Via Directpay API

When initiating payment via API, you'll need your application secret key which can be retrieved from the dashboard. Once payment is initiated, mono will return a link to the connect widget that can be presented to your customers to select their bank and give consent for the debit.

If you don't have an app, click here to learn how to create one

Initiating a one time debit

curl --request POST \
     --url https://api.withmono.com/v1/payments/initiate \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --header 'mono-sec-key: live_sk_djjddHgIgYMOziqGJVBNZ' \
     --data '
{
  "amount": "2000",
  "type": "onetime-debit",
  "description": "wallet top up",
  "reference": "4847584848483RA",
  "meta":{
    "reference":"xyz"
  }
}
'

Response

{
  "id": "txreq_3vQUr9EjI0mzdmnpTgbGBgkD",
  "type": "onetime-debit",
  "amount": 20000,
  "description": "wallet top up",
  "reference": "4847584848483RA",
  "payment_link": "https://connect.withmono.com/?key=live_pk_H2KYeL0JF6Tvq0&scope=payments&data=%7B%22amount%22%3A20000%2C%22description%22%3A%22wallet%20top%20up%22%2C%22type%22%3A%22onetime-debit%22%2C%22reference%22%3A%224847584848483RA%22%7D",
  "meta":{
		"reference":"xyz"
   },
  "created_at": "2021-08-02T06:59:37.910Z",
  "updated_at": "2021-08-02T06:59:37.910Z",
}

👍
Using the Payment link
The payment link generated allows consumers to access the Mono connect widget to select their bank and give consent for money movement.

🚧
Verifying Payment
Please ensure to verify the payment status via the verify payment endpoint before proceeding to give value for the payment.

API reference

For more detailed information, head to our API reference to test it out
https://docs.mono.co/reference/initiate-payment