​
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

​
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.

​
Universal Parameters

These parameters are required for all payment initializations regardless of the payment method:
​
amount
integer
required
Payment amount in minor units (e.g., cents, kobo)
  • Minimum: 100
  • Must be positive integer
  • Example: 10000 = $100.00 USD
​
currency
string
required
Three-letter ISO currency code
  • Supported: NGN, USD, CAD
  • Must match payment method
  • Example: “USD”
​
customer
object
required
Customer information object
​
description
string
required
Payment description
  • Maximum length: 200 characters
  • Will appear on statements
​
reference
string
required
Unique transaction reference
  • Must be unique per transaction
  • Maximum length: 50 characters
​
payment_method
object
required
Payment method details
​
type
string
required
  • Must be of type: ""
​
order
object
required
Order information object
​
metadata
object
Optional additional data
  • Nested objects allowed

​
Required Headers

HeaderDescriptionExample
AuthorizationYour API keysk_test_abc123...
Content-TypeRequest content typeapplication/json
Never expose your API key in client-side code. Always make API calls from your server.

​
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

​
Method-Specific Guides

For detailed implementation steps for each payment method, see:

Need Help?