Connect directly to M-Pesa Mozambique, EcoCash Zimbabwe and MTN MoMo South Africa through one self-hosted API layer. Build collections, payouts and cross-border payment flows while using your own provider accounts, regulated infrastructure and settlement relationships.
POST /transfers { "source": "mpesa_mz", "destination": "ecocash_zw", "source_amount": 2500, "source_currency": "MZN", "recipient": "+263•••••••••", "reference": "transfer_1024" } 202 ACCEPTED { "status": "processing", "quote_id": "qt_8f24", "settlement": "pending", "payout": "queued" }
Vafey gives developers a common software layer for provider integration, transaction orchestration, settlement logic and payment operations without replacing the regulated institutions that hold or move funds.
Create payment requests, initiate disbursements, receive provider callbacks and track transaction status through one API.
Calculate source and destination amounts, apply configured rates and fees, and preserve the quote used for each transfer.
Coordinate collection, treasury, settlement and destination payout steps across your own accounts and regulated partners.
Plug in provider credentials while Vafey handles provider-specific authentication, payloads, callbacks and status mapping.
Manage failed transactions, retry rules, timeouts, reversals and compensation workflows without rebuilding them per provider.
Match collections, settlements and payouts across providers using consistent references, ledgers and transaction records.
Receive normalized events for payment success, failure, expiry, settlement completion, payout and reversal status.
Maintain transaction histories, configuration records, approval rules and operational logs within your own infrastructure.
Vafey is researching all three provider integrations in parallel. We have access to the relevant APIs and are validating how they can operate through one common architecture.
Collections, payouts, authentication, callbacks, transaction status and the role of MZN accounts in cross-border payment flows.
Collections, disbursements, wallet operations and how EcoCash can participate in transfers originating from or terminating in Zimbabwe.
Provider capabilities, account structures, transaction flows and interoperability within a differently regulated payments market.
Use Vafey to connect your own regulated infrastructure to both sides of a payment corridor and coordinate everything required between collection and final payout.
Initiate and confirm payment from the sender through the source mobile money provider.
Calculate the exchange rate, fees, destination amount and quote validity using your own pricing rules.
Trigger and track settlement through your own treasury accounts, banking relationships or regulated settlement partners.
Release the destination payment after the required settlement and operational conditions are satisfied.
Vafey is researching how Open Payments resources can sit above provider-specific mobile money operations while the underlying accounts, compliance controls and settlement infrastructure remain under the operator’s control.
Vafey is free and open source. You provide the provider credentials, regulated accounts, compliance controls, treasury arrangements and settlement partners. Vafey provides the software layer that connects and orchestrates the payment flow.