vpayA Stripe-shaped gateway for Cameroon mobile money

One API for MTN MoMo and Orange Money, with PaymentIntents, idempotency and signed webhooks. These docs cover it as it really is, release by release.

What is vpay?

What works today

Agent skills

💳

Payments that survive a crash

One charge per intent, forever. The rail's reference is written down before the payer can act, and only the rail's authenticated status query moves money.

Payment lifecycle

📱

Two rails, two journeys

MTN MoMo prompts the payer's handset. Orange Money redirects them to Orange's page. vpay branches on the adapter's capability, never on the rail's name.

The provider port

🔌

Integrate the Stripe way

Stripe's object model, idempotency and webhook signatures. Authentication is OAuth2 private_key_jwt, and the official stripe package works through an authenticator.

Merchant API

🤖

Briefings for agents

Every page names the agent skills that cover the same ground, and the parity check fails when the two drift apart.

Agent skills

vpay is a scaffold. Do not deploy it.

It compiles, lints clean and its tests pass, but it cannot take a payment. One real-rail call has ever happened: a single charge settled against MTN's sandbox on 2026-09-15, using a test number the sandbox settles by itself. No real payer has been prompted, no money has moved, Orange has never been called, no refund has ever settled, and no cluster has ever run vpay. What works today →

The shape of it

vpay architecture: merchants, payers and staff reach one vpay-server binary through /v1, /v1/browser and /dash/v1. The worker polls the rails and delivers webhooks. Everything is stored in PostgreSQL. Rails sit behind the provider port.

Where to start

If you want to…	Read
decide whether vpay fits	What is vpay?, then What works today
run it on your machine	Run it locally
integrate a merchant backend	Merchant API, Authentication, SDKs
take a payment from a payer	Hosted checkout, Browser checkout
understand where money can go wrong	Payment lifecycle, Crash safety
operate it	Configuration, Deployment, Runbooks
point a coding agent at it	Agent skills