Developer infrastructure for mobile money

Open-source mobile money payment APIs

Build on African mobile money rails with one developer-first API layer for collections, payouts, FX quotes, settlement workflows, stablecoins, x402, and Open Payments-compatible infrastructure.

Deploy free View docs
vafey.api
POST /collections
{
  "rail": "mpesa_mz",
  "amount": 2500,
  "currency": "MZN",
  "phone": "+258•••••••••",
  "reference": "order_1024"
}

200 OK
{
  "status": "pending",
  "webhook": "payment.succeeded",
  "settlement_workflow": "mz_to_zw"
}
M-Pesa Mozambiqueactive
EcoCash Zimbabweactive
Stablecoin settlementready
x402 paymentsready

One API layer. Every payment rail you need.

Vafey exposes mobile money, stablecoin, x402, and Open Payments-compatible workflows through clean APIs developers can self-host or use as managed infrastructure.

Country-by-country connectors

Connect M-Pesa, EcoCash, MTN MoMo, Airtel Money, Orange Money, and additional African mobile money rails.

Collections & payouts

Use one API for payment requests, payouts, transaction status, refunds, webhooks, and failed payment recovery.

Stablecoins, x402 & Open Payments

Extend mobile money workflows into stablecoin settlement, machine payments, and Open Payments-compatible infrastructure.

Self-hosted or managed

Run Vafey on your own infrastructure for free, or use managed hosting, updates, monitoring, and support.

From rail integration to production payments.

Vafey stays as the software layer. You control provider accounts, settlement, FX, compliance, and regulatory obligations.

1

Connect your rails

Configure mobile money, stablecoin, Rafiki, x402, and payment-provider credentials in your environment.

2

Build your payment flows

Create collections, payouts, FX quote, settlement workflow, reconciliation, and webhook logic using Vafey APIs.

3

Deploy and scale

Self-host for full control or use Managed for hosted infrastructure, monitoring, connector updates, and support.

Pricing without transaction fees.

Vafey charges software fees, not payment fees. Self-host for free or pay for managed infrastructure.

Open source

Free

For developers, fintechs, NGOs, startups, and payment companies that want to self-host.

$0
per year · 0% Vafey transaction fee
Deploy Free
  • ✓ Self-hosted deployment
  • ✓ All public connector modules
  • ✓ Collections, payouts, refunds, and webhooks
  • ✓ FX quote and settlement workflow APIs
  • ✓ Stablecoin, x402, and Open Payments-compatible modules
  • ✓ Basic audit logs and reconciliation records
  • ✓ API documentation and community support
Managed

Managed

For teams that want Vafey hosted, monitored, updated, and supported.

$2,400
per year · 0% Vafey transaction fee
Start Managed
  • ✓ Vafey-hosted API infrastructure
  • ✓ Hosted developer dashboard
  • ✓ Managed API keys and webhooks
  • ✓ Automatic connector updates
  • ✓ Production monitoring and health checks
  • ✓ Advanced audit logs and reconciliation dashboard
  • ✓ Failed transaction queue, retries, and reversal workflows
  • ✓ Priority support and onboarding support
✓
No Vafey transaction feesYou pay software fees only. Provider, FX, banking, and network fees remain separate.
✓
You control the money flowYou own your mobile money accounts, credentials, settlement, FX, compliance, and provider relationships.
✓
Open source by defaultDevelopers can build real payment products on Vafey without asking permission.