Move money the way Africa actually pays.
Mobile money, cards, bank transfer, QR and Apple, Google & Samsung Pay — routed through one payment core. Start in Kinshasa today, scale across the region on the same API.
Every way your customers want to pay
Integrate once against Baraka Pay. Each product below runs on the same PaymentIntent — enable per client, by contract. Click any product for its integration guide.
Mobile money
The rail your customers already pay with.
Cards
Visa and Mastercard, without touching card data.
Bank transfer (EFT)
Pay by bank, reconciled automatically.
QR
Scan to pay, in person or on screen.
Apple Pay
One-tap checkout for Apple devices.
Google Pay
Fast checkout across Android and the web.
Samsung Pay
Samsung Wallet checkout, integrated once.
One truth, two front-ends
Drop in hosted checkout or build directly on the API — both run on the same PaymentIntent, so your books never disagree.
Direct API
You own the UI. Baraka Pay returns provider-neutral next actions; webhooks or server-side lookups are authoritative. Card data flows only through hosted fields or tokenization.
How it works →Hosted checkout
Create a session, redirect to a Baraka Pay-hosted checkout_url. The success URL is never proof of payment — fulfil on the verified webhook.
How it works →Per-client policy
Enable or disable each method per client and environment, by contract. Disabled methods are blocked at confirmation and every change is audited.
How it works →More than collecting
The same core that takes money in also sends it out, settles codes your apps issue, and recognises cash that arrives at a bank counter.
Payouts
Send money to a recipient you name, drawn against your own balance, with maker-checker above a threshold and a cool-off on any destination you have not paid before. Available in sandbox; no live rail yet.
How it works →Vouchers
One shared registry of codes your merchant issues and any of its applications can spend, exactly once, even under concurrency.
How it works →Cash deposits
Give a payer a bank account and a reference. When the money is recognised against the bank’s own record, your app is told — never on the strength of a claim.
How it works →Built for money movement, not just API calls
Payments are regulated, asynchronous and unforgiving. Baraka Pay bakes the hard parts in so you don't relearn them the hard way.
💸 Money-safe by design
Immutable double-entry ledger, no floating-point money, idempotent writes, and a transactional outbox for every async state change.
🔒 Never trust the redirect
Signed, deduplicated webhooks are authoritative. The success URL is never proof of payment — so you never fulfil an order that didn't pay.
🎛 Per-client control
Enable or disable each method per client by contract, suspend or offboard accounts, and audit every administrative change.
🌍 Africa-first
Built in francs for the DRC's real rails, with a provider-neutral core ready to expand across the region on the same API.
Ship a payment in one call.
Create an intent, present provider-neutral next actions, and let signed webhooks confirm settlement. No provider lock-in leaking into your code.
Start moving money today.
Spin up a sandbox in minutes. No setup fee, no monthly minimum.