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💳 Payments & FinTech

Payments & FinTech AI

14 African markets via PawaPay + 195 countries via Stripe. platform rules splits. M2M payments. Zero platform markup.

195
countries
14
African markets
2.5%
DT only
<500ms
settlement
PCI-DSSPSD2FCACBNFATFAML
// Real-time agents

Active right now

These agents are running for Payments & FinTech customers 24/7. platform rules earnings on every execution.

Active agents

Payment RouterAuto
Fraud DetectorAuto
Reconciliation AgentAuto
Chargeback HandlerAuto
FX Rate MonitorAuto
Compliance CheckerAuto
// How it works

Problem → Solution → Outcome

// Problem
Sending £50 to Nigeria via SWIFT costs £25 and takes 3-5 days.
// Solution
ForceDream routes payments via PawaPay (1.8% fee, 3-second settlement) with platform rules revenue splits.
// Outcome
87% cheaper. 99.9% faster. platform rulesly governed. 80% to you on every transaction.
// Deploy in 3 steps

From zero to payments AI in minutes

1
Install SDK
Python 3.8+ or Node 18+. Includes the Payments module.
pip install "forcedream[payments]"
npm install @forcedream/payments
2
Configure credentials
Get your key free at app.forcedream.ai.
shell
export FD_API_KEY="fd_live_..."
export FD_SOLUTION="payments"
3
Deploy your first agent
platform rules 80% floor enforced on every call [L828].
terminal
fd deploy payment-router
# ✅ Live — earning 80% [L828-FLOOR]
// Code examples

Real Payments AI code

from forcedream import PaymentAgent

# Route payment to cheapest available rail
agent = PaymentAgent(api_key="fd_live_...")

# Intelligent payment routing
result = agent.route_payment(
    amount=5000,  # £50.00
    currency="GBP",
    destination={"country": "NG", "method": "mobile_money"},
    rails=["pawapay", "stripe", "mtn"]  # auto-selects cheapest
)
print(f"Rail: {result.rail} | Fee: {result.fee_pct:.1f}% | ETA: {result.eta_seconds}s")
# Rail: pawapay | Fee: 1.8% | ETA: 3s
curl -X POST https://api.forcedream.ai/api/v1/payments/route \
  -H "Authorization: Bearer fd_live_..." \
  -d '{
    "amount": 5000,
    "currency": "GBP",
    "destination": {"country": "NG", "method": "mobile_money"},
    "rails": ["pawapay", "stripe", "mtn"]
  }'
// Built for how you work

Pick your path

🏗
For Payments CTOs

Multi-rail architecture. Sub-500ms settlement. 99.97% uptime. PCI-DSS compliant. Stripe and PawaPay native.

  • Multi-rail: Stripe + PawaPay + MTN + 6 more
  • Sub-500ms settlement via African rails
  • PCI-DSS compliant — never store card data
  • Automatic failover across payment rails
Start building →
pip install forcedream
fd deploy payments
✅ Earning 80% per call [L828]
📋
For Compliance & AML Teams

PCI-DSS, PSD2, FCA, CBN compliance. AML screening on every transaction. FATF travel rule. WORM audit trail.

  • PCI-DSS: card data via Stripe only — never stored
  • AML screening: OFAC/UN/EU/HMT + CBN watchlists
  • FATF travel rule for cross-border transfers
  • WORM audit trail for every transaction decision
Start building →
pip install forcedream
fd deploy payments
✅ Earning 80% per call [L828]
🛠
For Payments Developers

Payments SDK with multi-rail routing, fraud detection, reconciliation, and platform rules split enforcement.

  • pip install forcedream[payments]
  • Pre-built: multi-rail routing, fraud, reconciliation
  • PawaPay and Stripe webhook handlers included
  • platform rules split SDK — L828 built-in
Start building →
pip install forcedream
fd deploy payments
✅ Earning 80% per call [L828]
// Compliance & certifications

Enterprise-ready from day one

PCI-DSS
Card data handled exclusively via Stripe. ForceDream never stores card data.
Compliant
PSD2
Strong Customer Authentication (SCA) and Open Banking compliance for EU payments
Compliant
FCA
Electronic Money Institution guidance compliance for UK payment flows
Compliant
CBN
Central Bank of Nigeria regulations for NGN payment processing
Compliant
FATF
FATF travel rule compliance for cross-border transfers above threshold
Compliant
AML
Real-time AML screening on all payment flows above £1,000
Compliant

platform rulesly governed — L828

Every Payments AI deployment enforces the ForceDream constitution. 80% earnings floor. 2.5% DT. WORM-sealed. Cannot be changed.

80% dev floor [L828] 2.5% DT WORM-sealed
⚡ 99.97% uptime guaranteed
SLA credits if we miss. Read SLA →
<100ms
p95 latency
24/7
monitoring
WORM
every call
// Integrates with your payments stack

Works with what you already use

💳Stripe📱PawaPay📡MTN MoMo🇳🇬Paystack🌊Wave Money🍊Orange Money
// Pricing

Start free. Scale to enterprise.

Free
£0/month
No credit card. Start immediately.
  • Core Payments AI agents
  • 1,000 API calls/month
  • Community support
  • 7-day log retention
  • Priority routing
  • Compliance docs
Start free →
Enterprise
Custom
Custom · dedicated rail
  • Dedicated cluster
  • Custom SLA (up to 99.99%)
  • All compliance docs included
  • On-prem deployment available
  • Dedicated Slack support (1h)
  • Annual contract · monthly invoice
Contact enterprise →
// Frequently asked questions

Everything you need to know

Stripe (195 countries), PawaPay (14 African markets), MTN MoMo (17 markets), Paystack (Nigeria, Ghana, Kenya, SA), Wave (West Africa), Orange Money (West Africa), and 6 more.

Every payment: 2.5% Dream Tax + 17.5% platform + 80% to you. Enforced by L828-IMMUTABLE code — not a contract.

No minimum. Even £0.02 per API call is processed. Stripe's minimum applies for card payments (30p).

The payment agent queries live rates and settlement times across all available rails and routes to the optimal one based on your preference (speed vs cost vs reliability).

Automatic failover to next available rail in <200ms. WORM-sealed failover log. Customer never sees the failure.

Live FX rates from Reuters/Bloomberg. FX conversion at real-time mid-market rate. Spread: 0.5% on Stripe, 0% on local rails.

Implement this solution as agents
Agent Studio has a pre-built payments template. Design → test → deploy in minutes.
🏗️ Open in Studio →
Need this at enterprise scale?
All 22 products, dedicated cluster, 99.99% SLA, named account manager, GDPR DPA, and HIPAA BAA at contract.
Enterprise Bundle →