The all-in-one payment gateway aggregator for modern digital businesses. Accept Mobile Money (MTN, Telecel, AT), debit/credit cards, manage multi-application API credentials, and automate batch disbursements with bank-grade 256-bit encryption.
99.99%
SLA Uptime
< 1.8s
Processing Time
GHS
Ghana Cedi Payments
256-Bit
FIDO2 & AES
Mobile Money Checkout
055 ā¢ā¢ā¢ ā¢ā¢67
GHāµ 250.00
Settled <1.2sConnected Applications
X-Bloom-Signature: sha512=8a2f1c...
Accepted Across Major African Telecom Networks & Global Cards
Simulate real payment workflows or explore ready-to-copy code samples for your backend stack.
Test how your customers will experience payment authorization.
Click the button above to simulate USSD prompt routing, settlement, and webhook dispatch.
POST /api/payments/charge
Everything you need to accept payments, disburse funds, and reconcile transactions across multiple ventures.
Segment credentials, webhooks, and transactions per brand or subsidiary under a single centralized merchant account.
Charge MTN, Telecel, and AT wallets instantly with phone approval prompts, eliminating cumbersome web redirects.
Trigger programmatic payouts to vendor mobile money accounts and bank accounts with automatic reconciliation.
Log in effortlessly with Touch ID, Face ID, or hardware security keys alongside enterprise TOTP two-factor authentication.
Cryptographically signed webhook dispatches with automatic retries, delivery logs, and verifiable payload signatures.
Real-time interactive documentation, comprehensive request schemas, and auto-generated API specifications.
Go from sandbox testing to production transaction settlement in under 15 minutes.
Register your merchant business in seconds. Add your passkeys or password credentials with zero setup fees.
Create your first Application, configure your webhook endpoint URL, and safely grab your Bearer Secret Key.
Call /api/payments/initialize or /charge to begin collecting payments and automating settlements.
Bloom signs every incoming event payload using your unique application webhook secret. Constant-time comparison ensures tamper-proof delivery.
X-Bloom-Signature
public function handleWebhook(Request $request)
{
$secret = config('services.bloom.webhook_secret');
$received = $request->header('X-Bloom-Signature');
$computed = hash_hmac('sha512', $request->getContent(), $secret);
if (! hash_equals($computed, (string) $received)) {
return response()->json(['error' => 'Invalid signature'], 403);
}
$event = $request->input('event'); // 'charge.success'
$data = $request->input('data');
// Update order status & trigger fulfillment
Order::where('reference', $data['reference'])
->update(['paid_at' => now(), 'status' => 'completed']);
return response()->json(['status' => 'processed']);
}We safeguard every transaction with multi-layered cryptography, biometric hardware passkeys, and constant vigilance.
Strict transport security and 256-bit AES encryption ensure confidential data stays protected.
Immune to phishing attacks through hardware-backed public key cryptography on your trusted devices.
Automatic routing to redundant telco gateways minimizes mobile network downtime and dropped charges.
Every API token rotation, credential generation, and disbursement is logged with immutable audit records.
Access your applications, keys, and transactions
Bloom Transact natively supports MTN Mobile Money, Telecel / Vodafone Cash, ATMoney (AirtelTigo), and Visa & Mastercard debit/credit cards. Our primary settlement currencies are Ghanaian Cedis (GHS), US Dollars (USD), and Nigerian Naira (NGN).
You can register unlimited applications under your merchant account (e.g. your main web store, iOS app, Android app, and in-store POS). Each application has its own dedicated Bearer Secret Key, webhook URL, and filtered transaction history.
Our standard API rate limit is 60 requests per minute per application. Responses include standard X-RateLimit-Limit and X-RateLimit-Remaining headers. Higher burst throughput limits are available upon request.
Once registered, visit your Profile & Security settings to register Touch ID, Apple Face ID, Windows Hello, or a YubiKey. Future logins can be completed instantly without typing a password.
Join high-growth merchants and developers running their commerce operations on Bloom Transact.