Built for Somali businesses
Get paid into your own wallet.
We confirm every payment.
Customers pay you directly through Somali mobile money or bank transfer. FalagStar Pay reads the payment confirmation on your phone, matches it to the right order and tells your website it's paid. No manual checking, and we never touch your money.
- Funds held by us
- $0
- Typical confirmation
- Seconds
- Actions audited
- 100%
Money goes straight to you
Customers pay your own mobile money or bank account.
Confirmed, not guessed
Unclear payments go to review, never auto-approved.
Every step on record
A permanent audit trail you can check any time.
How it works
From sign-up to your first confirmed payment
Four steps. No new bank account, no change to how your customers pay.
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Step 1
Register your business
Enter your business name, phone and website, then create your login.
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Step 2
Get verified
Our team reviews every merchant. You can see your status in your dashboard.
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Step 3
Connect wallet & phone
Add your mobile money number or bank account, and install the Listener app on the phone that receives your payment SMS.
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Step 4
Get paid automatically
Customers pay you directly. Matching payments are confirmed and your website is updated.
Where your money goes, and where it doesn't
Payment and confirmation travel on two separate paths. FalagStar Pay is only on the second one.
Payment
Customer
Pays by mobile money or bank
Your account
Receives the money
Confirmation
Your phone
Receives the payment SMS
FalagStar Pay
Verifies & matches
Your website
Marks the order paid
Security & transparency
Designed so a payment is only marked paid when it really is
We are open about how verification works and where its limits are. When something doesn't add up, a person reviews it instead of the system guessing.
Your money, your wallet
Customers pay straight into your own mobile money or bank account. We never hold, move or have access to your funds.
Exact matching only
A payment is confirmed only when the amount, payer number, wallet and time match exactly one open order.
Signed device messages
Your phone signs every message with its own secret key. Altered or replayed messages are rejected.
Encrypted & short-lived
Device keys and SMS text are encrypted in our database. Raw SMS text is deleted after 90 days.
Permanent audit trail
Approvals, logins, confirmations and reviews are recorded and cannot be edited or deleted.
Your data stays yours
Every merchant is fully isolated, and customer phone numbers are masked on screen.
What the Listener app reads
- Only "payment received" messages from your mobile money or bank provider
- From them: amount, payer number, time and reference
- The phone's battery and connection status, so you know it's online
What we never see
- Your mobile money or banking PIN, or any login codes
- Personal SMS, contacts, photos or calls
- Your money: we cannot send, hold or reverse payments
For developers
One API call to start a payment
Create a payment from your backend, send the customer to the hosted checkout, then check the status. Works with any language that can make an HTTPS request.
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Simple REST API
JSON in, JSON out, secured with a secret API key.
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Safe to retry
Idempotency keys stop the same order from being created twice.
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Verify on your server
Always confirm the final status through the API, never from the browser.
curl -X POST https://pay.falagstar.com/api/v1/payments \
-H "Authorization: Bearer fsp_live_…" \
-H "Idempotency-Key: order-1042" \
-d amount_minor=1500 -d currency=USD \
-d order_ref=1042 \
-d return_url=https://academy.falagstar.com/paid
# Response
{
"id": "pay_01jcz8q3w…",
"status": "pending",
"amount_minor": 1500,
"checkout_url": "https://pay.falagstar.com/c/pay_01jcz8q3w…"
}Questions merchants ask
Does FalagStar Pay hold my money?
No. Customers pay directly into your own mobile money or bank account. FalagStar Pay only checks the confirmation message and tells your website the order is paid.
Which payment methods are supported?
Somali mobile money wallets and bank accounts. Providers are added one at a time; contact us to ask about yours.
What happens if my phone is offline?
The Listener app saves payment messages on the phone and sends them as soon as it is back online. Messages that arrive late are checked by a person before anything is marked paid.
What if a customer pays the wrong amount?
Only exact amounts are confirmed automatically. Wrong amounts, unknown numbers or unclear cases go to a review queue where you or our team can approve or reject them.
Why does my account need approval?
We check every business before it can take payments. This protects customers and keeps fraudulent merchants off the platform. You can see your status in your dashboard at any time.
Do I need a website?
No. You can also share a payment link by WhatsApp or SMS, and the customer pays through the same secure checkout.
Start accepting confirmed mobile money and bank payments
Registration takes about two minutes. We'll review your business and let you know when you're approved.