Collection - Standard Checkout

Standard checkout is a redirect flow:

Your backend creates a checkout session.
Payfonte returns a checkout URL.
You redirect the customer to that URL.
Customer completes payment and Payfonte notifies your system via webhook.

Why Use Standard Checkout?

Fastest Launch

Minimal frontend complexity. Your backend creates a checkout and redirects users.

Hosted Experience

Payfonte handles payment method UI and provider-specific interactions.

Reliable Status Updates

Use webhook events and transaction verification for final payment outcomes.

Integration Steps

Collect payment details on your backend

Prepare required fields like amount, currency, country, and customer information.

Create checkout session

Send a request to POST /payments/v1/checkouts with your client-id and client-secret.

Redirect customer

Redirect users to data.shortURL (or data.url) from the response.

Confirm final status

Process webhook notifications and/or verify transaction status before order fulfillment.

Create Checkout Request

curl --location 'https://sandbox-api.payfonte.com/payments/v1/checkouts' \
  --header 'client-id: <client-id>' \
  --header 'client-secret: <client-secret>' \
  --header 'Content-Type: application/json' \
  --data '{
    "reference": "ORDER-1001",
    "amount": 50000,
    "currency": "NGN",
    "country": "NG",
    "redirectURL": "https://yourapp.com/payment/complete",
    "webhook": "https://yourapp.com/webhooks/payfonte",
    "user": {
      "email": "customer@example.com",
      "phoneNumber": "2348012345678",
      "name": "John Doe"
    }
  }'

Sample response:

{
  "data": {
    "url": "https://checkout-staging.payfonte.com/payfusion/66579afe04916ddcfcf73e7b",
    "shortURL": "https://l.6bd.co/XXXXX",
    "reference": "ORDER-1001",
    "amount": 50000
  }
}

Parameter Reference

Field	Type	Required	Description
`reference`	string	Recommended	Unique transaction identifier from your system
`amount`	integer	Yes	Amount in minor units (no decimals)
`currency`	string	Yes	ISO currency code (for example `NGN`)
`country`	string	Yes	ISO country code (for example `NG`)
`user`	object	Yes	Customer object (email/phone/name fields)
`redirectURL`	string	No	Customer return URL after checkout
`webhook`	string	No	Per-transaction webhook override URL
`metadata`	object	No	Custom fields for your internal tracking

Amount Rule (Important)

Payfonte does not support decimal API amounts. Send integer minor-unit values only.

500.00 NGN -> 50000
1250.75 NGN -> 125075

See Amount Specification for full conversion rules.

After Redirect and Payment

Customer redirect result

After checkout, customer is redirected to your redirectURL with transaction context such as status and reference.

Webhook notification

If webhooks are configured, Payfonte sends asynchronous status updates to your webhook endpoint.

Final state verification

For critical flows, verify transaction status from your backend before shipping goods or crediting wallets.

Failed payment handling

If payment fails, allow user retry and keep your order state pending until final success is confirmed.

Production Best Practices

Practice	Why It Matters
Generate references server-side	Prevent duplicate references and improve reconciliation
Process webhook idempotently	Avoid duplicate order fulfillment on retries
Validate redirect parameters	Protect against malformed/forged client-side values
Use backend verification	Ensure final status before business-critical actions

Inline Checkout

Embedded checkout alternative for on-page payment.

Webhooks

Set up and validate payment event callbacks.

API Reference

Endpoint and schema details for checkout operations.

Getting Started

Core Concepts

Providers & Coverage

Development

Collect Payment

Disbursements

Collection - Standard Checkout

Why Use Standard Checkout?

Fastest Launch

Hosted Experience

Reliable Status Updates

Integration Steps

Create Checkout Request

Parameter Reference

Amount Rule (Important)

After Redirect and Payment

Production Best Practices

Inline Checkout

Webhooks

API Reference

​Why Use Standard Checkout?

Fastest Launch

Hosted Experience

Reliable Status Updates

​Integration Steps

​Create Checkout Request

​Parameter Reference

​Amount Rule (Important)

​After Redirect and Payment

​Production Best Practices

​Related Docs

Inline Checkout

Webhooks

API Reference

Why Use Standard Checkout?

Integration Steps

Create Checkout Request

Parameter Reference

Amount Rule (Important)

After Redirect and Payment

Production Best Practices

Related Docs