Provider Feature Matrix

Operations Support

Operation	CinetPay	PayGate	FedaPay	Semoa	Bizao	Paystack	MTN MoMo	Airtel Money
send_payment()	✅	✅	✅	✅	✅	✅	✅	✅
check_status()	✅	✅	✅	✅	✅	✅	✅	✅
get_transaction_detail()	❌	⚠️¹	✅	⚠️¹	❌	✅	✅	✅
refund()	❌	❌	❌	❌	❌	✅ (full & partial)	✅	✅
cancel_transaction()	❌	❌	❌	✅	❌	❌	❌	❌
validate_webhook()	✅	✅²	✅	✅	✅	✅	✅	✅

¹ Falls back to check_status() with minimal detail. ² PayGate validates by checking required fields (no HMAC signature).

Payment Flow

Provider	Payment Model	Confirmation
CinetPay	Checkout page (redirect)	Webhook + status check
PayGate	Direct API + Payment link	Webhook + status check
FedaPay	Checkout page (redirect)	Webhook + status check
Semoa	API (direct)	Status check
Bizao	Configurable (web/USSD/TPE)	Status check
Paystack	Checkout page (redirect)	Webhook + status check
MTN MoMo	USSD push (async)	Callback webhook
Airtel Money	USSD push (async)	Webhook + status check

Supported Currencies by Provider

Currency	CinetPay	PayGate	FedaPay	Semoa	Bizao	Paystack	MTN	Airtel
XOF	✅	✅	✅	✅	✅	❌	✅	✅
XAF	✅	❌	❌	✅	✅	❌	✅	✅
NGN	❌	❌	❌	❌	❌	✅	❌	✅
GHS	❌	❌	❌	❌	❌	✅	❌	✅
USD	✅	❌	✅	✅	✅	✅	❌	✅
EUR	❌	❌	❌	✅	❌	❌	❌	✅
UGX	❌	❌	❌	❌	❌	❌	✅	✅
TZS	❌	❌	❌	❌	❌	❌	✅	✅
KES	❌	❌	❌	❌	❌	❌	✅	✅
RWF	❌	❌	❌	❌	❌	❌	✅	✅
ZMW	❌	❌	❌	❌	❌	❌	✅	✅
MWK	❌	❌	❌	❌	❌	❌	✅	✅
BIF	❌	❌	❌	❌	❌	❌	✅	✅
ETB	❌	❌	❌	❌	❌	❌	✅	✅
BWP	❌	❌	❌	❌	❌	❌	✅	✅
CDF	✅	❌	❌	❌	✅	❌	❌	✅
GNF	✅	❌	❌	❌	✅	❌	❌	✅
KMF	❌	❌	❌	❌	❌	❌	❌	✅
ZWL	❌	❌	❌	❌	❌	❌	✅	❌

Rate Limits

Provider	Rate Limit Notes
CinetPay	Not publicly documented
PayGate	Not publicly documented
FedaPay	Typically 60 req/min
Semoa	Not publicly documented
Bizao	Contact Bizao support
Paystack	50 req/second (varies by plan)
MTN MoMo	Tiered by subscription plan
Airtel Money	Contact Airtel support

Choosing a Provider

Use Case	Recommended Provider
Cards + Mobile Money	Paystack, FedaPay
West Africa (UEMOA)	CinetPay, PayGate, Bizao, Semoa
Nigeria	Paystack
East Africa	Airtel Money, MTN MoMo
High-volume refunds	Paystack (full & partial)
USSD/offline channels	Bizao (TPE/USSD), MTN, Airtel
Simple checkout page	CinetPay, FedaPay, Paystack