Collect mobile money, send payouts, and manage fees with a dual-wallet model designed for East African merchants. One REST API. Full transparency.
Merchant Dashboard
Demo Merchant
Payment Wallet
1,245,000
TZS available
Service Wallet
50,000
TZS for fees
Payment received
ORD-0042 · M-Pesa
Payout sent
Salary · Tigo Pesa
Supported payment methods
Two wallets. Clear separation. Full control over collections, fees, and payouts.
Your revenue account
Receives the full gross amount on every successful collection. This is your merchant revenue — used as the source for payouts to customers, suppliers, and staff.
Your operations account
Debited for all Snippe gateway fees and SmartWebs platform fees. Must be funded before API operations. Auto-move from payment wallet keeps it topped up.
Customer pays
Mobile / Card / QR
Payment wallet
+ Gross amount
Service wallet
− Gateway + platform fees
Your webhook
payment.completed
Register as a merchant and get instant access to your dashboard and test API keys.
Top up your service wallet to cover gateway and platform fees before going live.
Use our REST API with Bearer auth. Mobile, card, and QR collections in one endpoint.
Accept payments, send payouts, transfer to other merchants — all from your wallets.
JSON endpoints for payments, payouts, wallets, and operations.
Real-time events forwarded to your URL with X-SmartWebs-Event header.
Estimated fees reserved before operations — no mid-flight failures.
Automatically fund service wallet from payment wallet when balance is low.
Send funds to other SmartWebs merchants instantly by email.
Separate sw_test_ and sw_live_ API keys for safe development.
Monitor wallets, transactions, and API keys from a clean web interface.
Safe retries with Idempotency-Key header — no duplicate charges.
RESTful JSON API with Bearer authentication. Create a payment with a single POST request — mobile money, card, or dynamic QR.
sw_live_ / sw_test_ keys
$ curl -X POST https://smartwebs.swifttest.space/public/api/v1/payments \
-H "Authorization: Bearer sw_live_xxx" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: order-123" \
-d '{
"payment_type": "mobile",
"details": {
"amount": 5000,
"currency": "TZS"
},
"phone_number": "255781000000",
"metadata": { "order_id": "ORD-001" }
}'You always know what you're paying — platform fees on top of standard gateway rates.
| Fee type | Rate | Charged from |
|---|---|---|
| SmartWebs platform fee | 1% | Service wallet |
| Snippe gateway fee | Per Snippe rates | Service wallet |
| Account registration | Free | — |
| API access | Free | — |
Starter
Free
to get started
TZS
Native currency support
2
Specialized wallet types
REST
Developer-first API
24/7
Webhook event delivery
Built for East African merchants who need reliable, transparent payment infrastructure.
The payment wallet holds your customer revenue — the full gross amount from collections. The service wallet covers operational costs: Snippe gateway fees and SmartWebs platform fees. Keeping them separate means you always know exactly how much is available for payouts versus fees.
Before collections, deposits, top-ups, or withdrawals, estimated gateway and platform fees are reserved on your service wallet. Available balance = balance − reserved. This prevents operations from failing mid-transaction due to insufficient fee coverage.
Yes. Create test API keys (sw_test_ prefix) from your dashboard. Use the demo account (demo@smartwebs.test / password123) with a pre-funded service wallet to explore the platform immediately.
SmartWebs receives Snippe webhooks, settles your dual wallets, then forwards events to your configured URL. Events include payment.completed, payment.failed, payment.expired, payout.completed, and payout.failed — all with an X-SmartWebs-Event header.
Yes. SmartWebs is built specifically for the Tanzanian market with TZS as the sole currency. All amounts, wallets, and API responses use TZS.
If auto-move is enabled (default), funds automatically transfer from your payment wallet to your service wallet when available balance falls below your configured threshold (default 5,000 TZS).
Create your merchant account in minutes. Fund your service wallet, grab your API keys, and start collecting.