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Payments made simple|
for every business

Centiwise delivers fast, secure, and seamless payment solutions — from startups to enterprises, across every channel.

Start for Free See how it works
5678 9012 3456 7890
Card Holder
JANE DOE
1234 5678 9012 3456
Card Holder
JOHN DOE
Centiwise customer
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Powering Payments for
Thousands of Businesses

From Nairobi to Lagos, Accra to Kampala — businesses across Africa trust Centiwise to handle their transactions securely and at scale.

Globe showing Africa
5,000+
Businesses using Centiwise
$100M+
Total transactions processed
9+
African countries supported
50+
Payment methods supported
99.9%
Platform uptime SLA
98%
Fraud detection accuracy

Why choose Centiwise for your business?

Accept payments everywhere

Accept Payments Anywhere

One integration. Every payment method your customers love — M-Pesa, Airtel Money, Visa, Mastercard, bank transfers, and more. Collect payments across 12+ African countries without changing your stack.

Secure and compliant

Secure & Fully Compliant

PCI DSS Level 1 certified and ISO 27001 compliant. Our AI fraud engine screens every transaction across 200+ risk signals in real time.

Get started today

Ready to start accepting payments?

Join thousands of African businesses already growing with Centiwise. Set up in minutes, no paperwork required.

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24/7 expert support

24/7 Dedicated Support

A real team, based in Africa, ready to help whenever you need it. Whether it's integration help or a live transaction issue — we respond fast and we fix things.

One integration, <endless possibilities>

SDKs & Plugins

Official libraries for Node.js, Python, PHP, and Java. Plus no-code plugins for WooCommerce, Shopify, and Magento.

View SDKs
API Reference

Comprehensive REST API documentation with live examples, error codes, and authentication guides.

View Docs
Webhooks

Receive real-time event notifications for payments, refunds, payouts, and disputes — directly to your endpoint.

View Docs
Try it out
for yourself ↗
1curl -X POST https://sandbox.centiwise.com/paynet/api/v4/payout/39915 \
2  -H 'Host: sandbox.centiwise.com' \
3  -H 'Accept: */*' \
4  -H 'Authorization: OAuth oauth_consumer_key="TestMerchant",' \
5       'oauth_nonce="b5E31Tw6SVjauE29uOf2jOLnuUSXmVdE",' \
6       'oauth_signature_method="RSA-SHA256",' \
7       'oauth_timestamp="1677831012",' \
8       'oauth_version="1.0"' \
9  -H 'Content-Type: application/x-www-form-urlencoded' \
10 --data-urlencode 'account_name=John Doe' \
11 --data-urlencode 'account_number=1234567890' \
12 --data-urlencode 'amount=10.42' \
13 --data-urlencode 'currency=KES' \
14 --data-urlencode 'client_orderid=1042' \
15 --data-urlencode 'routing_number=15' \
16 --data-urlencode 'server_callback_url=https://yourapp.com/webhook'
1import crypto from 'crypto';
2import axios from 'axios';
3 
4const oauthParams = {
5  oauth_consumer_key: 'TestMerchant',
6  oauth_nonce: crypto.randomBytes(16).toString('hex'),
7  oauth_signature_method: 'RSA-SHA256',
8  oauth_timestamp: Math.floor(Date.now() / 1000).toString(),
9  oauth_version: '1.0',
10};
11 
12const payload = {
13  account_name: 'John Doe',
14  account_number: '1234567890',
15  amount: 10.42,
16  currency: 'KES',
17  client_orderid: '1042',
18  routing_number: 15,
19  server_callback_url: 'https://yourapp.com/webhook',
20};
21 
22const res = await axios.post(
23  'https://sandbox.centiwise.com/paynet/api/v4/payout/39915',
24  new URLSearchParams(payload),
25  { headers: { Authorization: buildOAuthHeader(oauthParams) } }
26);
27 
28console.log(res.data); // { status: 'approved', payoutid: 'pay_01JABCXYZ...' }
1import time, secrets, requests
2from urllib.parse import quote
3 
4oauth_params = {
5  "oauth_consumer_key": "TestMerchant",
6  "oauth_nonce": secrets.token_hex(16),
7  "oauth_signature_method": "RSA-SHA256",
8  "oauth_timestamp": str(int(time.time())),
9  "oauth_version": "1.0",
10}
11 
12payload = {
13  "account_name": "John Doe",
14  "account_number": "1234567890",
15  "amount": 10.42,
16  "currency": "KES",
17  "client_orderid": "1042",
18  "routing_number": 15,
19  "server_callback_url": "https://yourapp.com/webhook",
20}
21 
22auth_header = build_oauth_header(oauth_params)
23res = requests.post(
24  "https://sandbox.centiwise.com/paynet/api/v4/payout/39915",
25  data=payload,
26  headers={"Authorization": auth_header}
27)
28 
29print(res.json()) # {'status': 'approved', 'payoutid': 'pay_01JABCXYZ...'}
1<?php
2require 'vendor/autoload.php';
3 
4$oauthParams = [
5  'oauth_consumer_key' => 'TestMerchant',
6  'oauth_nonce' => bin2hex(random_bytes(16)),
7  'oauth_signature_method' => 'RSA-SHA256',
8  'oauth_timestamp' => (string)time(),
9  'oauth_version' => '1.0',
10];
11 
12$payload = [
13  'account_name' => 'John Doe',
14  'account_number' => '1234567890',
15  'amount' => 10.42,
16  'currency' => 'KES',
17  'client_orderid' => '1042',
18  'routing_number' => 15,
19  'server_callback_url' => 'https://yourapp.com/webhook',
20];
21 
22$ch = curl_init('https://sandbox.centiwise.com/paynet/api/v4/payout/39915');
23curl_setopt($ch, CURLOPT_POST, true);
24curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payload));
25curl_setopt($ch, CURLOPT_HTTPHEADER, [
26  'Authorization: ' . buildOAuthHeader($oauthParams),
27  'Content-Type: application/x-www-form-urlencoded',
28]);
29curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
30$res = json_decode(curl_exec($ch), true);
31 
32echo $res['payoutid']; // pay_01JABCXYZ...
  • Node.js
  • Python
  • PHP
  • Java
  • Go
  • Ruby
  • .NET
  • Rust
  • Node.js
  • Python
  • PHP
  • Java
  • Go
  • Ruby
  • .NET
  • Rust
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The proof is in the payments.

Thousands of teams across Africa trust Centiwise to move money that matters.

Built for businesses
that move fast

From fintech startups to established enterprises, Centiwise powers payments for hundreds of businesses across Africa and beyond.

Ready to join them? Thousands of businesses already trust Centiwise.

Become a Partner

FAQs

Everything you need to know about our payment solutions, integrations, security, and getting started with Centiwise.

Still have questions?

Our support team is available Monday–Friday, 8am–6pm EAT. We typically respond within 2 hours.

Contact Support
01 How do I create a Centiwise account?

Getting started is straightforward. Visit centiwise.com, click Get Started Free, and fill in your business details. You'll need a valid email, your business registration number, and a phone number for verification. Once submitted, your account is reviewed and activated within 24 hours.

Getting Started
02 What types of businesses can use Centiwise?

Centiwise serves businesses of all sizes — from individual freelancers and small online shops to large enterprises and e-commerce platforms. We support businesses across Kenya and the wider East Africa region. As long as your business is legally registered, you can apply to use our platform.

Getting Started
03 Which payment methods does Centiwise support?

We support a comprehensive range of payment methods including Visa & Mastercard (debit and credit), M-Pesa, Airtel Money, bank transfers, PayPal, and American Express. We are continuously adding new payment options based on merchant demand.

Payments
04 How long does it take to receive my payouts?

Payouts are processed on a T+1 basis — meaning funds settled today are disbursed to your registered bank account or M-Pesa the next business day. We offer same-day settlement for merchants who qualify based on transaction volume and account standing. You can track all payouts in real time from your dashboard.

Payments
05 Is Centiwise PCI DSS compliant?

Yes. Centiwise is fully PCI DSS Level 1 compliant — the highest certification standard for payment processors. All cardholder data is encrypted using TLS 1.3 and stored in tokenised form. We also hold ISO 27001 certification for information security management.

Security
06 How does Centiwise protect against fraud?

Our AI-powered fraud detection engine analyses every transaction in real time across 200+ risk signals, flagging suspicious activity before it reaches your account. We support 3D Secure 2.0 authentication, velocity checks, device fingerprinting, and geo-location analysis. Merchants can also configure custom fraud rules from their dashboard.

Security
07 How do I integrate the Centiwise Payment Gateway?

We offer multiple integration paths to suit your technical setup. Our REST API is fully documented and supports JSON. We also provide ready-made SDKs for PHP, Python, Node.js, and Java, plus no-code plugins for WooCommerce, Shopify, and Magento. A sandbox environment is available so you can test before going live.

Integration
08 Do you provide a sandbox for testing?

Absolutely. Every merchant account comes with a full sandbox environment that mirrors our live system. You can simulate payments, refunds, webhooks, and error scenarios using test card numbers and M-Pesa simulation codes provided in our developer documentation. No real money is moved during testing.

Integration
09 What are Centiwise's transaction fees?

Our pricing is transparent and based on transaction volume. The standard rate is 2.9% + KES 30 per successful card transaction, and 1.5% for M-Pesa and mobile money. Volume discounts are available for merchants processing over KES 1M monthly. There are no setup fees, monthly fees, or hidden charges.

Billing & Pricing
10 Can I get a custom pricing plan for my business?

Yes. Businesses with high transaction volumes or specific requirements can contact our business development team for a custom pricing proposal. We evaluate your monthly volume, average transaction size, and industry to offer competitive bespoke rates. Enterprise contracts include dedicated account management and SLA guarantees.

Billing & Pricing

Still have questions?

Our support team is available Monday–Friday, 8am–6pm EAT. We typically respond within 2 hours.

Contact Support

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