We have launched Somonly (somonly.com), a payment gateway for acquiring in Tajikistan. It brings together more than 26 payment and banking services in one API: mobile banks, Visa and Mastercard cards, Apple Pay and Google Pay, the SmartPay QR code and account-number payments. Customers from Russia pay in roubles via SBP and Russian bank cards, and a new project can accept payments 5 minutes after it is connected.
Why we built Somonly
Dushanbe Soft launches new products almost every week: shops, delivery, education and taxi services. SmartPay issues only one API key per merchant, so every project used to need its own processing integration with its own webhooks, signatures, retries and reports. Somonly solves this once: projects connect to the gateway, and the gateway connects to processing.
How it works
The gateway supports two payment flows through one integration.
- Online invoice payment: the project creates a payment with POST /payments, the customer pays via a link or a deeplink in their banking app, and the project receives a payment.paid webhook
- Account-number payment: the customer finds the service in Alif Mobi or another bank and enters an account number, and Somonly routes the request to the right project by the account prefix
- Payments from Russia via Pay4Game: SBP and Russian Mir, Visa and Mastercard cards in roubles, with the same API and the same webhooks
What a project gets
Somonly takes care of the processing integration, security and notification delivery, so the project team can focus on the product.
- Its own sm_live_… key for every project: the SmartPay key is stored only in the gateway, and projects cannot see each other's payments
- HMAC-SHA256 signed webhooks, redelivery and idempotency by order_id, so a payment is never duplicated
- A log of requests and webhooks, an admin panel, statistics by project and bank, and full and partial refunds
- API documentation with cURL, PHP (Laravel) and Node.js examples, and a client cabinet with payments, balance, payouts and keys