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ClaimFlow
PRECISION
SERIES 01/04 · SETTLEMENT ENGINE / MoMo v3

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.

MEAN LATENCY
<450ms
Zero human delay
PARSER ACCURACY
99.99%
MTN · Telecel · AT
DOUBLE-CREDITS
0.00
Atomic uniqueness lock
COVERAGE
100%
All Major Networks
DAEMON: ACTIVE | LATENCY: 38ms
01 // MoMo TELEMETRY INGESTION
AUTO-CAPTURE
MTN Mobile Money Just now

Payment received of GHS 150.00 from Elvis Brown (0244112233). Transaction ID: 2983748291. Ref: REF-ACC88102

TOKENIZED IN 12MS
Extracted Amount: 150.00 GHS
Transaction ID: 2983748291
Reference: REF-ACC88102
Sender Phone: 0244112233
AGENT: SIM LISTENER ● ONLINE
02 // CRYPTOGRAPHIC WEBHOOK DISPATCH
HTTP 200 SUCCESS
POST /api/webhook/claimflow X-ClaimFlow-Signature
{
  "event": "payment.settled",
  "order_id": "order_77615",
  "reference_code": "REF-ACC88102",
  "transaction_id": "2983748291",
  "amount": 150.00,
  "currency": "GHS",
  "timestamp": 1789709811
}
01 / DEDUP VAULT
Strict Lock
02 / HMAC SHA-256
Signed
03 / PIPELINE
<500ms
01 // ARCHITECTURE CAPABILITIES

Engineered For
Mobile Money Settlement

Four interlocking pillars that ensure every mobile money transaction is parsed, verified, deduplicated, and credited without failure.

01

Double-Credit Immunity

Strict atomic database-level unique indexing on MoMo transaction IDs. Once a confirmation ID is claimed, duplicate attempts fail instantly.

SPEC. A ATOMIC UNIQUE
02

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.

SPEC. B KOTLIN NATIVE
03

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.

SPEC. C HMAC SIGNED
04

Sub-500ms Settlement

High-speed micro-regex parsing pipelines without expensive third-party SMS aggregator fees. Orders are settled before customers switch apps.

SPEC. D <500MS PIPELINE
02 // THE ARCHITECTURE

How ClaimFlow Works

Three automated stages connecting customer Mobile Money transfers to your database.

01

Merchant Generates Reference

Your checkout API calls /generate-reference. You present instructions with a reference code (e.g. REF-ACC88102).

POST /backend/api/generate-reference.php
02

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.

POST /backend/api/verify-transaction.php
03

HMAC Webhook Credit

ClaimFlow matches amount & reference, locks transaction ID, and fires a signed webhook to fulfill and credit the user's order automatically.

EVENT: payment.settled (HTTP 200)
03 // DEVELOPER SDK & WEBHOOKS

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"
  }'
04 // PREDICTABLE PRICING

Simple Flat-Rate Plan

No percentage commission per transaction. Fixed monthly subscription for unlimited settlement claims.

MERCHANT PRO

Full Platform

Unlimited scale for modern e-commerce

GHS 18.50 / month
  • Unlimited Payment References
  • MTN MoMo, Telecel Cash & AT Money Support
  • Sub-500ms Instant HMAC Webhooks
  • Native Android Kotlin Daemon
  • Zero Transaction % Commissions
Create Merchant Account →

Frequently Asked Questions

ClaimFlow parses incoming payment SMS messages from MTN Mobile Money, Telecel Cash, and AT Money (AirtelTigo).
Every MoMo transaction ID (e.g. MTN 10-digit ID `2983748291` or Telecel ID) is locked in an atomic database unique index. If a customer or automated script submits the same SMS confirmation twice, the system permanently denies the duplicate claim.
Simply install our Android Background APK on the SIM device that receives your business MoMo alerts. It runs autonomously in the background and sends verified transaction payloads instantly to your ClaimFlow server.