Initiate
A portal, mobile app, POS, kiosk or enterprise system creates the payment or service request.
MonoPay integration platform
One payment connection for many customer journeys.
MonoPay presents a consistent integration layer across mobile wallets, banks, billers and value-added services, reducing duplicated development and fragmented reconciliation.
A common transaction model
Integrate once. Add services with control.
Your application sends a consistent transaction request to MonoPay. The platform applies service and provider rules, routes the transaction, records references and receives provider outcomes. Callbacks return status to the originating system while operational tools support investigation and reconciliation.
Supported journeys can include M-Pesa, EcoCash, MyWallet, C-Pay, banks, electricity, airtime and merchant services, subject to commercial and technical onboarding with each provider.
Validate
MonoPay checks credentials, required fields, provider rules, duplication and request integrity.
Route
The correct provider adapter translates and securely sends the transaction.
Confirm
Status and provider references return through a consistent callback model.
Reconcile
Search, reporting and settlement data support operations and finance.
Consistent integration
Standard requests and responses reduce the effort of maintaining a different implementation for every provider.
Transaction integrity
References, validation, status handling, audit records and retry controls create a traceable transaction lifecycle.
Support visibility
Search and operational views help authorised users investigate pending, failed or disputed transactions.
Extensible services
New providers and value-added services can be introduced behind the common layer with less disruption to consuming systems.
Built for channels
A stable interface for websites, apps, kiosks and enterprise systems.
MonoPay separates the customer channel from provider-specific complexity, helping product teams deliver a coherent experience while operations retain transaction visibility.
POST /v1/transactions
{
"service": "electricity",
"provider": "wallet",
"customer": "+266XXXXXXXX",
"amount": 250.00,
"reference": "ORDER-10482"
}