Kenya Payments (Flutterwave — M-Pesa)

Create a payment link in KES for Kenya via Flutterwave. Buyer pays with M-Pesa (the rail Kenya actually uses), cards, bank transfer. Returns a hosted checkout URL the buyer opens to pay — payment completes automatically, no confirm step. Bring your own credentials via HTTP header (x-flutterwave-secret-key; free test credentials from dashboard.flutterwave.com never move real money). Money always flows buyer→Flutterwave→merchant; this service never touches funds.

Check whether a Kenya payment (created by create_payment_link) has been paid. Queries Flutterwave directly — pull-based, no webhook needed. paid=true when status is PAID.

Refund a paid payment (created by create_payment_link). Full refund by default; pass amount for a partial refund where supported. Refunds respect the same owner policy guardrails (x-agentpay-max-amount) as payments — the amount is checked before anything is sent to the gateway.