Payment Methods, Wallets, and Mandates

Tinker Payments normalizes payment orchestration across gateway providers while preserving provider-specific capabilities such as wallets and mandates where available.

Method Families

  • Cards: one-time and recurring card payments through connected PSPs.
  • Mobile money: mobile wallet payment rails (for example, M-Pesa).
  • Bank transfers: account-to-account or virtual account settlement flows where supported.
  • Wallet balances: subscription wallet flows via wallet endpoints in supported currencies.

Mandates (Recurring Consent)

For recurring charges, store and reference provider mandate identifiers according to your subscription billing policy and local regulations. Treat mandate updates and revocations as lifecycle events in your system.

Recommended payment method metadata
{
  "payment_method": {
    "type": "mobile_money",
    "provider": "mpesa",
    "country": "KE"
  },
  "wallet": {
    "currency": "KES",
    "balance_reference": "wal_123"
  },
  "mandate": {
    "id": "mdt_123",
    "status": "active"
  }
}