Lekker Pay

South Africa has 60+ regional payment providers — PayFast, Paystack, Ozow, Yoco, Stitch — each with its own auth, webhook format, and onboarding hell. The average merchant burns R150,000 to R400,000 in developer fees just to integrate the bare minimum three providers. Stripe doesn't onboard SA merchants directly, six years after acquiring Paystack. Africa needs its own rail. Lekker Pay is an open-source Python library that unifies these fragmented providers behind one strict-typed API. Two adapters ship today, both production-grade. The PayFast adapter (721 lines, 98% coverage) is the reference implementation. The Paystack adapter (683 lines, 92% coverage, 1,002-line test suite) was generated by IBM Bob from three inputs: the provider's API documentation, our PayFast reference adapter, and a recipe document with 8 critical security rules and 5 universal footgun regression tests. The wedge isn't the library — it's the recipe. Anyone can hand Bob the same three inputs and ship a new conformant adapter in hours instead of weeks. All 111 of 111 tests pass on main. Total project coverage: 95%. Built on Python 3.12, FastAPI, Pydantic v2 (strict), httpx, structlog, PostgreSQL, Redis, pytest + respx, mypy strict, and ruff. Docker Compose spins the full stack in one command. MIT licensed and MCP-native by design — the first payments rail purpose-built for autonomous AI agents. Roadmap: hosted SaaS Q3 2026, MCP server Q4 2026, adapter marketplace and pan-African expansion Q1 2027. TAM: $1.5T African digital payments economy by 2030 (Mastercard / Genesis Analytics 2025). SOM target: $30–80M ARR by 2031 across South Africa, Nigeria, and Kenya. Repo: github.com/Dellie-Yah/lekker-pay-za. Submission deck and demo video included.