SantimPay Integration Guide

SantimPay is a fast-growing Ethiopian payment gateway providing direct omnichannel settlement across Awash Bank, Dashen Bank, Telebirr, and debit cards with automated multi-party split payouts.

---

Capabilities

Feature	Supported	Notes
Web Checkout	✅ Yes	Hosted checkout modal redirect
Direct Debit / Mobile Money	✅ Yes	Direct Telebirr, Awash, Dashen routing
Currencies	ETB, USD	Ethiopian Birr and US Dollar
Automated Split Payouts	✅ Yes	Programmatic vendor split payouts
Sandbox Environment	✅ Yes	testservices.santimpay.com

---

Configuration

In your Zirzir project dashboard or via the API:

{
  "merchant_id": "YOUR_SANTIM_MERCHANT_ID",
  "token": "YOUR_API_BEARER_TOKEN",
  "private_key": "-----BEGIN RSA PRIVATE KEY-----\n..."
}

---

Initiating a Charge

TypeScript

import { Zirzir } from '@zirzir/sdk';

const zirzir = new Zirzir({
  baseUrl: 'http://localhost:8080',
  apiKey: process.env.ZIRZIR_API_KEY!,
});

const tx = await zirzir.charge({
  provider: 'santimpay',
  amount: 500,
  currency: 'ETB',
  txRef: 'ORD-SANTIM-001',
  phone: '0911223344',
  description: 'Order #ORD-SANTIM-001',
});

console.log('Checkout URL:', tx.paymentUrl);

cURL

curl -X POST http://localhost:8080/api/v1/payments \
  -H "X-API-Key: zz_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "provider": "santimpay",
    "amount": 500.0,
    "currency": "ETB",
    "reference": "ORD-SANTIM-001",
    "customer_phone": "0911223344"
  }'