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Overview

Before capturing a payment, you must first initialize a payment session with customer and transaction details. The initialization process:

  1. Validates the payment request

  2. Creates a session identifier

  3. Sets up the appropriate payment flow

  4. Returns payment session details

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Supported Payment Methods

Cards

Credit and Debit cards[Visa & Mastercard]

Bank Transfers

Direct bank transfers.

  • NGN bank accounts.

  • International wires.

  • ACH transfers.

Stablecoins

Cryptocurrency Stablecoins

Binance Pay

Direct Binance integration.

  • Multiple currencies.

  • Instant settlement.

Interac e-Transfer

Canadian bank transfers via Interac.

  • Email money transfer.

  • Instant deposits.

Mobile Money

Coming soon!

  • Multiple providers.

  • Regional support.

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Universal Parameters

These parameters are required for all payment initializations regardless of the payment method:

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amount
integer
required

Payment amount in minor units (e.g., cents, kobo)

  • Minimum: 100

  • Must be positive integer

  • Example: 10000 = $100.00 USD

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currency
string
required

Three-letter ISO currency code

  • Supported: NGN, USD, CAD

  • Must match payment method

  • Example: “USD”

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customer
object
required

Customer information object

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description
string
required

Payment description

  • Maximum length: 200 characters

  • Will appear on statements

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reference
string
required

Unique transaction reference

  • Must be unique per transaction

  • Maximum length: 50 characters

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payment_method
object
required

Payment method details

  • Type required

  • Additional fields vary by method

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metadata
object

Optional additional data

  • Maximum size: 10KB

  • Nested objects allowed

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Required Headers

HeaderDescriptionExample
AuthorizationYour API keyBearer sk_test_abc123...
Content-TypeRequest content typeapplication/json

Never expose your API key in client-side code. Always make API calls from your server.

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Basic Flow

1

Initialize Payment

Create payment session with customer and transaction details

2

Handle Authentication

Complete any required authentication steps (3DS, OTP, etc.)

3

Capture Payment

Finalize the payment after successful authentication

4

Handle Response

Process success/failure and update your system

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Method-Specific Guides

For detailed implementation steps for each payment method, see:

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