Introducing: The Payment Bridge

Bridge Your Business to Africa's Pulse

Connect your code to Multiple African payment methods through one elegant API bridge
Secure webhooks, retry-safe processing, and complete audit trails built-in
One Bridge, All Networks
Bank-Grade Security
Built to Scale

The Payment Bridge

Transaction Flow

Live
Your Business
Customer
From Business
STK Push Request
Secured Instant
To Customer
KES 1,250
+254 7XX XXX XXX Verified
Bridge Notification
Webhook delivered instantly
NOW
payment.succeeded Signed
Amount: KES 1,250
Reference: INV-2024-001
Status: Completed
Build Your Payment Bridge

No credit card required • Start processing in minutes

WHY CHOOSE US

Built for the future of African commerce

Optimized for mobile money, reliable delivery, and operational clarity that scales with your business.

STK Prompt • USSD Fallback

STK Push & USSD

Customers pay via STK prompt or USSD. Simple, fast, familiar payment experience.

Instant setup 99.9% uptime ~3s payments
See payment flow
Signed • Encrypted • Verified

Bank-level security

Multi-layered protection with animated padlocks, real-time verification, and end-to-end encryption.

Real-time locking 256-bit encryption Multi-factor security
View security details
Pan-African Network

Pan-African reach

Support multiple mobile money rails and currencies as you expand across Africa with full Google Maps-style visibility.

Multiple countries Multiple currencies Real-time tracking
View live coverage map
Instant confirmations

Instant confirmations

Get confirmation events fast, with retry-safe delivery and comprehensive logs.

< 2 seconds Auto-retry 99.9% reliability
Learn more
Developer First

Developer friendly

Clean APIs, predictable errors, and patterns teams can maintain long-term.

Full documentation SDKs available TypeScript support
View documentation
Live analytics

Operational analytics

Track outcomes and performance with real-time dashboards and exportable reports.

Real-time dashboards Export reports Custom metrics
Explore dashboard

Trusted by 5,000+ businesses across Africa

Join the leading payment platform designed for African businesses

THREE-STEP FLOW

Build in minutes,
scale in seconds

Our streamlined integration process gets you from zero to processing payments in under 10 minutes.

Ready to start?

Get your API keys instantly and start testing in our sandbox environment.

Get free API keys

No credit card required • Free testing environment

01

Get Your Keys

Sign up and instantly generate your API keys. Configure webhooks in dashboard.

  • Instant generation
  • Role-based access
  • Webhook config
2 minutes
Step 01
02

Initiate Payments

Trigger STK push or USSD flows. Built-in idempotency ensures safe retries.

  • STK Push
  • USSD flows
  • Idempotent requests
3 minutes
Step 02
03

Receive Webhooks

Get cryptographically signed events with delivery logs for audit trails.

  • Signed payloads
  • Delivery logs
  • Real-time events
1 minute
Step 03
Complete integration timeline
≈ Few minutes total setup time
DEVELOPERS Clean APIs. Predictable events.

Built for developers , loved by teams

Create payment requests with idempotency keys and receive signed webhooks with delivery logs. Built for teams that want reliability and clarity.

Authentication
Bearer API Keys

Simple, secure authentication that just works

Safety First
Idempotency

Safe retries without duplicate transactions

Delivery
Signed Webhooks

Cryptographically verified event delivery

< 5min
First payment
99.9%
API uptime
24/7
Dev support
Create STK Payment
Example request with idempotency
cURL
# Payment request with automatic retry safety
curl -X POST "https://pay.spotnet.co.ke/api/v1/payment-requests" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Idempotency-Key: idem_p8RS09IFGfzBR8ti7aDQDEdk" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "stk_push",
    "amount": "1250",
    "currency": "KES",
    "phone": "+2547XXXXXXXX",
    "reference": "INV-2026-0001",
    "description": "Payment for services",
    "callback_url": "https://yourapp.com/callback-link",
    "meta": {
      "order_id": "ord_456",
      "customer_id": "cust_123"
    }
  }'
Signed webhooks Idempotent Audit logs
Production-ready code for all languages
All examples include best practices for security, reliability, and error handling.

Ready to go live?

Create your account and start integrating. Fast onboarding, secure delivery, clean logs.

No credit card required • 14-day free trial • Cancel anytime