Direct Charge Example Payloads

Use these payload templates when calling: POST /payments/v1/payments/direct-charge

Common Payload (Most Providers)

{
  "reference": "ORDER-1001",
  "amount": 10000,
  "provider": "mtn-momo-ivory-coast",
  "webhook": "https://yourapp.com/webhooks/payfonte",
  "narration": "Order payment",
  "customerInput": {
    "phoneNumber": "2250512345678"
  }
}

Orange Pre-OTP Payload

Orange providers may require a customer-generated code before request submission.

USSD guidance

Orange Senegal: #144#391#
Orange Mali: #144#77#
Orange Burkina Faso: *144*4*6*amount#

On sandbox, any random 6-digit code can be used for testing.

{
  "reference": "ORDER-1003",
  "amount": 10000,
  "provider": "orange-senegal",
  "webhook": "https://yourapp.com/webhooks/payfonte",
  "narration": "Order payment",
  "customerInput": {
    "phoneNumber": "786175702",
    "customerCode": "<6-digit-code>"
  }
}

Field Reference

Field	Type	Required	Notes
`reference`	string	Recommended	Must be unique per transaction
`amount`	integer	Yes	Minor-unit value only
`provider`	string	Yes	Use slug from Supported Providers
`webhook`	string	No	Per-request webhook override
`narration`	string	No	Human-readable transaction note
`customerInput.phoneNumber`	string	Usually Yes	Format based on provider/country
`customerInput.network`	string	Provider-specific	Required for some specific flows like bank transfer
`customerInput.customerCode`	string	Provider-specific	Required for Orange pre-OTP flows

Validation Checklist Before Sending

Amount format

Send integer minor-unit amounts only. Decimals are not supported.

Provider slug

Ensure provider matches a valid slug from Supported Providers.

Required customerInput fields

Confirm provider-specific fields exist (phoneNumber, network, customerCode) before sending request.

Reference uniqueness

Generate unique references to prevent duplicate transaction errors.

Direct Charge API

Request flow and response/action handling.

Processing Flows

Processing, redirect, bankTransfer, and pre-OTP behavior.

Amount Specification

Minor-unit conversion rules for all amounts.

Getting Started

Core Concepts

Providers & Coverage

Development

Collect Payment

Disbursements

Direct Charge Example Payloads

Common Payload (Most Providers)

Orange Pre-OTP Payload

USSD guidance

Field Reference

Validation Checklist Before Sending

Direct Charge API

Processing Flows

Amount Specification

​Common Payload (Most Providers)

​Orange Pre-OTP Payload

​USSD guidance

​Field Reference

​Validation Checklist Before Sending

​Related Docs

Direct Charge API

Processing Flows

Amount Specification

Common Payload (Most Providers)

Orange Pre-OTP Payload

USSD guidance

Field Reference

Validation Checklist Before Sending

Related Docs