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What is Plexos Pay?

Plexos Pay is a payment gateway built for developers who need to accept mobile money payments in Cape Verde and Angola. We provide a single, unified API to process payments across multiple mobile money operators.

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Supported Operators

OperatorCountryCurrency
CVMOVELCape Verde (CV)CVE (Escudo)
UNITEL T+MaisAngola (AO)AOA (Kwanza)
MOCKSandboxCVE / AOA

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How Payments Work

1

Create a Payment

Your server calls POST /v1/payments with the amount, operator, and customer’s phone number.
2

Customer Confirms

The customer receives a prompt on their phone to confirm the payment via their mobile money app.
3

Payment Settles

Once confirmed, the payment moves through DEBITED → SETTLED. You receive a webhook notification at each stage.
4

Receive Settlement

Funds are settled to your account based on your settlement schedule.

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Payment Lifecycle

CREATED → OPERATOR_PENDING → USER_CONFIRMING → DEBITED → SETTLED
                                    ↓                        ↓
                                  FAILED                  REFUNDED
                                  EXPIRED          PARTIALLY_REFUNDED
                                CANCELLED

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Two Ways to Accept Payments

  1. Direct Payments — You collect the customer’s phone number and operator, then call the API directly. Best for server-to-server integrations.
  2. Checkout Sessions — We generate a hosted payment page with a shareable URL. Best for e-commerce, invoicing, and payment links.

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API Design Principles

  • RESTful JSON — Standard HTTP methods and status codes
  • Bearer Auth — API keys with sk_live_ (production) and sk_test_ (sandbox) prefixes
  • Amounts in centavos — 10000 = 100.00 CVE (avoids floating-point issues)
  • Cursor pagination — Use starting_after for consistent pagination
  • Idempotency — Use Idempotency-Key headers to safely retry payment and refund creation
  • Webhooks — HMAC-SHA256 signed event notifications