Sandbox now open to developers

A Payment Gateway for Today.
A Wealthier Tomorrow.

Instant Pay by Bank checkout for South African merchants — with every eligible purchase feeding the Wealth Rotation System for SAMBO members.

Start in sandbox Try the checkout

Estimated WRS allocation

R90.00

Designed for every major SA bankFNBStandard BankAbsaNedbankCapitecTymeBankDiscoveryInvestec

Everything you need to accept bank payments.

Instant Pay by Bank

Customers approve in their banking app. No cards, no chargebacks from stolen card details.

Merchant dashboard

Live volume, refunds, payouts, payment links and team access in one place.

Developer-first API

Idempotent REST API, amounts in cents, clear errors and sandbox keys in seconds.

Signed webhooks

Real-time events with HMAC signatures, retries and duplicate protection.

Wealth Rotation System

Eligible purchases generate profit-participation allocations for SAMBO members.

Built for compliance

Designed around POPIA, PASA and partner-bank requirements, with full audit trails.

Integrate in an afternoon.

Create a payment, redirect to Stratum Checkout, and receive a webhook when the bank confirms.

Hosted checkout or API
JavaScript & Python examples
Sandbox with simulated banks

Apply for sandbox access

const payment = await stratum.payments.create({
  amount_minor: 250000,   // R2,500.00
  currency: "ZAR",
  merchant_id: "mch_demo_7890",
  member_id: "mbr_demo_4567",
}, { idempotencyKey: crypto.randomUUID() });

// → redirect to payment.checkout_url