Mobile-money payments

The African payment reality is mobile money, not cards — over 1.1 billion registered accounts. Gomani makes mobile money first-class and cards secondary, behind a single provider-agnostic PaymentProvider interface.

import { createPaymentEngine, createMockProvider } from '@gomani/pay';

const engine = createPaymentEngine({
  provider: createMockProvider(),   // a deterministic USSD/STK simulator, offline by default
  store: paymentStore,
});

The engine owns idempotency: the intent is persisted before the provider is called, so a dropped connection mid-payment never double-charges — a repeat key reconciles instead. Terminal states are frozen and fulfilment fires exactly once. Gomani holds no funds (a pass-through posture).