JT Payment Gateway
A developer-first payment API built for scale. Integrate mobile money and card payments into your application with just a few lines of code. Enterprise-grade reliability, startup-friendly pricing.
"id": "pay_1234...",
"status": "pending"
}
API FEATURES
BUILT FOR DEVELOPERS
Everything you need to integrate payments into your application. Clean APIs, comprehensive documentation, and world-class developer experience.
RESTful API
Clean, well-documented REST API with predictable resource-oriented URLs. JSON request and response bodies.
Webhooks
Real-time event notifications for payment status changes, refunds, and settlements. Retry logic included.
SDKs & Libraries
Official SDKs for Node.js, Python, PHP, and more. Get started in minutes with your preferred language.
Multi-wallet
Separate wallets for different use cases. Manage funds efficiently across multiple channels.
Enterprise-grade Security
A platform you can trust. We handle the security so you can focus on building your product.
Idempotent Requests
Safe retry logic with idempotency keys. Never worry about duplicate charges from network issues.
DEVELOPER EXPERIENCE
GO LIVE IN HOURS
Our API is designed to get you up and running quickly. With comprehensive documentation, sandbox environments, and responsive support, you can start processing payments faster than ever.
- Sandbox environment for testing
- Comprehensive API documentation
- Webhook notifications for real-time updates
- Dedicated developer support via Slack
API REFERENCE
SIMPLE & PREDICTABLE
Our REST API uses standard HTTP response codes, authentication, and verbs. All responses are returned in JSON format.
/v1/paymentsCreate a new payment/v1/payments/:idRetrieve payment details/v1/settlementsList settlementsReal-time Webhooks
Receive instant notifications for all payment events
USE CASES
BUILT FOR ANY BUSINESS
E-commerce Platforms
Embed payments directly into your online store. Support for one-time purchases and subscriptions.
SaaS Applications
Bill your customers automatically with recurring payments, usage-based billing, and invoicing.
Marketplaces
Split payments between multiple parties. Perfect for multi-vendor platforms and gig economy apps.
Mobile Apps
Native mobile SDKs for iOS and Android. Seamless in-app payment experiences.
WHY CHOOSE OUR GATEWAY
RELIABILITY MEETS SIMPLICITY
Whether you're processing your first payment or your millionth, our infrastructure scales with you. No surprises, no hidden fees, just reliable payments.
- 99.99% uptime SLA guarantee
- Average API response time under 500ms
- Sandbox environment for testing
- Dedicated technical support
- Comprehensive API documentation
MNO Fees
Mobile Network Operator Fees
These fees are charged by the mobile network operators (MNOs) and are passed through to you at cost. They are in addition to the just-tap platform fee of 2%.
| Transaction Band | Airtel Money | MTN MoMo | Zamtel Kwacha |
|---|---|---|---|
| K1 – K150 | K0.74 | K0.42 | K0.42 |
| K151 – K300 | K1.30 | K0.80 | K0.80 |
| K301 – K500 | K1.60 | K0.90 | K0.90 |
| K501 – K1,000 | K3.00 | K1.00 | K1.00 |
| K1,001 – K3,000 | K6.00 | K2.20 | K2.00 |
| K3,001 – K5,000 | K10.50 | K3.00 | K3.00 |
| K5,001 – K10,000 | K12.00 | K5.00 | K4.00 |
Transaction Limit
All transactions above K10,000 are blocked and will not be processed through the JT Payment Gateway regardless of MNO or channel.
just-tap Fee
2%
Per transaction
Settlement
T+1
Next business day
Monthly Fee
K0
No hidden charges
READY TO INTEGRATE?
Get your API keys today and start accepting payments in minutes. Our team is here to help you every step of the way.