Mutwave

About this project

Every provider, one API.

Accepting payments usually means picking one provider and wiring up its SDK, webhooks and quirks, then doing it all again when you add a second. Mutwave puts one consistent API in front of the providers. You send the same charge request whichever provider handles it, get back a checkout URL to send your customer to, and receive a webhook the moment the payment is confirmed.

How it works

Everything in Mutwave belongs to an app, one per product you build. Each app has a testing key and a production key. Whichever key you send decides whether a charge runs against sandbox data or reaches a real provider, so you can build and test end to end before switching to Live mode. A Test/Live switch in the dashboard filters charges the same way.

For each provider, you choose between Mutwave's shared keys, so you can start charging straight away, or bringing your own keys to use your own merchant account.

Personalization built in

Every email, SMS and push notification your customers get about a payment is templated in the dashboard, in your own words. AI fills in the dynamic placeholders, such as names, amounts and references.

The dashboard

• Customers: profiles, transaction history and sessions for each customer, plus real-time chat support.
• Transactions and wallet: every charge in Test or Live mode, with Excel export.
• Integrations: connect Paystack, Flutterwave, Squad, OPay, Monnify and Mono, each with its own webhook setup.
• Personalization: email, SMS and push notification templates.
• Team, security and billing: invite teammates, two-factor authentication, API key management and identity verification.

Built for developers

• Docs: full documentation and an interactive API reference, with guides for each provider and for transfers.
• Official SDKs: JavaScript (@mutwave/js), Next.js (@mutwave/nextjs), Express (@mutwave/express), React Native / Expo (@mutwave/react-native) and PHP (mutwave/php).
• Community: hackathons with registration, team invites and project submissions, plus a blog.

Under the hood

• Frontend: Next.js, TypeScript, Tailwind CSS and Radix UI.
• Backend: Node.js / Express with MongoDB.
• Real-time: Socket.IO for live updates.
• Notifications: Firebase for push, Nodemailer and a dedicated email worker for email.
• Security: JWT auth, TOTP two-factor and rate limiting.

Key features