Build money movement into anything.

One REST API for MoMo, cards, bank payouts, airtime and bills in Ghana. Test keys work against a full sandbox from the day you sign up.

Get sandbox keys Read the API docs

No SDK to install. Plain HTTPS and JSON.

A man in glasses grinning at his laptop.

Sandbox to first payment in an afternoon.

1
Get your test keys
Sign up and create an sk_test_ key in your dashboard. Every call it makes goes to our simulator, so no real money moves.
2
Take your first payment
One POST /api/v1/charges with an Idempotency-Key. Retry with the same key and you get the first answer back, never a second charge.
3
Listen for the webhook
We send charge.success to your endpoint, signed with its secret. Check the signature, then update your order.

Take a MoMo payment

curl https://starpaygh.com/api/v1/charges \
  -H "Authorization: Bearer sk_test_…" \
  -H "Idempotency-Key: 3f2b8c1e-…" \
  -H "Content-Type: application/json" \
  -d '{"amount": 25000, "currency": "GHS",
       "channel": "momo", "msisdn": "0240000000"}'

# The sandbox approves 0240000000 at once
{ "status": true, "message": "Charge successful",
  "data": { "id": "ch_…", "status": "success", "amount": 25000 } }

const res = await fetch("https://starpaygh.com/api/v1/charges", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.STARPAY_KEY}`,
    "Idempotency-Key": crypto.randomUUID(),
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amount: 25000, currency: "GHS",
    channel: "momo", msisdn: "0240000000",
  }),
});
const { data } = await res.json();  // data.status: "success"

import os, uuid, requests

res = requests.post(
    "https://starpaygh.com/api/v1/charges",
    headers={
        "Authorization": f"Bearer {os.environ['STARPAY_KEY']}",
        "Idempotency-Key": str(uuid.uuid4()),
    },
    json={"amount": 25000, "currency": "GHS",
          "channel": "momo", "msisdn": "0240000000"},
)
data = res.json()["data"]  # data["status"] == "success"

Amounts are in pesewas: 25000 is GHS 250.00.

Small API. Every way Ghana pays.

Plain REST over HTTPS, JSON in and out, the same envelope on every response, and cursor paging on lists.

Browse the reference Use the Postman collection

POST/api/v1/chargesTake a payment by MoMo, card or stablecoin
POST/api/v1/transfersPay a MoMo wallet or bank account
POST/api/v1/resolve/momo-nameSee whose name a MoMo number is in
POST/api/v1/vas/airtimeAirtime, and data and utility bills beside it
GET/api/v1/balancesWhat's in your StarPay balance
GET/api/v1/transactionsEvery payment in and out, a page at a time

Built for production.

The parts you would otherwise build yourself.

A webhook for every event
Signed with your endpoint's secret and retried for about 15 hours if your server is down. Resend any delivery from your dashboard.
Charged once
Send the same Idempotency-Key twice and you get the first answer back, never a second charge.
One provider per payment
A payment is never handed to a second provider, so a lost reply can't become a double charge. When we change provider, your code doesn't.
Test and live keys
sk_test_ keys run on the simulator, with numbers that approve, decline or time out. sk_live_ keys work once your business is approved.
Signed payouts
Sending money and buying airtime or bills needs a signed request as well as your key, so a leaked key alone can't send money.
Keys that do one job
Give each key only what it needs: take payments, send money, or read.