No code
A payment link to share on WhatsApp, by email or on your website. Not a single line of code. Create a link
Accept payments across Africa, with your own gateways
One integration for Orange Money, Wave, MTN MoMo, Moov and card payments. Your PayDunya, PawaPay, Wave Business, Hub2 or Stripe keys (22 gateways), your money in your own accounts, Cartflox handles the rest.
Choose how you want to get paid
Section titled “Choose how you want to get paid”JavaScript widget
Two lines on your page: a button opens the Cartflox payment page on top of your site. Install the widget
SoftPay
Payment inside your own page, in your colors or fully designed by you. Operator, phone number, OTP, tracking: everything stays on your site. Discover SoftPay
WordPress and WooCommerce
The official plugin: install it, paste your key, and your customers pay with Mobile Money. Install the plugin
REST API
Create sessions from your server and receive confirmations through signed webhooks. View the reference
Multi-gateway routing
Route each operator and each country to the gateway of your choice, with automatic failover when one fails. Configure routing
Three things to know
Section titled “Three things to know”Your money never passes through CartfloxEach payment is collected directly on your aggregator accounts. Cartflox takes no commission.
A signed webhook for every paymentHMAC-SHA256 with your secret key, ten attempts over 72 hours, timestamp against replay. The only reliable proof of payment.
Test keys from day oneaf_test_...: same API, simulated payments from the page, webhooks with livemode false, isolated data.