Settle Mobile Money
With Absolute Precision.
Read incoming SMS against rules you define, and relay matching transactions straight to your own webhook — perfect for routing MTN MoMo, Telecel Cash, and AT Money payment notifications directly into your systems in real-time.
Payment received of GHS 150.00 from Elvis Brown (0244112233). Transaction ID: 2983748291. Ref: REF-ACC88102
{
"event": "payment.settled",
"order_id": "order_77615",
"reference_code": "REF-ACC88102",
"transaction_id": "2983748291",
"amount": 150.00,
"currency": "GHS",
"timestamp": 1789709811
}
Engineered For
Mobile Money Settlement
Four interlocking pillars that ensure every mobile money transaction is parsed, verified, deduplicated, and credited without failure.
Double-Credit Immunity
Strict atomic database-level unique indexing on MoMo transaction IDs. Once a confirmation ID is claimed, duplicate attempts fail instantly.
Native SIM Agent Fleet
Deploy our native Android Kotlin background listener on your merchant SIM phone for 24/7 autonomous SMS streaming and immediate tokenization.
HMAC-SHA256 Security
Every webhook dispatched to your server carries an SHA-256 HMAC cryptographic signature in the headers, securing your backend against forgery and replay.
Sub-500ms Settlement
High-speed micro-regex parsing pipelines without expensive third-party SMS aggregator fees. Orders are settled before customers switch apps.
How ClaimFlow Works
Three automated stages connecting customer Mobile Money transfers to your database.
Merchant Generates Reference
Your checkout API calls /generate-reference. You present instructions with a reference code (e.g. REF-ACC88102).
Agent Reads & Parses SMS
Payer transfers exact funds. Your Android Kotlin daemon on your merchant SIM phone automatically parses the confirmation message in real-time.
HMAC Webhook Credit
ClaimFlow matches amount & reference, locks transaction ID, and fires a signed webhook to fulfill and credit the user's order automatically.
Integrate in 5 Lines of Code
Copy-pasteable webhook signature verification in PHP, Node.js, Python, and cURL.
// ClaimFlow Webhook Verification in PHP
<?php
$secret = 'whsec_your_webhook_secret_key';
$payload = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_CLAIMFLOW_SIGNATURE'] ?? '';
$expectedSignature = hash_hmac('sha256', $payload, $secret);
if (hash_equals($expectedSignature, $signature)) {
$event = json_decode($payload, true);
// Verified! Fulfill order
fulfillOrder($event['order_id'], $event['amount']);
http_response_code(200);
} else {
http_response_code(401); // Invalid signature
}
// ClaimFlow Webhook Verification in Node.js / Express
const crypto = require('crypto');
app.post('/webhook', express.raw({ type: 'application/json' }), (req, res) => {
const secret = 'whsec_your_webhook_secret_key';
const signature = req.headers['x-claimflow-signature'];
const expectedSignature = crypto
.createHmac('sha256', secret)
.update(req.body)
.digest('hex');
if (crypto.timingSafeEqual(Buffer.from(expectedSignature), Buffer.from(signature))) {
const event = JSON.parse(req.body.toString());
// Process payment event
res.status(200).json({ received: true });
} else {
res.status(401).send('Bad Signature');
}
});
# ClaimFlow Webhook Verification in Python / FastAPI
import hmac, hashlib
from fastapi import FastAPI, Request, HTTPException
app = FastAPI()
@app.post("/webhook")
async def claimflow_webhook(request: Request):
secret = b"whsec_your_webhook_secret_key"
signature = request.headers.get("X-ClaimFlow-Signature", "")
payload = await request.body()
expected = hmac.new(secret, payload, hashlib.sha256).hexdigest()
if not hmac.compare_digest(expected, signature):
raise HTTPException(status_code=401, detail="Invalid signature")
data = await request.json()
# Fulfill order
return {"status": "success"}
# Generate a Payment Reference via cURL
curl -X POST https://claimflow.browndatahub.com/backend/api/generate-reference.php \
-H "Content-Type: application/json" \
-H "X-API-KEY: cf_live_your_api_key_here" \
-d '{
"amount": 150.00,
"currency": "GHS",
"order_id": "order_77615"
}'
Simple Flat-Rate Plan
No percentage commission per transaction. Fixed monthly subscription for unlimited settlement claims.
Full Platform
Unlimited scale for modern e-commerce
- ✓ Unlimited Payment References
- ✓ MTN MoMo, Telecel Cash & AT Money Support
- ✓ Sub-500ms Instant HMAC Webhooks
- ✓ Native Android Kotlin Daemon
- ✓ Zero Transaction % Commissions