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Welcome to HOST Pay

HOST Pay is a multi-tenant wallet infrastructure that provides complete user wallet management, mobile money integration, and payment processing for businesses and developers. Each application gets its own isolated database schema, ensuring complete data separation and independent scaling. Whether you’re building a fintech app, ride-hailing service, or marketplace in Sierra Leone, HOST Pay provides production-ready wallet infrastructure with built-in mobile money support via Monime and card payments via Stripe.

Quick Start

Get up and running in minutes with our quick start guide

API Reference

Explore our comprehensive API documentation

Webhooks

Set up real-time event notifications

Testing

Learn how to test with our sandbox environment

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Key Features

Each application receives its own isolated PostgreSQL schema with complete data separation. Your users, wallets, and transactions never mix with other applications. Scale independently and maintain complete data sovereignty.
Full wallet lifecycle management out of the box: - Wallet creation via dedicated API endpoint - Real-time balance tracking with transaction history - Fund deposits via mobile money or card - Peer-to-peer transfers using username or phone number - Withdrawals to bank accounts or mobile money - Enable/disable controls for security and compliance
Native integration with Monime for Sierra Leone’s mobile money ecosystem:
  • Orange Money (m17)
  • Africell Money (m18) Users enter amounts in Sierra Leone Leones (SLE) for mobile money deposits and withdrawals. The system automatically converts to your application’s base currency (e.g., USD or SLE) using real-time exchange rates. Automatic USSD code generation for seamless customer deposits. Test mode uses Mock Monime for development without real money.
Complete user lifecycle management: - Create users via API - Support for email, username, and phone number - Create wallets for users via dedicated endpoint - Configurable wallet balances (USD, SLE, etc.) - Link to Stripe Connect for payouts - User enable/disable with cascading wallet control
Enable wallet-to-wallet transfers with: - Username or phone lookup - no need for wallet IDs - Self-transfer prevention and balance validation - Configurable transfer limits (daily/monthly) - Automatic fee calculation and deduction
Built-in monetization with automatic fee collection: - Percentage-based fees per transaction type - Dedicated application wallets for fee collection - Real-time fee analytics and reporting - Complete transparency - fees shown before transactions
Every application gets separate Test and Live environments: - Independent schemas for test and production data - Mock Monime service for testing mobile money flows - Stripe test mode for card payment testing
  • Full API access in both modes
Stay synchronized with event-driven webhooks: - Transaction status updates (pending → completed → failed) - Deposit, transfer, and payout events - HMAC signature verification for security - Automatic retry logic for failed deliveries
Keep users informed with automated SMS alerts:
  • Transaction confirmations for deposits, transfers, and withdrawals
  • Customizable message templates with application branding

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Use Cases

Mobile Money Wallets

Launch digital wallet apps with mobile money integration for Sierra Leone

Ride-Hailing Services

Wallet-based payments for drivers and riders with instant transfers

Remittance Platforms

Send money between users using phone numbers with mobile money cashout

E-commerce

Accept card and mobile money payments with customer wallet management

Marketplaces

Split payments between vendors and handle automated payouts

Microfinance Apps

Loan disbursement and repayment via digital wallets

Agent Banking

Enable agents to process deposits and withdrawals for customers

Gaming Platforms

In-game currency management and player-to-player item trading

Gig Economy

Instant payments to freelancers and service providers

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Why Choose HOST Pay?

Skip months of development. HOST Pay provides production-ready wallet infrastructure with user management, transaction processing, mobile money integration, and webhooks out of the box. Focus on your product, not payment plumbing.
Each application gets its own PostgreSQL schema with complete data separation. Your customer data never mixes with other applications. Scale independently, backup selectively, and maintain compliance with data sovereignty requirements.
Native Monime integration means your users can deposit and withdraw using Orange Money, Africell Money, and QMoney with automatic USSD code generation. No need to integrate with each provider separately.
From user registration to wallet funding, peer-to-peer transfers, and cashouts
  • every feature you need is already built. Support username-based transfers, balance tracking, transaction history, and enable/disable controls.
The application fee system is baked in. Configure percentage-based fees per transaction type, and HOST Pay automatically collects and tracks your revenue. Get real-time analytics on fee collection and top users.
Every application gets separate Test and Live schemas. Use Mock Monime to simulate mobile money flows, Stripe test cards for card payments, and test the complete user journey before going live.

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What’s Next?

1

Register Your Application

Sign up for HOST Pay and register your first application. Provide your Stripe and Monime credentials during setup to receive an isolated database schema
2

Get API Credentials

Generate Test Mode credentials (API key + Secret key) for your schema
3

Create Users and Wallets

Create a user via API, then create a wallet for that user using the wallet creation endpoint
4

Test Deposits

Test card deposits using Stripe test cards and mobile money deposits using the Mock Monime service in Test Mode
5

Process Peer-to-Peer Transfers

Test wallet-to-wallet transfers using usernames or phone numbers
6

Go Live

Generate Live Mode credentials and switch to real Stripe and Monime integration for production

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Technical Highlights

FastAPI Backend

High-performance async Python API with automatic OpenAPI documentation and validation

PostgreSQL Multi-Tenancy

Schema-per-tenant architecture with SQLModel ORM for type-safe database operations

Dual Payment Integration

Stripe for international card payments and Monime for Sierra Leone mobile money

Webhook-Driven

Event-driven architecture with real-time notifications for all transaction state changes

RESTful API Design

Comprehensive REST endpoints for users, wallets, and transactions

Built-in Analytics

Real-time transaction analytics, fee reporting, and user activity tracking

SMS Notifications

Automated SMS alerts for transactions with customizable templates
Currency Support: Configurable base currency (USD, SLE, etc.) with automatic SLE conversion for mobile money transactions
API Versioning: /api/v1/ with semantic versioning
Authentication: API Key + Secret Key per application credential
Rate Limiting: Redis-backed rate limiting with endpoint-specific limits (10/min default)

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Need Help?

Support

Contact our support team

GitHub

View our GitHub organization