Payment orchestration hub

One integration layer
for every payment gateway

Universal Integration Payment System connects registered systems to Azam Pay, Yellow Card, and future providers — with per-system credentials, full audit logs, and signed webhooks.

Open admin panel API reference

Multi-tenant Per-system tokens & webhooks

Sandbox + Prod Per-gateway environments

Fully audited Every API call recorded

Integration flow

Register your system

Receive a bearer token and webhook endpoint from the admin panel.

Configure gateways

Store encrypted Azam Pay / Yellow Card credentials per environment.

Create payments via API

POST amount, method, and reference — UIPS routes to the correct driver.

Receive signed callbacks

Status updates delivered to your webhook with HMAC-SHA256 verification.

Platform capabilities

Built for production payment flows

Everything required to operate a central payment hub across multiple client systems.

01 — Security

Secure credentials

Gateway secrets encrypted at rest. Masked in the admin UI. Never shared across systems.

02 — Architecture

Pluggable drivers

Common PaymentGateway contract — swap or add providers without touching client apps.

03 — Webhooks

Inbound & outbound

Gateway callbacks routed per system. Retries, dead-letter queue, and manual replay in admin.

04 — Compliance

Full audit trail

API requests, gateway calls, and admin actions all recorded in audit_logs.

05 — Coverage

Mobile money & more

Mobile money, bank checkout, Bill Pay / USSD, and card collections supported.

06 — API

REST API v1

Bearer-token authentication, structured JSON responses, and status lookup by reference.

Payment providers

Supported gateways

Active drivers in production today, with an open contract for adding further providers.

Provider	Method	Environment	Status
Azam Pay	Mobile money	Sandbox & Production	Live
Azam Pay	Bank checkout	Sandbox & Production	Live
Azam Pay	Bill Pay / USSD	Sandbox & Production	Live
Yellow Card	Crypto / stablecoin	Sandbox & Production	Live
Stripe	Card payments	—	Planned
Flutterwave	Multi-method	—	Planned

Developer reference

API quick reference

Base URL: https://sips.co.tz/api/v1

Endpoints

# System context
GET  /system/me

# Payments
POST /payments
GET  /payments/{reference}

# Inbound gateway callback
POST /webhooks/{gateway}/{slug}
                

Authentication

All API requests must carry a bearer token issued per registered system. Tokens are generated and rotated from the admin panel.

Authorization: Bearer <system-token>

Webhook deliveries are signed with HMAC-SHA256. Verify the X-UIPS-Signature header on every inbound callback before processing.

Get your token →