Operate

Receive money

Customer funds settle in the merchant's own provider account. Steadi Pay stores credentials encrypted and never shows them again.

Where to configure

Merchant portal → Developers → Receive money, or an admin opening that merchant. Each provider is configured separately for test and live. Paste the callback URL we show into the provider dashboard.

Platform callback base: https://api.steadipay.ltd/v1

Phase 1 providers

Provider	You typically need
PayChangu Connect (recommended)	Sign in at PayChangu. Steadi Pay's fee is paid by the customer at checkout or invoiced monthly. Airtel Money, TNM Mpamba, bank transfer and cards stay available through this rail.
Airtel Money Malawi	Client id, client secret, till or merchant identifiers from Airtel Africa Open API. Invoiced monthly.
Standard Bank (N-Genius)	API key and outlet reference for the hosted payment page. If your bank runs its own N-Genius, also its realm name and gateway address, which are in the bank's setup email. Add the callback URL we show in the N-Genius portal under Webhooks. Invoiced monthly.
Bank and mobile money collections	API key, API secret, organisation id, merchant account number and the email of a real user on that gateway account. Then use Set up webhooks under the form. It adds the four webhook subscriptions at the gateway and saves their secrets for you. Invoiced monthly.

After save, secret fields such as keys, secrets and webhook values stay blank. Type again to replace. No role, including super admin, can read a secret back. Details that are not secret, such as an organisation id, a merchant account number or an outlet reference, show in the form to the merchant so you can check them.

Settlement

Add the merchant's own bank account. The account number cannot already sit on another merchant. That rule stops pooled funds.

Your apps

The same Developers page issues API keys and webhook URLs for 389 Store, 389 Tickets and other apps. Those keys create checkouts. They do not replace the receive-money credentials.