Every serious African product ends up wiring both Paystack and Flutterwave for coverage and better rates, then rewriting the same fragile glue each time - different APIs, webhook signatures, and currency units. pay-kit removes that: one typed SDK over both providers to collect money (initialize, verify, refunds) and send it out (bank payouts and transfers), with signature-verified webhooks and automatic provider fallback so a Paystack outage does not stop you taking money. Amounts stay subunit-safe to kill rounding bugs, everything is fully typed, and it ships to npm with a green test suite.