Overview

Payment gateway overview

Whether you're developing apps, building websites, or designing enterprise solutions, our gateway enhances your payment experience.

Flexible Payment Methods

Accept payments from banks, mobile wallets, and international platforms.

Optimized Payment Models

Support C2B direct and checkout flows. Handle B2C via Telebirr, CBE, and partners.

Robust Transaction Tracking

Verify payments with session and transaction IDs for transparent reconciliation.

Developer Toolkit

SDKs and plugins designed for seamless integration into your stack.

High-level payment process

1

Direct payment processing

1.1 Single-step endpoints

Payments supported:

  • TELEBIRR_USSD payment
  • MPESA payment

Example: Telebirr USSD direct payment

POST /api/checkout/telebirr-ussd/transfer/direct
  1. Send the request to the direct pay endpoint.
  2. The customer receives a USSD popup on their phone.
  3. Save the session ID and mark the transaction as pending.

Notifications

On success or failure, ArifPay notifies your webhook with transaction status.

1.2 Two-step endpoints

Payments supported: CBE B2C, CBE C2B, KACHA B2C

  1. Create a checkout session.
  2. Send a request to the provider endpoint with phone and session ID.
  3. The customer completes authentication on their device.
  4. ArifPay notifies you with transaction ID and status.

1.3 Multi-step endpoints

Payments supported: Kacha, AMOLE, Awash, Hello Cash

  1. Create a checkout session.
  2. Initiate transfer with phone number and session ID.
  3. Customer receives an OTP.
  4. Verify OTP with /api/checkout/kacha/verifyOTP.
2

Checkout session processing

Hosted checkout flow

After creating a checkout session, redirect the user to the Arif checkout page. On completion, a webhook is sent to your notifyURL.
3

Transaction management

Important

Provide the API key in the request header and match the key used during session creation. Update your database based on webhook notifications from Arif Gateway.

To check transaction status on ArifPay side:

  • Verify using session ID
  • Verify using transaction ID
  • Verify using nonce

What to expect from this documentation

Supported Payment Methods

Banks, wallets, and international payments.

C2B Payments

Fast and reliable direct and checkout payments.

B2C Payments

Send payouts via https://cashout.arifpay.net. Refunds are not supported for B2C.

Transaction Management

Track using session IDs and transaction IDs.

Developer tools

SDKs and plugins for effortless integration.