haron889/Africa-Sub

- add development setup steps - define branching and PR rules # Africa **Developer-first payments infrastructure for Africa** Paycraft is a Stripe-inspired payments API designed for African developers. It makes it easy to accept **M-Pesa and card payments** using clean APIs, predictable webhooks, and a powerful sandbox environment. > Built for developers. Designed for reliability. Kenya-first, Africa-ready. --- ## ✨ Features - 🇰🇪 **M-Pesa STK Push** (Paybill & Till ready) - 💳 Card payments (Visa & Mastercard – roadmap) - 🧪 **Full sandbox mode** (no real money) - 🔁 Webhooks with retries & signature verification - 🔐 Secure API key authentication - ♻️ Idempotent requests (no double charges) - 📚 Stripe-style developer documentation --- ## 🧠 Philosophy (Why Paycraft?) Most payment gateways in Africa are built for **merchants and sales teams**. Paycraft is built for: - Developers - Startups - SaaS products - Marketplaces - Fintech MVPs **Docs before dashboards. APIs before UI. Reliability before features.** --- ## 🏗️ Architecture Overview Client App ↓ Paycraft API ↓ Sandbox Engine (test mode) OR PSP / M-Pesa (live mode) ↓ Webhook System ↓ Merchant Server Copy code - Test mode never touches real M-Pesa - Live mode integrates via licensed PSPs - Webhooks are the source of truth --- ## 🚀 Quickstart ### 1. Get API Keys Create an account and get your keys: - `sk_test_xxx` → Sandbox - `sk_live_xxx` → Production ⚠️ Never expose secret keys in frontend code. --- ### 2. Install SDK (Node.js) ```bash npm install paycraft 3. Initialize Client Copy code Js import Paycraft from "paycraft"; const paycraft = new Paycraft({ secretKey: process.env.PAYCRAFT_SECRET_KEY }); 4. Create an M-Pesa Payment Copy code Js const payment = await paycraft.payments.create({ amount: 1500, currency: "KES", method: "mpesa", phone: "254712345678", reference: "ORDER_1021", callback_url: "example.com" }); Customer receives an STK push to confirm the payment. 🔄 Payment Lifecycle Copy code created → pending → successful fa …