Soxara Developer Documentation

Soxara is Liberia’s WhatsApp-native financial platform. This site is the integration reference for merchants and developers building on top of it.

If you’re integrating Soxara payments into your product, you’re in the right place.

What you can build

Accept payments from your customers via card (Stripe), MTN Mobile Money, Orange Money, or Soxara wallet — through a single API.
Settle daily to your merchant account, with full transaction history per customer.
Receive webhooks when payments succeed, refunds land, or disputes open.
Send money to anyone with a WhatsApp number — recipients claim and onboard in one flow.


Quickstart	Make your first test payment in 15 minutes
Authentication	API keys, test mode vs live mode
API Reference	Endpoint reference
Webhooks	How Soxara notifies you of events

A few principles you’ll see repeated through these docs:

One key prefix tells the mode. sxm_live_* hits production rails. sxm_test_* hits sandbox rails. Same base URL, same endpoints, the prefix on the key determines which environment your request lands in. (more)
Phone is identity. Every Soxara user is identified by their E.164 phone number; OTP arrives via WhatsApp. No passwords, anywhere in the system. (more)
Money lives in cents. Every amount in every request and response is an integer in the currency’s minor unit. $1.00 is 100. Never use floats for money. (more)
All payment endpoints are idempotent. Send the same X-Idempotency-Key twice, get the same result back — the request only runs once. (more)

Soxara is operated by two legal entities. You’ll see both names in API responses, dashboards, and contracts:

Phoenix Hub Liberia, Inc. — Liberian operator. Holds the MTN and Orange Mobile Money relationships, runs local payment flows, and is the merchant of record for Liberia-side activity.
Cinrique Inc. — US (Delaware) infrastructure entity. Holds the Stripe account, issues virtual cards, and provides USD float for the platform.

Cinrique is silent infrastructure. End users only see Soxara.