RazonetixPay

The payment ledger for every project you ship

Connect your own mobile money accounts and move money through one API. Collect from customers, pay people out, refund in a click, and see every movement in one ledger. RazPay never holds your funds.

Join the betaRead the docs

Gross volume

1D7D30D

E48,215.40

▲ 12.4%

vs. E42,890.10 previous 7 days

Success rate

97.8%

Payments

1,284

Avg. order

E37.55

INV-2026-0142successfulE1,091.35
order_8812pendingE240.00
order_8811successfulE65.50
order_8810failedE120.00

Bring your accounts from providers your customers already use

MTN MoMo
eMaliSoon
InstaCashSoon

0%

of your money held by RazPay. It moves straight between your customers and your accounts.

1

ledger for every collection, payout and refund across all your projects.

8

signed webhook attempts, plus background checks, so no payment is left unresolved.

3

key permissions: collect, pay out, refund. Money out is never on by default.

How money moves

From a payment request to a reconciled ledger

Everything your business needs to take money in and send it out, through your own provider accounts, recorded in one place.

  1. 1Collect

    Ask for a payment. Your customer approves it on their phone.

    One request sends a MoMo prompt to the customer's wallet. They approve with their PIN, and the money lands in your own collection account.

    • Retry with the same reference and it never charges twice
    • Optionally reject numbers that aren't active wallets
    • Charge again without a prompt under a pre-approval
    9:41MTN

    MoMo payment request

    E1,091.35

    to Ngwenya Supplies

    ReferenceINV-2026-0142
    NoteRouter + installation

    Enter PIN to approve

    DeclineApprove

  2. 2Confirm

    Know the moment it's paid, with signed webhooks.

    RazPay pushes a signed event to your server as soon as a payment resolves, and keeps retrying until you acknowledge it. Background checks catch anything a provider forgets to report.

    • HMAC-SHA256 signature on every delivery
    • Separate events for money in and money out
    • Look anything up by your own reference

    Webhook deliveries

    https://api.ngwenya.co.sz/razpay
    transaction.successfulINV-2026-0142200just now
    payout.successfulcommission-oct-sipho2002 min ago
    refund.successfulorder_8790-refund2009 min ago
    transaction.failedorder_8810503retry 2 of 8 in 2m
    X-RazPay-Signature: t=1760774461,v1=5f2c…a91e

{
  "event": "transaction.successful",
  "transaction": {
    "external_reference": "INV-2026-0142",
    "type": "collection",
    "amount": 1091.35,
    "status": "successful"
  }
}

  3. 3Pay out

    Pay people from your disbursement account.

    Send commissions, salaries and supplier payments to any MoMo wallet. RazPay checks the wallet, shows you who owns it, and holds every project to the limits you set.

    • Recipient name confirmed before you send
    • Per-payout caps and daily limits per project
    • Keys need an explicit payout permission

    Send payout

    From your MoMo disbursement account

    Amount

    E250.00SZL

    Available: E3,200.00 · Max per payout: E500.00

    Recipient's number

    78 123 456 Check
    Active wallet · Sipho Dlamini

    Method

    Transfer

    Note

    October commission

    CancelSend E250.00 to Sipho

  4. 4Refund

    Return all or part of a payment in one step.

    Refund from the API or the dashboard. RazPay sends the money back to whoever paid, and never lets refunds add up to more than the original.

    • Full or partial, with the history on the payment
    • Over-refunding is blocked, even under concurrency
    • Its own refund webhook when it lands

    Refund payment

    Returns money to Thabo Simelane from your disbursement account.

    PaidE120.00
    Already refundedE54.50
    Left to refundE65.50

    Amount

    65.50 · everything left
    Refund E65.50

  5. 5Reconcile

    Every movement, in one ledger.

    Collections, payouts and refunds across every project, with who paid, who was paid, and why anything failed. Collected, paid out and net, always up to date.

    • Filter by project, type and status
    • Failure reasons in plain language
    • Daily money in and out charts

    Transactions

    All typesAll statuses

    Collected

    E48,215.40

    Paid out

    E9,320.00

    Net

    E38,895.40

    INV-2026-0142

    Nomsa Dube

    collectionsuccessfulE1,091.35

    commission-oct-sipho

    Sipho Dlamini

    payoutsuccessful−E250.00

    order_8812

    26876•••456

    collectionpendingE240.00

    order_8790-refund

    Thabo Simelane

    refundsuccessful−E65.50

    order_8810

    26878•••901

    collectionfailedE120.00

Built in

Everything else your payments run on

The parts you'd otherwise build yourself, already there for every project.

Monthly gym membership

26876•••456

approved
November chargeE350.00 · no prompt

Recurring payments

Customers pre-approve once. You charge their subscription each month without another prompt.

Term 2 school fees

fees-term2-0042 · Pay ref PR-77120

paid
Paid from MoMo appE1,500.00

Invoices

Send a bill they pay later from any MoMo channel. Paid invoices land in the ledger on their own.

78 123 456
Active walletSipho Dlamini

Wallet checks

Confirm a number is an active wallet and see whose it is, before any money moves.

Storefrontcollect
Payouts workercollectpayoutrefund

Scoped API keys

Keys per project, revealed once, with permissions that keep money out locked down.

Collection

E12,480.50

Disbursement

E3,200.00

Live balances

Your collection and disbursement balances, right next to the ledger they explain.

transaction.successful200
payout.successful200
invoice.paid200

Signed webhooks

Events for payments, payouts, refunds, invoices and pre-approvals, retried until delivered.

For developers

Ship a payment flow in an afternoon

A small, predictable REST API with bearer-token auth and JSON everywhere. Every write is safe to retry, every result arrives as a signed webhook.

  • Your references, your metadata

    Pass your own external_reference and any metadata; RazPay stores it and returns it untouched.

  • One API for money in and out

    Collections, payouts, refunds, invoices and pre-approvals share the same objects and statuses.

  • A playground in the dashboard

    Try every endpoint against your own project before writing a line of code.

Explore the API reference
1curl -X POST https://api.razpay.razonetix.com/v1/payments/collect \
2  -H "Authorization: Bearer rzp_live_..." \
3  -H "Content-Type: application/json" \
4  -d '{
5    "external_reference": "INV-2026-0142",
6    "provider": "momo",
7    "amount": 1091.35,
8    "currency": "SZL",
9    "phone_number": "+26876123456",
10    "description": "Wi-Fi router + installation"
11  }'

Getting started

From onboarding to first payment in four steps

No middleman holding your funds and no provider SDKs to learn. Connect your accounts once and reuse them across every project.

  1. 01

    We onboard you

    We set up your organisation and invite your team. You sign in and manage everything from there.

    org: ngwenya-holdings
  2. 02

    Connect your accounts

    Your MTN MoMo collection account for money in, and your disbursement account for payouts and refunds.

    provider: mtn_momo
  3. 03

    Create a project and key

    One project per product, each with its own keys, webhook and payment limits.

    rzp_live_••••••••••••
  4. 04

    Go live

    Collect, pay out and refund through one API, and watch it all land in the ledger.

    POST /v1/payments/collect

Ready to bring your own accounts?

We onboard businesses directly. We set up your organisation, then your team connects its provider accounts and starts collecting into its own.

Join the betaRead the docs