The complete payment infrastructure for Africa
Four integrated products that cover every aspect of digital payments — from accepting the first transaction to scaling to millions.
Payment Gateway
Accept every payment method across Africa
Our flagship product connects you to mobile money operators, card networks, bank transfers, QR payments, and alternative payment methods through a single REST API.
99.98%
Uptime SLA
50ms
Avg response
20+
Channels
Mobile Money
M-Pesa, MTN MoMo, Airtel Money, Orange Money, Tigo Cash and 20+ more operators
Card Payments
Visa, Mastercard, Verve, AmEx — local and international cards with 3DS authentication
Bank Transfers
Direct bank debit and credit rails across 15+ African banking systems
QR Payments
Dynamic QR codes for in-store and online payments, compatible with all major wallets
Recurring Billing
Subscription management with automated retry logic and dunning workflows
Split Payments
Route payments to multiple accounts with configurable split rules
Integrate in 3 days,
not 3 months
Our developer-first APIs come with comprehensive documentation, interactive sandbox, SDKs in 5 languages, and dedicated integration support.
Full API Documentation
Every endpoint documented with examples
Sandbox Environment
Test every scenario before going live
Webhooks & Events
Real-time notifications for every transaction
Status Page
Live uptime monitoring for all services
const bilcart = require('@bilcart/node');
const client = new bilcart.Client({
apiKey: process.env.BILCART_API_KEY,
environment: 'sandbox'
});
// Initiate a mobile money payment
const payment = await client.payments.create({
amount: 10000, // in cents (KES 100)
currency: 'KES',
channel: 'mpesa',
mobile: '+254712345678',
reference: 'ORDER-001',
callback_url: 'https://yourapp.com/webhook'
});
console.log(payment.transaction_id);
// → txn_01HX8KZPQ5...Start building with Bilcart today
Access our full sandbox environment, explore the API documentation, and integrate your first payment in under a day.