One signed API surface over every payment rail in Zambia — create a settlement, trace it end to end, reverse it, receipt it. Provider abstraction means you write to Unityzm, not to each mobile-money operator. Sandbox first, no real money moves.
No passwords transmitted — every call carries a signed challenge response. Point it at the sandbox and trace the lifecycle before you go live.
# Create a settlement over any rail — the gateway routes it curl -X POST https://api.unityzm.co/api/v1/gateway/settlements \ -H "Authorization: Bearer $UZ_TOKEN" \ -H "Content-Type: application/json" \ -d '{ "amount": 250.00, "currency": "ZMW", "to": "usn:participant:7QK3-…", "reference": "INV-10482", "sandbox": true }' # → trace it, reverse it, fetch a receipt GET /api/v1/gateway/settlements/:ref/status GET /api/v1/gateway/settlements/:ref/events POST /api/v1/gateway/settlements/:ref/reverse
Versioned REST today, with webhooks, a simulator and partner bundle submission.
Create, list, check, reverse and trace settlements.
Query balances and route across payment rails.
Subscribe, test deliveries and rotate secrets.
Auth, notifications and quality metrics for the app.
Submit partner-system bundles for review.
Test against providers without real movement.
Get sandbox credentials and a webhook secret in your first session.