Overview

Find additional important documentations below

CARDS DOCUMENTATION---- > HERE

Merchant Manual----->Here

Centiwise is a PCI DSS-certified payment gateway that enables merchant payins (collections) and payouts (disbursements) across 15+ African countries via REST API.

What You Can Do

Capability	Description
Payin/deposits/collection	Accept mobile-money, bank tranfer, and local cards payments from customers
Payout/withdrawal/disbursement	Disburse funds directly to customer wallets , both Mobile wallet and bank accounts
Multi-currency	Unified API across 15+ countries and currencies
Webhooks	synchronous status notifications via server callbacks
Security	OAuth 1.0 with RSA-SHA256 request signing on every call

Supported Countries

Country	Currency	Provider(s)-Purpose Parameters
Kenya	KES	M-PESA AIRTEL
Tanzania	TZS	AIRTEL HALOTEL TIGO VODACOM
Uganda	UGX	MTN AIRTEL
Ghana	GHS	AIRTEL MTN
Nigeria	NGN	EFT / OPay / PalmPay
Zambia	ZMW	AIRTEL MTN ZAMTEL
Rwanda	RWF	MTN AIRTEL
Egypt	EGP	Fawry - (WALLET/CASH)
South Africa	ZAR	EFTS
XOF Zone (BF, CI, SN, GN, BN)	XOF	MOVE,WAVE,ORANGE,MTN,FREEMONEY,OPAY e.t.c

How It Works

Centiwise has two types of Integration:

Server to Server - This is direct API integration. For this we use https://gate.centiwise.com/paynet/api/v2/sale/ENDPOINTID
Redirect - when the user makes a request the user gets redirected to a waiting page. For this we use https://gate.centiwise.com/paynet/api/v2/sale-form/ENDPOINTID

During testing on sandbox the merchant uses the card method flow to integrate and do a test. For APMs testing this is only available on production.

Your Server  ──POST──►  Centiwise API  ──►  Mobile Money / Bank / Wallet
                                │
                         (Load Redirect)
               									│
                         (sync callback)
                                │
Your Callback URL  ◄────────────┘

Your server signs and sends a payin or payout request to Centiwise
Centiwise routes the transaction to the appropriate local provider
A webhook is sent to your server_callback_url when the status changes
You acknowledge the webhook and update your system accordingly

Getting Started