# mfidoc — Zung.ai MFI platform docs

> Developer documentation for the Zung core banking platform used by microfinance institutions (MFIs) and SACCOs. Two REST APIs: the Banking API (staff bearer token, base https://app.zung.ai/connector/api/banking) and the Member Mobile API (member token from POST /login, base https://app.zung.ai/api/mobile). Items marked [planned] are not live — never generate code that calls them.

Key rules: send `Accept: application/json`; list endpoints return {data, meta:{current_page,last_page,per_page,total}} with per_page max 100; money-moving POSTs (repayment, deposit, withdraw) accept `client_ref` — reuse it on retries to avoid double posting; Banking API is rate-limited to 600 requests/minute per token.

- [OpenAPI — Banking API](https://mfidoc.com/openapi.json)
- [OpenAPI — Member Mobile API](https://mfidoc.com/openapi.json?api=mobile)

## User Manual
- [How to use this manual](https://mfidoc.com/doc/manual-how-to-use): What the Zung User Manual covers, how it is organised, and the conventions used on every page.
- [Navigating Zung](https://mfidoc.com/doc/manual-navigation): The dashboard, sidebar, branch switching, search, notifications and your profile.
- [Roles in an MFI or SACCO](https://mfidoc.com/doc/manual-roles): The typical user roles, what each one does in Zung and the permissions they usually need.
- [Go-live checklist](https://mfidoc.com/doc/manual-first-day-checklist): Everything to set up — in order — before your first member walks in.
- [Organisation settings](https://mfidoc.com/doc/manual-organisation-settings): Name, base currency, financial year, time zone, date format and accounting method for the whole institution.
- [Branches](https://mfidoc.com/doc/manual-branches): Create business locations, and set each branch’s contact details and loan limits.
- [Users, roles and permissions](https://mfidoc.com/doc/manual-users-roles): Create roles from permissions, add staff users, limit them to branches and turn on two-factor authentication.
- [Payment types](https://mfidoc.com/doc/manual-payment-types): Cash, M-Pesa, bank and cheque channels — and why the “is cash” flag matters for tellers.
- [Funds and loan purposes](https://mfidoc.com/doc/manual-funds-purposes): Where loan money comes from, and why members borrow — both needed before you create loans.
- [Notifications and SMS](https://mfidoc.com/doc/manual-notifications): Templates for SMS and email to members — receipts, reminders and approvals.
- [Custom fields](https://mfidoc.com/doc/manual-custom-fields): Capture extra information your institution needs on members and accounts.
- [Backups](https://mfidoc.com/doc/manual-backups): Create, download and delete database backups.
- [Registering a member](https://mfidoc.com/doc/manual-register-member): Create an individual or business member at a branch — every field explained.
- [KYC and member records](https://mfidoc.com/doc/manual-kyc): Identity documents and their review, next of kin, employment, bank details and supporting documents.
- [Member statuses and portal access](https://mfidoc.com/doc/manual-member-status): What pending, active, inactive, dormant, closed and deceased mean — and giving members a portal login.
- [Groups and centers](https://mfidoc.com/doc/manual-groups-centers): Solidarity groups, centers and their meeting schedules for group lending.
- [Creating a loan product](https://mfidoc.com/doc/manual-loan-products): Every field on the loan product form — terms, interest, grace periods, repayment strategy and approval.
- [Product accounting (GL mappings)](https://mfidoc.com/doc/manual-product-accounting): What each general-ledger account on a loan or savings product is for.
- [Loan charges and penalties](https://mfidoc.com/doc/manual-loan-charges): Fees and penalties: when they are charged and how they are calculated.
- [Credit checks and formulas](https://mfidoc.com/doc/manual-credit-checks): Automatic checks on applications, and rule formulas for eligibility, fee adjustments and disbursement limits.
- [Loan calculator](https://mfidoc.com/doc/manual-loan-calculator): Preview a repayment schedule before creating a loan.
- [The loan lifecycle](https://mfidoc.com/doc/manual-loan-lifecycle): Every loan status, how a loan moves between them, and which actions can be undone.
- [Creating a loan application](https://mfidoc.com/doc/manual-loan-application): Capture a loan for a member or group, within the product’s limits.
- [Approving and rejecting loans](https://mfidoc.com/doc/manual-loan-approval): The credit decision: approval officers, approved amount, rejection, withdrawal and bulk approval.
- [Disbursing a loan](https://mfidoc.com/doc/manual-loan-disbursement): Paying out an approved loan, signatures, top-ups and undoing a disbursement.
- [Recording repayments](https://mfidoc.com/doc/manual-loan-repayments): Single, bulk and imported repayments, how money is allocated, editing and reversing.
- [Charges, interest and waivers](https://mfidoc.com/doc/manual-loan-charges-waivers): Adding a charge to one loan, waiving charges and interest, and editing interest transactions.
- [Rescheduling and variable schedules](https://mfidoc.com/doc/manual-loan-rescheduling): Restructure a loan’s terms, add instalments or grace, or edit individual instalments.
- [Write-off and recovery](https://mfidoc.com/doc/manual-loan-writeoff): Removing uncollectable loans from the portfolio, and recording recoveries afterwards.
- [Guarantors, collateral and documents](https://mfidoc.com/doc/manual-guarantors-collateral): Securing a loan with guarantors and collateral, notes, files and signatures.
- [Servicing: officer, transfer and closing](https://mfidoc.com/doc/manual-loan-servicing): Changing the loan officer, transferring loans, closing, statements and the activity log.
- [Creating a savings product](https://mfidoc.com/doc/manual-savings-products): Interest, compounding and posting, lock-in, compulsory vs voluntary savings, overdraft and accounting.
- [Savings charges](https://mfidoc.com/doc/manual-savings-charges): Activation, withdrawal, periodic and inactivity fees.
- [Opening and managing savings accounts](https://mfidoc.com/doc/manual-savings-accounts): Application, approval, activation, dormancy and closing — with the status flow.
- [Deposits and withdrawals](https://mfidoc.com/doc/manual-deposits-withdrawals): Posting money in and out of savings — single, bulk and imported — and correcting mistakes.
- [Calculating and posting interest](https://mfidoc.com/doc/manual-interest-posting): Running interest on savings accounts and checking it before it is credited.
- [Fixed deposits](https://mfidoc.com/doc/manual-fixed-deposits): Term deposit products and accounts: rates, lock-in, interest and early withdrawal.
- [Share capital](https://mfidoc.com/doc/manual-shares): Share products, purchases, bulk purchases and approvals for SACCOs and cooperatives.
- [Member wallets](https://mfidoc.com/doc/manual-wallets): Electronic wallets for transfers, mobile payments and standing orders.
- [Standing orders](https://mfidoc.com/doc/manual-standing-orders): Automatic recurring transfers from a wallet to a loan or savings account.
- [Dividends](https://mfidoc.com/doc/manual-dividends): Declaring a dividend on share capital and paying it to members.
- [AGM management](https://mfidoc.com/doc/manual-agm): Planning the annual general meeting and recording its resolutions.
- [Loan insurance](https://mfidoc.com/doc/manual-loan-insurance): Recording credit life and other cover on loans.
- [Vaults](https://mfidoc.com/doc/manual-vaults): The branch’s main cash store: opening balance and adjustments.
- [Opening and closing a till](https://mfidoc.com/doc/manual-tills): A teller’s daily cycle: opening float, cash transactions, closing count and variance.
- [Chart of accounts](https://mfidoc.com/doc/manual-chart-of-accounts): Account types, GL codes, subtypes and opening balances.
- [Journal entries and transfers](https://mfidoc.com/doc/manual-journal-entries): Manual double-entry journals, reversals and account transfers.
- [Bank reconciliation and budgets](https://mfidoc.com/doc/manual-reconciliation-budget): Matching the ledger to bank statements, and tracking performance against budget.
- [Loan loss provisioning](https://mfidoc.com/doc/manual-provisioning): Provisioning runs: arrears buckets, provision rates and posting the provision.
- [Expenses and other income](https://mfidoc.com/doc/manual-expenses-income): Recording operating expenses and non-loan income by category.
- [Running and exporting reports](https://mfidoc.com/doc/manual-reports-overview): Filters, exporting, printing and who can see which reports.
- [Portfolio and risk reports](https://mfidoc.com/doc/manual-portfolio-reports): PAR, aging, arrears, balances outstanding and loan classification.
- [Collections and repayment reports](https://mfidoc.com/doc/manual-collections-reports): What is due, what was paid and expected cash flow.
- [Disbursement and portfolio lists](https://mfidoc.com/doc/manual-disbursement-reports): Disbursements, pipeline, funds and lists of loans by status.
- [Savings, deposit and share reports](https://mfidoc.com/doc/manual-savings-reports): Transactions, balances and statements for savings, fixed deposits and shares.
- [Financial statements](https://mfidoc.com/doc/manual-financial-reports): Trial balance, profit and loss, balance sheet, cash flow, ledger, journal, ageing and budget.
- [Executive hub and audit trail](https://mfidoc.com/doc/manual-executive-audit): Board-level dashboards and the record of who did what.
- [Bulk imports and data migration](https://mfidoc.com/doc/manual-imports): Moving members, loans and savings from spreadsheets or an old system — and importing daily bulk transactions.
- [AML monitoring](https://mfidoc.com/doc/manual-aml): Automatic anti-money-laundering flags across savings, loan and wallet transactions.
- [Compliance engine](https://mfidoc.com/doc/manual-compliance-engine): Six health checks with pass, warn and fail thresholds.
- [Islamic finance](https://mfidoc.com/doc/manual-islamic-finance): Shariah-compliant financing, profit-sharing deposits, pools, charity and zakat.
- [CRM, campaigns and bulk SMS](https://mfidoc.com/doc/manual-crm): Leads, follow-ups, campaigns, bulk SMS and workflows for member growth.
- [HR, projects, help desk and assets](https://mfidoc.com/doc/manual-hr-admin): Staff leave, attendance and payroll; projects; support tickets; fixed assets.
- [Zung Store, integrations and the Developer Hub](https://mfidoc.com/doc/manual-store-integrations): Installing plugins, connecting integrations and building on the APIs.

## Banking API
- [GET /me — Get signed-in staff user](https://mfidoc.com/doc/banking-me): Returns the staff user that owns the token, their institution, branch access and permissions.
- [GET /account-status — Get subscription status](https://mfidoc.com/doc/banking-account-status): Whether the institution's subscription is active, and which modules it includes.
- [POST /2fa/send — Send a 2FA code](https://mfidoc.com/doc/banking-2fa-send): Sends a one-time code to the staff user. Limited to 5 requests a minute.
- [POST /2fa/verify — Verify a 2FA code](https://mfidoc.com/doc/banking-2fa-verify): Completes two-factor sign-in. Limited to 5 attempts a minute.
- [POST /logout — Revoke token](https://mfidoc.com/doc/banking-logout): Signs the staff user out and revokes the bearer token.
- [GET /members — List members](https://mfidoc.com/doc/list-members): Paginated list of members visible to the signed-in staff user (respects branch permissions).
- [GET /members/{id} — Get member profile](https://mfidoc.com/doc/get-member): Full member profile with accounts, KYC, next of kin and documents.
- [POST /members — Create member](https://mfidoc.com/doc/create-member): Registers an individual or business member at a branch.
- [PUT /members/{id} — Update member](https://mfidoc.com/doc/update-member): Updates a member. Takes the same fields as Create member.
- [GET /members/stats — Member statistics](https://mfidoc.com/doc/member-stats): Counts of members by status for the signed-in user's branches.
- [GET /members/form-options — Member form options](https://mfidoc.com/doc/member-form-options): Branches, groups, loan officers, genders and marital statuses to build a member form.
- [POST /members/status — Change member status](https://mfidoc.com/doc/member-status): Activates, deactivates or blacklists members in bulk.
- [POST /members/{id}/kyc — Upload KYC document](https://mfidoc.com/doc/add-kyc): Attaches an identity document (national ID, passport, etc.) to a member.
- [PUT /kyc/{kyc}/status — Review KYC document](https://mfidoc.com/doc/kyc-status): Approves or rejects a member's KYC document.
- [POST /members/{id}/next-of-kin — Add next of kin](https://mfidoc.com/doc/add-next-of-kin): Records a member's next of kin.
- [POST /members/{id}/work-details — Add employment details](https://mfidoc.com/doc/add-work-details): Employer, income and work status, used in loan appraisal.
- [POST /members/{id}/bank-details — Add bank details](https://mfidoc.com/doc/add-bank-details): A member's external bank account for disbursements.
- [POST /members/{id}/login — Create member portal login](https://mfidoc.com/doc/add-member-login): Gives a member a login for the mobile app and member portal.
- [POST /members/{id}/documents — Upload member document](https://mfidoc.com/doc/add-member-document): Stores any supporting document against a member.
- [GET /savings — List savings accounts](https://mfidoc.com/doc/list-savings): Paginated savings accounts with balances.
- [GET /savings/{id} — Get savings account](https://mfidoc.com/doc/get-savings): One savings account with its product, balance and recent transactions.
- [POST /savings/apply — Open savings account](https://mfidoc.com/doc/apply-savings): Opens a savings account for a member.
- [POST /savings/{id}/deposit — Record a deposit](https://mfidoc.com/doc/savings-deposit): Posts a deposit to a savings account. Send client_ref to make retries safe.
- [POST /savings/{id}/withdraw — Record a withdrawal](https://mfidoc.com/doc/savings-withdraw): Posts a withdrawal. Product rules (minimum balance, notice) are enforced.
- [POST /savings/{id}/{action} — Approve, activate or close account](https://mfidoc.com/doc/savings-action): Moves a savings account through its lifecycle.
- [GET /loans — List loans](https://mfidoc.com/doc/list-loans): Paginated loans with status, principal and outstanding balance.
- [GET /loans/{id} — Get loan](https://mfidoc.com/doc/get-loan): One loan with schedule, charges, guarantors and transactions.
- [POST /loans/apply — Create loan application](https://mfidoc.com/doc/apply-loan): Starts a loan application for a member.
- [POST /loans/{id}/{action} — Approve, disburse or reject loan](https://mfidoc.com/doc/loan-action): Moves a loan through appraisal, approval and disbursement.
- [POST /loans/{id}/repayment — Record a repayment](https://mfidoc.com/doc/loan-repayment): Posts a repayment and allocates it to penalties, fees, interest and principal per the product's rules.
- [GET /loans/{id}/pro-rata-dues — Pro-rata dues](https://mfidoc.com/doc/loan-pro-rata-dues): Interest and fees due if the loan were settled on a given date.
- [POST /loans/{id}/ai-insight — AI loan insight](https://mfidoc.com/doc/loan-ai-insight): An AI-written appraisal summary of the loan and member history for the credit committee.
- [GET /overview/portfolio-at-risk — Portfolio at risk (PAR)](https://mfidoc.com/doc/portfolio-at-risk): Outstanding balance in arrears bucketed by PAR 1, 30, 60 and 90. Cached for 10 minutes.
- [GET /overview/totals — Dashboard totals](https://mfidoc.com/doc/overview-totals): Members, active loans, portfolio outstanding, savings and collections for a date range.
- [GET /overview/member-growth — Member growth](https://mfidoc.com/doc/member-growth): New members per month.
- [GET /overview/loans-chart — Disbursed vs collected](https://mfidoc.com/doc/loans-chart): Monthly loans released against loans collected for a year.
- [GET /overview/pending-loans — Pending loans](https://mfidoc.com/doc/pending-loans): Loans awaiting approval or disbursement.
- [GET /payment-types — List payment channels](https://mfidoc.com/doc/payment-types): Active payment types (cash, M-Pesa, bank, cheque). Use the id as payment_type_id.
- [GET /accounts/options — Account product options](https://mfidoc.com/doc/accounts-options): Loan and savings products a member can apply for.

## Member Mobile API
- [POST /login — Member sign-in](https://mfidoc.com/doc/mobile-login): Exchanges a member's login and password for a bearer token.
- [GET /me — Get signed-in member](https://mfidoc.com/doc/mobile-me): The member profile behind the token.
- [POST /logout — Member sign-out](https://mfidoc.com/doc/mobile-logout): Revokes the member's token.
- [GET /dashboard — Member dashboard](https://mfidoc.com/doc/mobile-dashboard): Balances across loans, savings, shares and wallets in one call.
- [GET /loans — My loans](https://mfidoc.com/doc/mobile-loans): The member's loans with balances and next due date.
- [GET /loans/{id} — My loan detail](https://mfidoc.com/doc/mobile-loan): One loan with its repayment schedule.
- [GET /savings — My savings](https://mfidoc.com/doc/mobile-savings): The member's savings accounts.
- [GET /shares — My shares](https://mfidoc.com/doc/mobile-shares): Share capital held by the member (SACCOs).
- [GET /fixed-deposits — My fixed deposits](https://mfidoc.com/doc/mobile-fixed-deposits): Fixed deposits with maturity dates.
- [GET /wallets — My wallets](https://mfidoc.com/doc/mobile-wallets): The member's wallets and balances.
- [GET /statement — Account statement](https://mfidoc.com/doc/mobile-statement): A combined statement across the member's accounts.
- [GET /loans/products — Loan products](https://mfidoc.com/doc/mobile-loan-products): Loan products the member can apply for.
- [POST /loans/preview — Preview a loan](https://mfidoc.com/doc/mobile-loan-preview): Instalment, interest and fees for an amount and term before applying. 30 requests a minute.
- [POST /loans/apply — Apply for a loan](https://mfidoc.com/doc/mobile-loan-apply): Submits a loan application from the member's phone.
- [POST /applications/{type} — Apply for savings or fixed deposit](https://mfidoc.com/doc/mobile-apply-product): type is savings or fixed-deposits. 20 requests a minute.
- [POST /applications/{type}/{id}/cancel — Cancel an application](https://mfidoc.com/doc/mobile-cancel-application): Withdraws a pending loan, savings or fixed deposit application.
- [POST /wallets/{id}/transfer — Transfer from wallet](https://mfidoc.com/doc/mobile-wallet-transfer): Moves money from the member's wallet, e.g. to repay a loan or fund savings. 20 requests a minute.

## Webhooks
- [webhook.test](https://mfidoc.com/doc/webhook-test): Sent from the Developer Hub to check your endpoint is reachable. The request carries an X-Zung-Event header.
- [loan.disbursed](https://mfidoc.com/doc/loan-disbursed) [planned]: When a loan is disbursed to a member's wallet, bank or mobile money.
- [repayment.received](https://mfidoc.com/doc/repayment-received) [planned]: When a repayment is posted and matched to a loan.
- [loan.par_flagged](https://mfidoc.com/doc/loan-par-flagged) [planned]: When a loan crosses a PAR threshold (30, 60 or 90 days).
- [member.kyc_verified](https://mfidoc.com/doc/member-kyc-verified) [planned]: When a member's KYC document is approved.
- [savings.deposit](https://mfidoc.com/doc/savings-deposit-event) [planned]: When a deposit is posted to a savings account from any channel.
- [aml.alert_raised](https://mfidoc.com/doc/aml-alert-raised) [planned]: When AML screening flags a member or transaction.

## Guides
- [Your first API call](https://mfidoc.com/doc/first-api-call): Get a token, call /me, then list your members — in under five minutes.
- [Offline-safe repayments with client_ref](https://mfidoc.com/doc/offline-safe-repayments): Field officers and branches on unreliable connections can retry a repayment without ever double-posting it.
- [Recording M-Pesa repayments](https://mfidoc.com/doc/mpesa-repayments): Map M-Pesa confirmations to repayments using payment types and receipt codes.
- [Member onboarding with KYC](https://mfidoc.com/doc/member-onboarding-kyc): Create a member, attach ID documents, review KYC and give the member a mobile login.
- [Building a PAR dashboard](https://mfidoc.com/doc/par-dashboard): Pull portfolio at risk and disbursed-vs-collected data into your own BI tool.

## SDKs
- [JavaScript / TypeScript](https://mfidoc.com/doc/sdk-javascript) [planned]: Typed client for Node.js 18+ and browsers.
- [PHP](https://mfidoc.com/doc/sdk-php) [planned]: Composer package for PHP 8.1+ with a Laravel service provider.
- [Python](https://mfidoc.com/doc/sdk-python) [planned]: Python 3.9+ client with async support.

## Integration kits
- [M-Pesa repayment collections](https://mfidoc.com/kit/mpesa-collections): Members pay with M-Pesa and repayments land on the right loan automatically, with the confirmation code as the receipt.
- [Offline branch & field collections](https://mfidoc.com/kit/offline-field-collections): Loan officers capture repayments and deposits with no signal and sync later — never double-posting.
- [Standing orders: wallet-to-loan and savings sweeps](https://mfidoc.com/kit/standing-orders): Automatically move a fixed amount from a member’s wallet to their loan or savings on a schedule.
- [Member onboarding with KYC](https://mfidoc.com/kit/member-onboarding-kyc): Register members at a branch or in the field with ID documents, next of kin and employment details.
- [Member mobile app & portal](https://mfidoc.com/kit/member-mobile-app): Members check balances, download statements and apply for loans from their phone.
- [Group lending & solidarity groups](https://mfidoc.com/kit/group-lending): Run joint-liability groups and centers with meeting-based disbursement and collection.
- [AI-assisted loan appraisal](https://mfidoc.com/kit/ai-loan-appraisal): A written summary of the member's history and the loan's risk, ready for the credit committee.
- [Guarantors & collateral](https://mfidoc.com/kit/guarantors-collateral): Record guarantors and collateral against each loan and see exposure per guarantor.
- [Credit bureau (CRB) checks](https://mfidoc.com/kit/credit-bureau-check) [planned]: Pull a member's credit report during appraisal and submit monthly data to the bureau.
- [PAR & board pack](https://mfidoc.com/kit/par-board-pack): Portfolio at risk, disbursed vs collected and member growth for monthly board meetings.
- [Loan loss provisioning](https://mfidoc.com/kit/loan-loss-provisioning): Bucket loans by days past due and compute the provision with Zung’s built-in provisioning runs.
- [AML monitoring & compliance checks](https://mfidoc.com/kit/aml-monitoring): Flag unusual transactions and run compliance checks across the portfolio.
- [SMS repayment reminders](https://mfidoc.com/kit/sms-reminders): Remind members before the due date and confirm every payment by SMS.
- [WhatsApp & conversational banking](https://mfidoc.com/kit/whatsapp-banking) [beta]: Members ask for balances and statements in a chat.
- [USSD member menu](https://mfidoc.com/kit/ussd-menu) [planned]: Balance, mini-statement and loan repayment for members without smartphones.
- [Dividends & interest on deposits](https://mfidoc.com/kit/dividends): Compute and pay year-end dividends on shares and interest on member deposits.
- [AGM management](https://mfidoc.com/kit/agm-management): Plan the annual general meeting, record attendance and capture resolutions.
- [Share capital](https://mfidoc.com/kit/share-capital): Track members' share purchases, transfers and balances.
- [Deposit-taking SACCO](https://mfidoc.com/kit/template-deposit-taking-sacco): Savings-led cooperative with share capital, loans multiplied off deposits, dividends and an AGM.
- [Credit-only MFI](https://mfidoc.com/kit/template-credit-only-mfi): Individual and SME lending with collections, provisioning and PAR reporting.
- [Group lender / chama / VSLA](https://mfidoc.com/kit/template-group-lender): Joint-liability groups organised into centers, with meeting-day collections.
- [Islamic microfinance](https://mfidoc.com/kit/template-islamic-mfi): Shariah-compliant financing and profit-sharing deposits with no interest.
- [Digital lender](https://mfidoc.com/kit/template-digital-lender): Mobile-first lending: apply in the app, appraise with AI support, disburse and collect by mobile money.
- [Multi-branch network or group](https://mfidoc.com/kit/template-mfi-network): Several institutions or a large branch network under one account, with your own branding.

## Open-source clients and libraries (MIT)
- [zung-ai/zung-member-api](https://github.com/zung-ai/zung-member-api): OpenAPI spec plus PHP and Node.js clients for the Zung Member API: member login, loans, repayment schedules, loan applications, savings and wallets for SACCOs and MFIs.
    - Install (PHP): `composer config repositories.zung-member-api vcs https://github.com/zung-ai/zung-member-api && composer require zung/zung-php:dev-master`
    - Install (Node.js): `git clone https://github.com/zung-ai/zung-member-api.git && npm install ./zung-member-api/node`
- [zung-ai/zung-loan-schedule](https://github.com/zung-ai/zung-loan-schedule): Loan repayment schedules in PHP and Node.js: flat and reducing balance (equal instalments or equal principal), grace periods, daily interest and fixed instalments — matching Zung core banking to the cent.
    - Install (PHP): `composer config repositories.zung-loan-schedule vcs https://github.com/zung-ai/zung-loan-schedule && composer require zung/loan-schedule:dev-master`
    - Install (Node.js): `git clone https://github.com/zung-ai/zung-loan-schedule.git && npm install ./zung-loan-schedule/node`
- [zung-ai/paymfi-php](https://github.com/zung-ai/paymfi-php): PHP client for the PayMfi eWallet & Payments API: signed requests, hosted checkout, server-side verification and webhook signature checks.
    - Install (PHP): `composer require paymfi/paymfi-php`
- [zung-ai/paymfi-node](https://github.com/zung-ai/paymfi-node): Node.js client for the PayMfi eWallet & Payments API: signed requests, hosted checkout, server-side verification and webhook signature checks.
    - Install (Node.js): `npm install github:zung-ai/paymfi-node`

## Optional
- [MFI glossary](https://mfidoc.com/glossary): definitions of PAR, provisioning, group lending, SACCO and Islamic finance terms
- [Pricing](https://mfidoc.com/pricing)
- [Changelog](https://mfidoc.com/changelog)