Skip to Content
FetanPay 1.0 is released 🎉
FetanPay

FetanPay

Overview

FetanPay is an instant payment verification system designed for Ethiopian businesses to automate payment verification across multiple banks. The platform supports two user types: normal merchants (vendors) who use the dashboard interface, and developers who integrate via API.

Supported Banks: BOA (Bank of Abyssinia), Awash Bank, CBE (Commercial Bank of Ethiopia), Telebirr, and more

Documentation

This repository contains comprehensive documentation for the FetanPay project:

What FetanPay Does

FetanPay verifies that bank transfers have been completed across multiple Ethiopian banks. It does NOT:

  • Process payments
  • Hold funds
  • Transfer money
  • Act as a payment processor

FetanPay validates payments in two ways:

  1. Transaction ID Verification: Validates transaction references against bank records
  2. QR Code Verification: Scans and validates QR codes from bank receipts

The system confirms payments by checking:

  • Transaction existence
  • Amount accuracy
  • Sender account details
  • Receiver account details
  • Duplicate transaction prevention

Key Features

🚀 Instant Verification

Verify payments from multiple banks (BOA, Awash, CBE, Telebirr) in seconds. Two verification methods:

  • Transaction ID: Verify using transaction reference numbers
  • QR Code Scanning: Scan QR codes from bank receipts

🏦 Multi-Bank Support

Support for all Ethiopian banks, starting with:

  • BOA (Bank of Abyssinia)
  • Awash Bank
  • CBE (Commercial Bank of Ethiopia)
  • Telebirr
  • Extensible architecture for additional banks

🔒 Fraud Prevention

Prevent duplicate transaction usage and screenshot-based fraud with our anti-duplication system.

📱 Verifier Page (For Merchants)

Dedicated verification interface in the dashboard for normal merchants:

  • Transaction ID input and verification
  • QR code scanner for bank receipts
  • Real-time verification analysis
  • Verification history tracking

💰 Waiter Tip & Bonus Management (For Restaurants/Cafes)

Perfect for restaurants and cafes:

  • Waiters verify payments through admin dashboard
  • Tip input during payment verification
  • Automatic tip tracking per waiter
  • Daily/weekly/monthly tip reports
  • Admin approval system for bonuses
  • No separate UI needed for waiters

⚡ Real-time Webhooks

Get instant notifications when payments are verified. Integrate seamlessly with your systems.

💻 Developer-Friendly API

Simple REST API with comprehensive documentation. Get started in minutes, not days. 2 API keys provided for all plans.

📊 Analytics Dashboard

Track all your transactions, verification rates, and business metrics in one place.

How It Works

For Normal Merchants (Vendors)

  1. Setup Bank Accounts

    • Add your bank accounts in the dashboard (BOA, Awash, CBE, Telebirr, etc.)
    • Configure account details for each bank

  2. Customer Makes Payment

    • Customer makes a bank transfer to your account
    • Customer receives transaction reference and/or QR code

  3. Verify Payment (Two Methods)

    Method 1: Transaction ID

    • Go to verifier page in dashboard
    • Enter transaction reference/ID
    • Select bank
    • Click verify
    • View verification results

    Method 2: QR Code

    • Go to verifier page in dashboard
    • Scan QR code from bank receipt (or upload image)
    • System automatically detects bank and extracts details
    • View verification results

  4. View Results

    • Verification status displayed instantly
    • Transaction details shown
    • Verification history saved

For Developers (API Users)

  1. Get API Keys

    • Sign up for developer account
    • Obtain 2 API keys from dashboard

  2. Create Payment Intent

    • Create payment intent via API with amount and payer details

  3. Customer Makes Payment

    • Customer makes bank transfer
    • Customer provides transaction reference or QR code

  4. Verify Payment via API

    • Transaction ID: Submit transaction reference via API
    • QR Code: Submit QR code data via API
    • System validates against bank records

  5. Receive Notification

    • Get instant webhook notification when payment is verified
    • Check status via API

Quick Start

1. Get Your API Keys (For Developers)

  1. Sign up for a developer account
  2. Navigate to your dashboard
  3. Generate and copy your 2 API keys

2. Create a Payment Intent

const response = await fetch(
  "https://api.FetanPay.amixmon.com/v1/payment-intents",
  {
    method: "POST",
    headers: {
      Authorization: "Bearer YOUR_API_KEY",
      "Content-Type": "application/json",
    },
    body: JSON.stringify({
      amount: 1000.0,
      currency: "ETB",
      payer_name: "John Doe",
      payer_account: "1234567890",
    }),
  }
);
 
const paymentIntent = await response.json();

3. Verify Payment

Option A: Transaction ID Verification

const response = await fetch("https://api.fetanpay.com/v1/verifications", {
  method: "POST",
  headers: {
    Authorization: "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    payment_intent_id: paymentIntent.data.id,
    transaction_reference: "TXN123456789",
    bank_name: "CBE",
    amount: 1000.0,
    sender_account: "1234567890",
    receiver_account: "0987654321",
  }),
});
 
const verification = await response.json();

Option B: QR Code Verification

const response = await fetch("https://api.fetanpay.com/v1/verifications/qr", {
  method: "POST",
  headers: {
    Authorization: "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    payment_intent_id: paymentIntent.data.id,
    qr_code_data: "base64_encoded_qr_or_qr_string",
    bank_name: "CBE",
  }),
});
 
const verification = await response.json();

4. Handle Webhook (Optional)

app.post("/webhooks/FetanPay", (req, res) => {
  // Verify webhook signature
  const signature = req.headers["x-FetanPay-signature"];
 
  // Handle payment.verified event
  if (req.body.event === "payment.verified") {
    // Update your order status
    // Send confirmation email
    // etc.
  }
 
  res.status(200).send("OK");
});

API Endpoints

Bank Accounts (For Vendors)

  • GET /bank-accounts - List vendor’s bank accounts
  • POST /bank-accounts - Add a new bank account
  • PUT /bank-accounts/:id - Update bank account
  • DELETE /bank-accounts/:id - Delete bank account

Payment Intents

  • POST /payment-intents - Create a payment intent
  • GET /payment-intents/:id - Get payment intent details
  • GET /payment-intents - List payment intents

Verification

  • POST /verifications - Verify payment by transaction ID
  • POST /verifications/qr - Verify payment by QR code
  • GET /verifications/:id - Get verification details
  • GET /verifications - List verifications

Waiters (For Restaurants/Cafes)

  • POST /waiters - Create waiter
  • GET /waiters - List waiters
  • GET /waiters/:id - Get waiter details
  • PUT /waiters/:id - Update waiter
  • DELETE /waiters/:id - Delete waiter
  • GET /waiters/:id/tips - Get waiter tips
  • GET /waiters/:id/tips/daily - Get daily tips
  • POST /tips/:id/approve - Approve tip
  • GET /vendors/:id/tips-summary - Get tips summary

Webhooks

  • PUT /webhooks/configure - Configure webhook URL
  • GET /webhooks/events - List webhook events

For detailed API documentation, see technical-documentation.md

Authentication

All API requests require authentication using one of your API keys:

Authorization: Bearer YOUR_API_KEY

Or as a query parameter:

?api_key=YOUR_API_KEY

Note: All plans include 2 API keys. You can use different keys for different environments (production, development) or applications.

Webhooks

Configure webhook URLs in your merchant dashboard to receive real-time notifications for:

  • payment.verified - Payment successfully verified
  • payment.failed - Payment verification failed

Webhook Security

Always verify webhook signatures:

const crypto = require("crypto");
 
function verifyWebhookSignature(payload, signature, secret) {
  const expectedSignature = crypto
    .createHmac("sha256", secret)
    .update(JSON.stringify(payload))
    .digest("hex");
 
  return crypto.timingSafeEqual(
    Buffer.from(signature),
    Buffer.from(expectedSignature)
  );
}

Error Handling

The API uses standard HTTP status codes:

  • 200 - Success
  • 400 - Bad Request
  • 401 - Unauthorized
  • 404 - Not Found
  • 422 - Validation Error
  • 429 - Rate Limit Exceeded
  • 500 - Server Error

Error responses include detailed information:

{
  "error": {
    "code": "ERROR_CODE",
    "message": "Human-readable error message",
    "details": {}
  }
}

Rate Limiting

API requests are rate limited to ensure fair usage:

  • Default: 100 requests per minute per API key
  • Each of your 2 API keys has its own rate limit
  • Rate limit information is included in response headers

Pricing

  • Free Trial: 100 free verifications
  • Starter Plan: Pay-as-you-go pricing
  • Enterprise: Custom pricing for high-volume merchants

All plans include:

  • Full API access
  • 2 API keys
  • Webhook support (Starter and above)
  • Analytics dashboard
  • Frontend UI Package

Contact sales for enterprise pricing: https://FetanPay.amixmon.com/#contact 

Use Cases

E-commerce

Verify payments for online orders instantly, reducing manual verification time and improving customer experience.

Service Providers

Confirm payments for services rendered, automating the payment confirmation process.

Subscription Services

Verify recurring payments automatically, ensuring subscription continuity.

Marketplaces

Verify payments between buyers and sellers, providing trust and security.

Restaurants & Cafes

  • Verify customer payments instantly
  • Track tips for waiters automatically
  • Manage waiter bonuses efficiently
  • Daily tip reports and analytics
  • No separate UI needed for waiters

Security

  • API Key Security: Secure key generation and management (2 keys per account)
  • Webhook Security: Signature verification for all webhooks
  • Data Encryption: All data encrypted in transit (HTTPS)
  • Fraud Prevention: Built-in duplicate transaction detection
  • Rate Limiting: Protection against abuse

Important Disclaimers

  1. Not Affiliated with CBE: FetanPay is not affiliated with Commercial Bank of Ethiopia
  2. Verification Only: This platform verifies user-submitted payment receipts. It does not process, hold, or transfer funds
  3. No Fund Processing: FetanPay does not process payments or hold funds

Target Market

FetanPay is designed for two types of users:

Normal Merchants (Vendors)

  • Ethiopian businesses accepting bank transfers
  • Small to medium businesses
  • Retailers and service providers
  • Restaurants and cafes
  • Anyone who needs simple payment verification via dashboard

Waiters (Restaurants/Cafes)

  • Restaurant waiters verifying customer payments
  • Cafe staff handling payments
  • Service staff receiving tips
  • No separate dashboard needed - work through admin

Developers

  • E-commerce platforms
  • Payment gateway integrators
  • Fintech companies
  • Businesses needing programmatic payment verification
  • API-first integrations

Getting Started

For Normal Merchants (Vendors)

  1. Sign Up: Create a vendor account
  2. Add Bank Accounts: Add your bank accounts (BOA, Awash, CBE, Telebirr, etc.) in the dashboard
  3. (Optional) Add Waiters: If running a restaurant/cafe, add your waiters
  4. Use Verifier Page: Navigate to the verifier page to verify payments
  5. Verify Payments: Use transaction ID or QR code scanning to verify payments
  6. (Optional) Input Tips: For restaurants/cafes, input tip amount during verification
  7. Track History: View verification history and analytics
  8. (Optional) Manage Tips: View and approve waiter tips/bonuses

For Restaurants/Cafes with Waiters

  1. Setup: Restaurant admin creates account and adds waiters
  2. Daily Operations: Waiters verify payments through admin dashboard
  3. Tip Input: During verification, waiter inputs tip amount (if any)
  4. End of Day: Waiters request admin to view their accumulated tips
  5. Admin Approval: Admin reviews and approves tips for payment
  6. Bonus Distribution: Admin processes bonus payments to waiters

For Developers

  1. Sign Up: Create a developer account
  2. Get API Keys: Generate your 2 API keys from the dashboard
  3. Read Documentation: Review the technical documentation
  4. Integrate: Use the API to integrate payment verification
  5. Test: Test your integration with sample transactions
  6. Go Live: Start verifying payments in production
  • Overview - Start here to understand what FetanPay is
  • Features - Complete feature list with technical details
  • FetanPay Analysis - Learn about the inspiration/competitor
  • Technical Docs - API documentation and technical architecture
  • Pricing - Pricing plans and information

License

© 2025 FetanPay. All rights reserved.

Note: This documentation is based on analysis of the FetanPay website and API documentation. For the most up-to-date information, please refer to the official FetanPay documentation at https://FetanPay.amixmon.com/docs/v1 

Last updated on