The Sovereign Payment Switch
We are not a payment gateway. We are an autonomous, high-availability routing switch. By intelligently cascading transactions across multiple aggregators with sub-second failover, FinAPI guarantees zero dropped mobile money payments.
Autonomous Waterfall Failover
Say goodbye to aggregator downtime. FinAPI silently cascades transactions between PayHero, Makamesco, Hashback, Esspay, and direct till endpoints the millisecond an upstream timeout or 504 is detected.
Bulletproof Till Advisory Fallback
If Safaricom's entire STK push gateway suffers an outage, the system seamlessly displays your registered Buy Goods Till Number with instructions, preventing customer abandonment.
Single Standardized API Contract
Stop reading 5 different 80-page gateway PDF specifications. Integrate with FinAPI once and deploy across all existing and future African mobile payment rails with zero code changes.
Origin Security & HMAC Verification
Enforces strict origin-domain locking to prevent key misappropriation. Inbound and outbound webhooks are verified cryptographically via HMAC-SHA256 signatures with idempotent row locking.
How the Switch Orchestrates Dispatches
Single Unified Dispatch
Your application sends one standard JSON payload to /api/stk-push/.
Cascading Routing Engine
FinAPI contacts your highest priority gateway. If latency spikes or an error occurs, it autonomously switches to fallback providers in under 200ms.
Instant HMAC Webhook Delivery
When the customer completes the prompt, a normalized webhook with receipt number is pushed to your server.