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Overview

A multi-rail payment gateway that lets merchants accept cards, mobile money, bank transfer, QR and wallets through a single API or hosted checkout.

PayFlow Africa is a payments platform built for the realities of African commerce. A single PaymentIntent core lets merchants accept cards, mobile money, bank transfer, QR and digital wallets — through direct API integration or PayFlow-hosted checkout — while per-client, per-environment policies decide which methods appear where.

Merchant onboarding, settlement, reconciliation, reporting and reliable webhook delivery sit on top of an immutable double-entry ledger. Strict sandbox, pre-live and live isolation, audited admin actions and a PCI-conscious design (card data is never stored) make it dependable for merchants and payment service providers alike.

Key features

  • Unified PaymentIntent core with hosted checkout
  • Cards, mobile money, bank transfer, QR and wallets
  • Immutable double-entry ledger and settlement
  • Reliable webhook delivery and replay
  • Merchant, developer, admin and checkout portals
  • Sandbox / pre-live / live environment isolation

Use cases

01

A merchant accepting mobile money and cards from one checkout

02

A payment service provider orchestrating multiple providers

03

A developer testing payments in an isolated sandbox

Interested in this product?

Request a walkthrough or talk to us about how it fits your organization.

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