Luna Finance — Payments for every Malawian

Live API

One request away from production

A single endpoint accepts every Malawian rail. Idempotent, signed, sandboxed — ship a checkout in an afternoon.

Idempotent Replay-safe with Idempotency-Key headers.

Signed webhooks HMAC-SHA256 with rotating secrets.

Sandbox parity Every rail, every status, end-to-end.

Multi-currency MWK, USD, EUR, GBP, ZAR — settle locally or abroad.

~/lunafinance · zsh ● live

# Charge a Malawian customer
curl -X POST https://api.lunafinance.mw/v1/charges \
  -H "Authorization: Bearer sk_live_…" \
  -H "Idempotency-Key: ord_9f2a" \
  -d '{
    "amount": 25000,
    "currency": "MWK",
    "method": "airtel_money",
    "customer": "+265991234567"
  }'

Services

Everything you need to accept money across Malawi

From mobile money to international cards, with the compliance and risk tooling expected of a modern PSP.

💳

One API for every local rail

Tokenised cards, 3-DS2 and hosted checkout — one integration.

lilongwe.coffee/checkout LIVE

Airtel Money MK 45,000

TNM Mpamba Available

Card / Bank Available

📱

Collect MWK across Malawi’s rails

Airtel Money, TNM Mpamba, NatSwitch bank transfers and instant EFT.

Pay with MWK MK 120,000

Airtel Money Selected

TNM Mpamba —

Bank transfer —

🌍

Cards worldwide

Visa & Mastercard with 3-DS2 and multi-currency pricing.

🛡️

Fraud protection

ML risk scoring, velocity rules and device fingerprinting.

📋

Compliance built in

PCI DSS, AML/KYC, Reserve Bank of Malawi alignment.

Global reach

Local rails. Global settlement.

Accept payments in MWK via mobile money and banks, settle in USD, EUR, GBP or ZAR — one API, one reconciliation report.

MWK pay-ins via Airtel Money, TNM Mpamba and NatSwitch

International cards with 3-D Secure 2 and dynamic currency

T+0 / T+1 settlement to Malawian or international accounts

Reconciliation & disputes refund tooling out of the box

Security & compliance

Trust, encoded in every transaction

Every rail, every endpoint — engineered to the standards regulators and acquirers expect.

🔒

PCI DSS aligned

Level 1 architecture with end-to-end tokenisation.

🔐

Encryption everywhere

TLS 1.3 in transit, AES-256 at rest, HSM-backed keys.

⚡

Real-time risk

Streaming ML scoring catches fraud before authorisation.

🏛️

Built for regulators

Aligned to Reserve Bank of Malawi, AML/KYC and data protection.

🔄

Resilient by design

Multi-region active-active with 99.99% uptime SLA.

👨‍💻

Developer-first

REST + webhooks, idempotent endpoints and SDKs.

Payments for every
Malawian.