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Sanwo

Choosing a Provider

Sanwo supports six payment providers. Each one is a separate package you install alongside the core SDK. Swapping providers is a one-line change.

Provider comparison

Section titled “Provider comparison”
Provider Package Regions Currencies Minor units natively?
Paystack @sanwohq/paystack Africa NGN, GHS, ZAR, USD, KES Yes
Flutterwave @sanwohq/flutterwave Africa + Global 12+ (NGN, USD, GHS, KES, ZAR, GBP, EUR, …) No (Sanwo converts)
Stripe @sanwohq/stripe Global 20+ (USD, EUR, GBP, NGN, INR, …) Yes
Razorpay @sanwohq/razorpay India INR, USD, EUR + more Yes
Monnify @sanwohq/monnify Nigeria NGN No (Sanwo converts)
Interswitch @sanwohq/interswitch Nigeria NGN Yes

Amount handling

Section titled “Amount handling”

You always pass amounts in minor units (kobo, cents, paise). Sanwo handles conversion for providers that expect major units.

// You always write this — regardless of provider:
const options = {
  amount: 500000, // 5,000.00 NGN in kobo
  currency: "NGN",
  customer: { email: "customer@example.com" },
};
  • Paystack, Stripe, Razorpay, Interswitch accept minor units natively, so Sanwo passes the value through.
  • Flutterwave, Monnify expect major units, so Sanwo divides by 100 before sending to the provider.

You never need to think about this. Just pass minor units.

Paystack

Section titled “Paystack”

Best for businesses in Africa. Supports cards, bank transfers, mobile money, and USSD.

Terminal window
npm i @sanwohq/paystack
 
import { paystack } from "@sanwohq/paystack";


const provider = paystack({ publicKey: "pk_test_xxx" });

Supported currencies: NGN, GHS, ZAR, USD, KES

Payment methods: Cards, bank transfer, mobile money, USSD, QR

Flutterwave

Section titled “Flutterwave”

Broad coverage across Africa with global reach. Supports 12+ currencies and multiple payment methods.

Terminal window
npm i @sanwohq/flutterwave
 
import { flutterwave } from "@sanwohq/flutterwave";


const provider = flutterwave({ publicKey: "FLWPUBK_TEST-xxx" });

Supported currencies: NGN, USD, GHS, KES, ZAR, GBP, EUR, TZS, UGX, RWF, XAF, XOF, and more

Payment methods: Cards, bank transfer, mobile money, USSD, Mpesa, bank account

Stripe

Section titled “Stripe”

The most widely used payment platform globally. Supports 135+ currencies and dozens of payment methods including Apple Pay, Google Pay, and local methods.

Terminal window
npm i @sanwohq/stripe
 
import { stripe } from "@sanwohq/stripe";


const provider = stripe({ publicKey: "pk_test_xxx" });

Stripe requires a server-side Payment Intent before checkout. Your backend creates the Payment Intent using your secret key, then passes the clientSecret to the frontend:

const result = await sanwo.checkout({
  amount: 100000, // 1,000.00 USD in cents
  currency: "USD",
  customer: { email: "customer@example.com" },
  sanwoProviderOptions: {
    clientSecret: "pi_xxx_secret_xxx", // from your server
  },
});

Supported currencies: USD, EUR, GBP, CAD, AUD, JPY, NGN, INR, ZAR, KES, GHS, and 120+ more

Payment methods: Cards, Apple Pay, Google Pay, bank transfer, SEPA, iDEAL, Klarna, Afterpay, Cash App, Link

Razorpay

Section titled “Razorpay”

The go-to provider for India. Supports UPI, net banking, wallets, and international cards.

Terminal window
npm i @sanwohq/razorpay
 
import { razorpay } from "@sanwohq/razorpay";


const provider = razorpay({ keyId: "rzp_test_xxx" });

Supported currencies: INR, USD, EUR, GBP, SGD, and more

Payment methods: UPI, cards, net banking, wallets, EMI, pay later

Monnify

Section titled “Monnify”

Nigeria-focused provider with strong bank transfer support.

Terminal window
npm i @sanwohq/monnify
 
import { monnify } from "@sanwohq/monnify";


const provider = monnify({
  apiKey: "MK_TEST_xxx",
  contractCode: "1234567890",
});

Supported currencies: NGN

Payment methods: Cards, bank transfer, USSD, phone number

Interswitch

Section titled “Interswitch”

One of Nigeria’s oldest payment processors. Used widely in enterprise and government.

Terminal window
npm i @sanwohq/interswitch
 
import { interswitch } from "@sanwohq/interswitch";


const provider = interswitch({
  merchantCode: "MX_TEST_xxx",
  payItemID: "Default_Payable_MX_xxx",
});

Supported currencies: NGN

Payment methods: Cards, Verve, bank transfer

Swapping providers

Section titled “Swapping providers”

The whole point of Sanwo is that switching providers is trivial. Your checkout code stays the same — only the import changes.

// Before: Paystack
import { paystack } from "@sanwohq/paystack";
const provider = paystack({ publicKey: "pk_test_xxx" });


// After: Flutterwave
import { flutterwave } from "@sanwohq/flutterwave";
const provider = flutterwave({ publicKey: "FLWPUBK_TEST-xxx" });

Everything else — CheckoutOptions, CheckoutResult, your UI code — remains untouched.

Don’t see your provider?

Section titled “Don’t see your provider?”

You can build a custom provider for any payment gateway. A provider is just a plain object with an HTML template — no SDK needed.

Build a Custom Provider →