Payment gateways, picked for your market
Flutterwave for pan-African scale. Pesapal for EAC reach. DPO for cards. Xente for low-fee MoMo. Stripe where it applies. We wire in the gateway that fits your business — with server-side verification and multi-rail routing where it makes sense.
What you get
Production-grade by default
All payment rails, one checkout
MTN MoMo, Airtel Money, Visa, Mastercard, bank transfer, Apple Pay, Google Pay — whatever your customer wants to pay with, surfaced in one consistent UX.
Server-side verification
No client-side trust. Every payment verified against the gateway's API before order fulfilment. Stops fake-confirmation fraud cold.
Webhook reconciliation
Signed webhook payloads, idempotency keys, automatic retry. Your order state never gets out of sync with the gateway's settlement record.
Multi-gateway routing
Route each payment to the cheapest provider — MoMo direct, local cards to Pesapal, foreign cards to Stripe. We build the routing layer.
PCI-safe by design
Card details never touch your server. Hosted checkout or tokenized iframe keeps you out of PCI scope while keeping checkout UX clean.
Multi-currency + FX-aware
Sell in UGX, USD, EUR; settle in your preferred currency. FX conversion happens at the gateway with clear cost projections per route.
Real use cases
What teams actually build with this
E-commerce checkout
Single checkout page with all payment options. Customer picks rail, server verifies, order fulfils.
SaaS subscriptions
Recurring billing with retry-on-failure, dunning emails, and graceful downgrade. Tokenized cards via Stripe or Flutterwave.
Marketplace + split payments
Customer pays, platform takes its cut, vendor gets the rest. Handled at the gateway level with clean reconciliation.
Payment links + invoices
Generate a shareable link, customer clicks and pays via any rail. Great for B2B invoicing and ad-hoc collections.
Donations + fundraising
One-time or recurring donation flow with receipt generation and donor-management integration.
Cross-border B2B
Invoice in USD, customer pays via Stripe ACH or wire, you receive UGX after gateway FX. Common for export businesses.
Live work
Where this integration ships in production
How we ship it
From kickoff to production
Typical timeline: 1–3 weeks from contract to live integration.
- 01
Recommend the right gateway(s)
We profile your customer mix, projected volume, and currency requirements. You see a side-by-side cost projection across 2–3 options.
- 02
Onboarding + sandbox
We submit your merchant application(s), get sandbox credentials, and prototype the checkout end-to-end. You can test before signing the final contract.
- 03
Build the integration
Checkout UI, server-side verification, webhook handler with retries, idempotency layer, admin reconciliation view, refund flow.
- 04
Sandbox testing + edge cases
Every payment scenario tested — success, fail, timeout, partial, refund, dispute. Reconciliation clean for a full week in sandbox before going live.
- 05
Production launch + monitoring
Live cut-over with parallel sandbox monitoring for 48 hours. First 30 days monitored for fraud patterns and reconciliation drift.
Providers supported
Tested against the rails Ugandan businesses run on
Don't see your provider? We've wired into custom and legacy systems before — tell us the docs URL and we'll scope it.
Pricing in UGX
Implementation package
1–3 weeks typical delivery · per-milestone billing
- Gateway selection + recommendation report
- Merchant onboarding paperwork
- Checkout UI integrated into your stack
- Server-side payment verification
- Signed webhook handler with retries
- Idempotency + reconciliation ledger
- Refund + dispute handling
- Admin dashboard for ops + finance
- Sandbox + production environments
- 30-day post-launch monitoring
- Full source code + documentation
FAQ
Answered honestly
Aggregator vs direct telco integration — which do I pick?
Aggregators like Flutterwave or Pesapal are the fastest path to live: one SDK gives you MTN MoMo, Airtel Money, cards, and bank transfer. Direct telco integration (MTN MoMo Open API + Airtel Money API) is better when you want margin on every transaction and have the volume to justify dual merchant onboarding. We'll recommend based on your projected volume in month 1.
What are typical fees across the gateways?
Flutterwave: ~3.0%–3.8% on cards, 2.5%–3.5% on MoMo. Pesapal: similar range, sometimes slightly cheaper on regional cards. DPO Pay: competitive on cards, premium for FX. Xente: low MoMo fees (~2.5%) but the checkout UX is more basic. Stripe: only available for some Uganda business types and routes through international processing. We pull the live fee tables during scope and project your monthly cost.
Which gateway is best for international customers?
Flutterwave for pan-African scale (also supports UPI and Apple Pay), Stripe for US/Europe-focused SaaS where you can qualify, DPO for cards-heavy enterprises. If your customer mix is primarily Uganda + EAC with some international cards, Pesapal is usually the smoothest single-gateway choice.
Can I run multiple gateways at the same time?
Yes — and it's increasingly the right answer. Route mobile money to direct MTN/Airtel (cheapest), local cards to Pesapal, international cards to Stripe or Flutterwave (best UX for foreign customers). Adds complexity but recovers 1–2% margin at meaningful volume. We build the routing layer.
Do you handle PCI compliance?
Aggregators handle PCI for you — card details never touch your server, they go straight to the gateway's hosted checkout. Direct card integration via Stripe Elements or DPO's iframe also keeps you out of PCI scope. We never recommend a path that pulls you into PCI compliance unless you specifically need to.
How long does payment integration take?
Single gateway integration: 1–2 weeks. Multi-gateway routing: 3–4 weeks. The variable is your existing checkout — clean Next.js or React checkouts integrate fast; legacy PHP or custom-built carts take longer because we have to model the existing data flow first.
Ready to ship this in your product?
Send a one-paragraph brief. You'll get a written quote in 48 hours — scoped, priced in UGX, with a clear handover plan.
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