SyncWave Pay

Developer-first payment infrastructure for East Africa — accept cards, M-Pesa, bank transfers, USSD and mobile wallets through a single unified API, go live in days and scale to billions of transactions.

Payments Infrastructure for the Real Africa

Not built for Europe and adapted for Africa — built natively for how people pay across East and Central Africa.

Card Payments

Visa, Mastercard and UnionPay acceptance with 3DS2, tokenisation, recurring billing and intelligent retry logic for declined transactions.

Mobile Money

M-Pesa (Safaricom + Vodacom), Airtel Money, MTN MoMo and T-Kash — collection and disbursement via Daraja and direct operator APIs.

Bank Transfers

Real-time Pesalink, RTGS and EFT collection plus bulk disbursements to any Kenyan bank account with automated reconciliation.

Cross-Border & FX

Send and receive across 40+ countries with real-time FX conversion, multi-currency wallets and SWIFT/SEPA rails for global settlement.

99.8%
Payment success rate
<800 ms
Avg transaction time
40+
Countries & currencies
PCI DSS
Level 1 certified
SyncWave Pay · Live Dashboard
24h Volume
KES 142M
Success Rate
99.8%
💳 Card payment — Visa ****4521+KES 12,400
📱 M-Pesa STK Push — 0712****+KES 5,000
🏦 Pesalink transfer settled+KES 85,200
🌍 FX conversion USD → KES+KES 39,750
👛 Wallet top-up — Airtel Money+KES 2,000
Developer API

One API. Every Payment Method.

A single unified API abstracts all the complexity of African payment rails — M-Pesa, cards, banks and wallets — with automatic fallback routing when one channel is slow.

charge.js
1const sw = require('@syncwave/pay'); 2const client = new sw.Client({ 3 apiKey: process.env.SW_PAY_KEY 4}); 5 6// STK Push — triggers M-Pesa prompt on phone 7const charge = await client.charges.create({ 8 amount: 5000, 9 currency: 'KES', 10 method: 'mpesa', 11 phone: '254712345678', 12 ref: 'INV-2026-042' 13}); 14 15console.log(charge.status); // 'pending' 16// webhook fires on completion
  • Smart Routing & Fallback

    Automatically routes transactions through the fastest available channel and falls back to secondary rails if the primary times out — transparent to the end user.

  • PCI DSS Level 1

    Full card-data tokenisation — your servers never touch raw PANs. SyncWave handles all PCI scope so you don't have to.

  • Webhooks & Real-time Events

    Signed webhook payloads on every payment event — charge.completed, refund.created, dispute.raised — with automatic retry on delivery failure.

Every African Payment Method Supported

From feature-phone USSD to contactless cards — if East Africans use it to pay, SyncWave Pay supports it.

M-Pesa (STK Push & C2B)

Safaricom Daraja + Vodacom Tanzania — real-time push and pull

Airtel Money & MTN MoMo

Kenya, Uganda, Rwanda, Tanzania coverage

Visa & Mastercard

3DS2 authentication, tokenisation & recurring billing

Pesalink & EFT

Real-time inter-bank transfers to all KBA member banks

USSD Payments

Offline payment collection for feature phone users

SWIFT & Cross-Border

International wire transfers + real-time FX in 40+ currencies

Go live with payments in days, not months.

Get sandbox access, test credentials and full API documentation instantly — no paperwork required to start building.

Get API Access Explore All Services →