> ## Documentation Index
> Fetch the complete documentation index at: https://docs.archefusion.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment gateways

> Archefusion allows you to connect multiple payment gateways through a single integration. Once configured, you can route transactions across your connected gateways without managing each one separately.

To get started, you need to configure each payment gateway you want to use via the Archefusion dashboard. This involves providing your API credentials for each gateway so Archefusion can connect to your gateway accounts and route payments through them on your behalf.

Use your test credentials while in test mode, and switch to your live credentials before going live. Your credentials are securely encrypted and stored.

<Note>
  Visit the [supported gateways and payment methods](https://docs.archefusion.com/pages/supported-gateways-and-payment-methods) page to see a list of all supported payment gateways on Archefusion.
</Note>

## How to configure the Flutterwave gateway

**Step 1:** Log in to your [merchant account](https://app.archefusion.com/sign-in), and navigate to "Payment Gateways" > "Gateway Providers" > "All Gateways."

**Step 2:** Scroll through the list and select "Flutterwave."

**Step 3**: Click the "Credentials" option and select the "Test" tab.

<Note>
  Only select the "Live" tab when you are ready to process real payments.
</Note>

**Step 4:** Get your public key, secret key, and webhook secret from your [Flutterwave dashboard](https://app.flutterwave.com/dashboard), then paste them into the "Public Key," "Secret Key," and "Webhook Secret" fields, respectively.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Flutterwave-credentials.jpeg?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=b909a73c63615eba8548273f7ce3068e" alt="Flutterwave credentials page" width="1640" height="788" data-path="images/Flutterwave-credentials.jpeg" />

**Step 5:** Provide a reference prefix. This is added to the transaction reference for every payment processed through the Flutterwave gateway.
For example, `FW_`

**Step 6:** Provide your redirect URL in the "Redirect URL" field.
This is the URL on your server that Flutterwave redirects customers to after they complete payment on the checkout page.
For example, your order confirmation or payment success page.

**Step 7:** Click the "Save Changes" button to save your credentials.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Flutterwave-save-btn.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=d9d909d76a353e03607259350ff14b61" alt="Save Flutterwave credentials" width="1631" height="671" data-path="images/Flutterwave-save-btn.png" />

**Step 8:** Click the "Test connection" button to test the gateway connection

<Note>
  This will automatically redirect you to the Flutterwave checkout page, and real funds will be processed, typically a small amount (e.g. ₦100), if you are in live mode.
</Note>

**Step 9:** Complete the test payment. Once successful, you will be redirected to the redirect URL you provided in Step 6.

**Step 10:** Navigate back to the Archefusion dashboard and click the "Add to my provider" button to add Flutterwave to your gateway list.

**Step 11:** Toggle the gateway status to "active" to start routing payments through Flutterwave.

**Step 12:** Copy the webhook URL displayed in the "Webhook URL" field and paste it into your [Flutterwave dashboard](https://app.flutterwave.com/dashboard/home) under "Settings" > "Webhooks."

This allows Flutterwave to send payment event notifications to Archefusion on your behalf.

<img src="https://mintcdn.com/archefusion/bwYrW3yCY4ztyD7M/images/Flutterwave-webhook-url.png?fit=max&auto=format&n=bwYrW3yCY4ztyD7M&q=85&s=e8168a25044fe65d31dfa59e85bd8bb1" alt="Flutterwave webhook url" width="1597" height="339" data-path="images/Flutterwave-webhook-url.png" />

***

## How to configure the Interswitch gateway

**Step 1:** Log in to your [merchant account](https://app.archefusion.com/sign-in), and navigate to "Payment Gateways" > "Gateway Providers" > "All Gateways."

**Step 2:** Scroll through the list and select "Interswitch."

**Step 3:** Click the "Credentials" option and select the "Test" tab.

<Note>
  Only select the "Live" tab when you are ready to process real payments.
</Note>

**Step 4:** Get your client ID, data reference, merchant code, pay item ID, secret key, and webhook secret from your [Interswitch dashboard](https://business.quickteller.com/signin), then paste them into the "Client ID," "Data Reference," "Merchant Code," "Pay Item ID," "Secret Key," and "Webhook Secret" fields, respectively.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Interswitch-credentials.jpeg?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=98fef8321e42bfd7f27d44104310f7a1" alt="Interswitch credentials page" width="1920" height="754" data-path="images/Interswitch-credentials.jpeg" />

<Note>
  Ensure you enter each credential in the correct field to avoid errors.
</Note>

**Step 5:** Provide a reference prefix. This is added to the transaction reference for every payment processed through the Interswitch gateway.
For example, `INTER_`

**Step 6:** Provide your redirect URL in the "Redirect URL" field.
This is the URL on your server that Interswitch redirects customers to after they complete payment on the checkout page.
For example, your order confirmation or payment success page.

**Step 7:** Click the "Save Changes" button to save your credentials.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Interswitch-save-btn.jpeg?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=bd6e979af489d5f3d144be8c7fd59ecd" alt="Save Interswitch credentials" width="1636" height="660" data-path="images/Interswitch-save-btn.jpeg" />

**Step 8:** Click the "Test connection" button to test the gateway connection.

<Note>
  This will automatically redirect you to the Interswitch checkout page, and real funds will be processed, typically a small amount (e.g. ₦100), if you are in live mode.
</Note>

**Step 9:** Complete the test payment. Once successful, you will be redirected to the redirect URL you provided in Step 6.

**Step 10:** Navigate back to the Archefusion dashboard and click the "Add to my provider" button to add Interswitch to your gateway list.

**Step 11:** Toggle the gateway status to "active" to start routing payments through Interswitch.

**Step 12:** Copy the webhook URL displayed in the "Webhook URL" field and paste it into your [Interswitch dashboard](https://business.quickteller.com/signin) under "Developer Tools" > "Webhooks."

This allows Interswitch to send payment event notifications to Archefusion on your behalf.

<img src="https://mintcdn.com/archefusion/bwYrW3yCY4ztyD7M/images/Interswitch-webhoook-url.png?fit=max&auto=format&n=bwYrW3yCY4ztyD7M&q=85&s=feb3ecc85531fcf8fdca7bb2b5a93d80" alt="Interswitch webhook url" width="1444" height="365" data-path="images/Interswitch-webhoook-url.png" />

***

## How to configure the Monnify gateway

**Step 1:** Log in to your [merchant account](https://app.archefusion.com/sign-in), and navigate to "Payment Gateways" > "Gateway Providers" > "All Gateways."

**Step 2:** Scroll through the list and select "Monnify."

**Step 3:** Click the "Credentials" option and select the "Test" tab.

<Note>
  Only select the "Live" tab when you are ready to process real payments.
</Note>

**Step 4:** Get your contract code, API key, and secret key from your [Monnify dashboard](https://app.monnify.com/login), then paste them into the "Contract Code," "API Key," and "Secret Key" fields, respectively.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Monnify-credentials.jpeg?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=a452ffba62754a4236b8092eba9263d4" alt="Monnify credentials page" width="1651" height="815" data-path="images/Monnify-credentials.jpeg" />

**Step 5:** Provide a reference prefix. This is added to the transaction reference for every payment processed through the Monnify gateway.
For example, `MNFY_`

**Step 6:** Provide your redirect URL in the "Redirect URL" field.
This is the URL on your server that Monnify redirects customers to after they complete payment on the checkout page.
For example, your order confirmation or payment success page.

**Step 7:** Click the "Save Changes" button to save your credentials.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Monnify-save-btn.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=0c7bc80b4c3ed01a01c05c7646049b11" alt="Save Monnify credentials" width="1629" height="833" data-path="images/Monnify-save-btn.png" />

**Step 8:** Click the "Test connection" button to test the gateway connection.

<Note>
  This will automatically redirect you to the Monnify checkout page, and real funds will be processed, typically a small amount (e.g. ₦100), if you are in live mode.
</Note>

**Step 9:** Complete the test payment. Once successful, you will be redirected to the redirect URL you provided in Step 6.

**Step 10:** Navigate back to the Archefusion dashboard and click the "Add to my provider" button to add Monnify to your gateway list.

**Step 11:** Toggle the gateway status to "active" to start routing payments through Monnify.

**Step 12:** Copy the webhook URL displayed in the "Webhook URL" field and paste it into your [Monnify dashboard](https://app.monnify.com/dashboard) under "Developer" > "Webhooks URLs."

This allows Monnify to send payment event notifications to Archefusion on your behalf.

<img src="https://mintcdn.com/archefusion/bwYrW3yCY4ztyD7M/images/Monify-webhoook-url.png?fit=max&auto=format&n=bwYrW3yCY4ztyD7M&q=85&s=97fbbcbc802b359c94515955a775049e" alt="Monnify webhook URL" width="1227" height="264" data-path="images/Monify-webhoook-url.png" />

***

## How to configure the Korapay gateway

**Step 1:** Log in to your [merchant account](https://app.archefusion.com/sign-in) and navigate to "Payment Gateways" > "Gateway Providers" > "All Gateways."

**Step 2:** Scroll through the list and select "Korapay."

**Step 3:** Click the "Credentials" option and select the "Test" tab.

<Note>
  Only select the "Live" tab when you are ready to process real payments.
</Note>

**Step 4:** Select your preferred checkout channels to process payments on Korapay.
Available options are: Card, bank transfer, pay with bank, and mobile money.

**Step 5:** Select your preferred default checkout channel, i.e., the checkout channel to automatically redirect the customer to. However, the customer can decide to change it on the checkout page.

Available options are: Card, bank transfer, pay with bank, and mobile money.

**Step 6:** Get your public key and secret key from your [Korapay dashboard](https://merchant.korapay.com/auth/login), then paste them in the "Public Key" and "Secret Key" fields, respectively.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Korapay-credentials.jpeg?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=11d0f2bf20248a49d67c9f3229f4750f" alt="Korapay credentials page" width="1646" height="752" data-path="images/Korapay-credentials.jpeg" />

**Step 7:** Provide your redirect URL in the "Redirect URL" field.
This is the URL on your server that Korapay redirects customers to after they complete payment on the checkout page. For example, your order confirmation or payment success page.

**Step 8:** Provide a reference prefix. This is added to the transaction reference for every payment processed through the Korapay gateway.
For example, `UBR_KORA1`

**Step 9:** Toggle the "Merchant Bears Cost" button to set who should bear the transaction fee.

<Note>
  If toggled on, the merchant bears the transaction fee; otherwise, the customer bears the fee. By default, it is set to true.
</Note>

**Step 10:** Click "Save Changes" to save your credentials.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Korapay-save-btn.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=10a34b8748e290250980ec4a1bf659f0" alt="SaveKorapay credentials" width="1655" height="815" data-path="images/Korapay-save-btn.png" />

**Step 11:** Click the "Test connection" button to test the gateway connection.

<Note>
  This will automatically redirect you to the Korapay checkout page, and real funds will be processed, typically a small amount (e.g. ₦100), if you are in live mode.
</Note>

**Step 12:** Complete the test payment. Once successful, you will be redirected to the redirect URL you provided in Step 7.

**Step 13:** Navigate back to the Archefusion dashboard and click the "Add to my provider" button to add Korapay to your gateway list.

**Step 14:** Toggle the gateway status to "active" to start routing payments through Korapay.

**Step 15:** Copy the webhook URL displayed in the "Webhook URL" field and paste it into your [Korapay dashboard](https://merchant.korapay.com/auth/login) under "Settings" > "API Keys & Webhooks" > "Webhook URL."

This allows Korapay to send payment event notifications to Archefusion on your behalf.

<img src="https://mintcdn.com/archefusion/cm6Rs8HbTZX6uJPd/images/Korapay-webhook-url.png?fit=max&auto=format&n=cm6Rs8HbTZX6uJPd&q=85&s=621ca335fa26c94db139917947534237" alt="Korapay webook url" width="1267" height="349" data-path="images/Korapay-webhook-url.png" />

***

## How to configure the Payaza gateway

**Step 1**: Log in to your [merchant account](https://app.archefusion.com/sign-in) and navigate to "Payment Gateways” > “Gateway Providers" > "All Gateways.”

**Step 2**: Scroll through the list and select “Payaza.”

**Step 3**: Click the “Credentials” option and select the “Test” tab.

<Note>
  Only select the “Live” tab when you are ready to process real payments.
</Note>

**Step 4**: Get your public key and secret key from your [Payaza dashboard](https://business.payaza.africa/payaza-account), then paste them into the “Public Key” and “Secret Key” fields, respectively.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Payaza-credentials.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=9cce0ab29a4717d356568f49a8ec82ad" alt="Payaza API credentials" width="1615" height="668" data-path="images/Payaza-credentials.png" />

**Step 5**: Provide a reference prefix. This is added to the transaction reference for every payment processed through the Payaza gateway.

<Note>
  The default is PYZ
</Note>

**Step 6**: Provide your redirect URL in the “Redirect URL” field. This is the URL on your server that Payaza redirects customers to after they complete payment on the checkout page.
For example, your order confirmation or payment success page.

**Step 7**: Click the “Save Changes” button to save your credentials.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Payaza-save-btn.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=b58007000a94eeb88c2aafd43aaf6a6d" alt="Save Payaza credentials" width="1663" height="824" data-path="images/Payaza-save-btn.png" />

**Step 8**: Click the “Test connection” button to test the gateway connection

<Note>
  This will automatically redirect you to the Payaza checkout page, and real funds will be processed, typically a small amount (e.g., ₦100), if you are in live mode.
</Note>

**Step 9**: Complete the test payment. Once successful, you will be redirected to the redirect URL you provided in Step 6.

**Step 10**: Navigate back to the Archefusion dashboard and click the “Add to my provider” button to add Payaza to your gateway list.

**Step 11**: Toggle the gateway status to “active” to start routing payments through Payaza.

**Step 12**: Copy the webhook URL displayed in the “Webhook URL” field and paste it into your Payaza dashboard under “Settings” > “Developers” > "Webhooks."
This allows Payaza to send payment event notifications to Archefusion on your behalf.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Payaza-webhook-url.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=4de6d975a542c664e0931c8204e1fd1f" alt="Payaza webhook url" width="1603" height="345" data-path="images/Payaza-webhook-url.png" />

***

## How to configure the Paystack gateway

**Step 1**: Log in to your [merchant account](https://app.archefusion.com/sign-in) and navigate to "Payment Gateways" > "Gateway Providers" > "All Gateways."

**Step 2**: Scroll through the list and select "Paystack."

**Step 3**: Click the "Credentials" option and select the "Test" tab.

<Note>
  Only select the "Live" tab when you are ready to process real payments.
</Note>

**Step 4**: Get your public and secret keys from your [Paystack dashboard](https://dashboard.paystack.com/#/login) and paste them into the "Public Key" and "Secret Key" fields.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Paystack-credentials.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=7fbe4e4fa4e362a8742b1295520d06c0" alt="Paystack credentials" width="1626" height="758" data-path="images/Paystack-credentials.png" />

**Step 5**: Provide a reference prefix. This is added to the transaction reference for every payment processed through the Paystack gateway.
For example, `Psk_`

**Step 6**: Provide your redirect URL in the "Redirect URL" field.

This is the URL on your server that Paystack redirects customers to after they complete payment on the checkout page. For example, your order confirmation or payment success page.

**Step 7**: Click "Save Changes" to save your credentials.

<img src="https://mintcdn.com/archefusion/qc-ohiyFQrBE-y52/images/Paystack-save-btn.png?fit=max&auto=format&n=qc-ohiyFQrBE-y52&q=85&s=f767b8fa682852af14e51f3c494c4b8b" alt="Save Paystack credentials" width="1646" height="673" data-path="images/Paystack-save-btn.png" />

**Step 8:** Click the "Test connection" button to to test the gateway connection.

<Note>
  This will automatically redirect you to the Paystack checkout page, and real funds will be processed, typically a small amount (e.g. ₦100), if you are in live mode.
</Note>

**Step 9**: Complete the test payment. Once successful, you will be redirected to the redirect URL you provided in Step 6.

**Step 10**: Navigate back to the Archefusion dashboard and click the "Add to my provider" button to add Paystack to your gateway list.

**Step 11:** Toggle the gateway status to "active" to start routing payments through Paystack.

**Step 12**: Copy the webhook URL displayed in the "Webhook URL" field and paste it into your [Paystack dashboard](https://dashboard.paystack.com/) under "Settings" > "API Keys & Webhooks" > "Webhook URL."

This allows Paystack to send payment event notifications to Archefusion on your behalf.

<img src="https://mintcdn.com/archefusion/bwYrW3yCY4ztyD7M/images/paystack-webhook-url.png?fit=max&auto=format&n=bwYrW3yCY4ztyD7M&q=85&s=ee4ae9dce6d06bf72d6ae1ea21b9bf78" alt="Paystack webhook url" width="1190" height="307" data-path="images/paystack-webhook-url.png" />

***

## Test mode vs. live mode

Archefusion offers both test mode and live mode for payment gateway connections.

Use the test mode environment to understand the gateway connection process and initiate and complete test payments without moving real funds.

When you are ready to accept real payments, provide your valid live API credentials, activate the gateway, and toggle the mode switch from Test to Live on the gateway configuration page. See the [Go live](/pages/go-live#step-1-activate-all-your-payment-gateways) page

<Card title="Next Step" icon="rocket" href="https://docs.archefusion.com/pages/smart-routing">
  Set your smart routing rules to define which gateway handles which payment, the order in which gateways should be attempted if one is unavailable, and how Archefusion should handle unresponsive gateways during routing.
</Card>