🔁Standard Integration

Overview

Moneroo Standard is our "standard" payments flow that redirects your customer to a Moneroo-hosted payments page.

Here's how it works:

1. From your server, call the payment initialization endpoint with the payment details.

2. We'll return a link to a payment page. Redirect your customer to this link to make the payment.

3. Upon completion of the transaction, we'll redirect the customer back to you (to the return_url you provided) with the payment details.

Step 1: Collect payment details

First, you need to assemble payment details that will be sent to your API as a JSON object.

Here fields you need to collect:

Field Name	Type	Required	Description
amount	integer	Yes	The payment amount.
currency	string	Yes	The currency of the payment.
description	string	Yes	Description of the payment.
return_url	string	Yes	Return URL where your customer will be redirected after payment.
customer.email	string	Yes	Customer's email address.
customer.first_name	string	Yes	Customer's first name.
customer.last_name	string	Yes	Customer's last name.
customer.phone	string	No¹	Customer's phone number.
customer.address	string	No¹	Customer's address.
customer.city	string	No¹	Customer's city.
customer.state	string	No¹	Customer's state.
customer.country	string	No¹	Customer's country.
customer.zip	string	No¹	Customer's zip code.
metadata	array	No²	Additional data for the payment.
methods	array	No³	Payment method you want to make available for this transaction.
restrict_country_code	string	No⁴	Restrict the payment to a specific country.
restricted_phone	object	No⁴	Restrict the payment to a specific phone number.
restricted_phone.number	string	Yes⁵	The phone number to restrict the payment to.
restricted_phone.country_code	string	Yes⁵	The country code of the restricted phone number.

1. If not provided, the customer can be prompted to enter these details during the payment process based on the selected payment method.

2. There should be an array of key-value pairs. Only string values are allowed.

3. If not provided, all available payment methods will be allowed. The array should contain only the supported payment method's shortcodes.

4. You can use either restrict_country_code or restricted_phone, but not both. They are mutually exclusive.

5. Required if restricted_phone is provided.

Step 2: Obtain a Payment Link

Next, initiate the payment by calling the API with the collected payment details using the secret key for authorization.

Example request :

POST /v1/payments/initialize
Host: https://api.moneroo.io
Authorization: Bearer YOUR_SECRET_KEY
Content-Type: application/json
Accept: application/json
{
    "amount": 100,
    "currency": "USD",
    "description": "Payment for order #123",
    "customer": {
        "email": "[e-mail]",
        "first_name": "John",
        "last_name": "Doe"
    },
    "return_url": "https://example.com/payments/thank-you"
    "metadata": {
        "order_id": "123",
        "customer_id": "123" 
    },
    "methods": ["mtn_bj", "moov_bj"] # Once again, it is not required
}

Example response :

{
  "message": "Transaction initialized successfully",
  "data": {
    "id": "5f7b1b2c",
    "checkout_url": "https://checkout.moneroo.io/5f7b1b2c"
  }
}

Step 3: Redirect the User to the Payment Link

You only need to redirect your customer to the link returned in data.checkout_url. We will display our payment interface for the customer to make the payment.

Step 4: After Payment

Once the payment is made, whether successful or failed, four things will occur:

• We redirect your user to your return_url with the status, paymentId, and paymentStatus in the query parameters once the payment is completed.

• We will send you a webhook if you have activated it. For more information on webhooks and to see examples, check out our webhooks guide.

• If the payment is successful, we will send an acknowledgment email to your customer (unless you have disabled this feature).

• We will email you (unless you have disabled this feature).

• On the server side, you need to handle the redirection and always check the final status of the transaction.

If you have webhooks enabled, we'll send you a notification for each failed payment attempt. This is useful in case you want to later reach out to customers who had issues paying. See our webhooks guide for an example.

Example

• Do not forget to replace YOUR_SECRET_KEY with your actual secret key.

• All subsequent examples should be executed in the backend. Never expose your secret key to the public.

cURL

curl -X POST https://api.moneroo.io/v1/payments/initialize \
     -H "Content-Type: application/json" \
     -H "Authorization: Bearer YOUR_SECRET_KEY" \
     -H "Accept: application/json" \
     -d '{
         "amount": 100,
         "currency": "USD",
         "description": "Payment for order #123",
         "customer": {
             "email": "[e-mail]",
             "first_name": "John",
             "last_name": "Doe"
         },
         "return_url": "https://example.com/payments/thank-you",
         "metadata": {
             "order_id": "123",
             "customer_id": "123"
         },
         "methods": ["qr_ngn", "bank_transfer_ngn"]
     }'

PHP

<?php

$url = 'https://api.moneroo.io/v1/payments/initialize';

$headers = [
    'Content-Type: application/json',
    'Authorization: Bearer YOUR_SECRET_KEY'
    'Accept: application/json'
];

$data = [
    "amount" => 100,
    "currency" => "USD",
    "description" => "Payment for order #123",
    "customer" => [
        "email" => "[e-mail]",
        "first_name" => "John",
        "last_name" => "Doe"
    ],
    "return_url" => "https://example.com/payments/thank-you",
    "metadata" => [
        "order_id" => "123",
        "customer_id" => "123",
    ],
    "methods" => ["qr_ngn", "bank_transfer_ngn"]
];

$ch = curl_init($url);

curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($data));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);

$response = curl_exec($ch);
$httpcode = curl_getinfo($ch, CURLINFO_HTTP_CODE);

curl_close($ch);

if ($httpcode != 201) {
    die('Error: "' . curl_error($ch) . '" - Code: ' . curl_errno($ch));
}

$response_data = json_decode($response, true);

// Redirect to the checkout page
header("Location: " . $response_data['checkout_url']);

?>

Python

import requests
import json

url = 'https://api.moneroo.io/v1/payments/initialize'

headers = {
    'Content-Type': 'application/json',
    'Authorization': 'Bearer YOUR_SECRET_KEY'
    'Accept': 'application/json'
}

data = {
    "amount": 100,
    "currency": "USD",
    "description": "Payment for order #123",
    "customer": {
        "email": "[e-mail]",
        "first_name": "John",
        "last_name": "Doe"
    },
    "return_url": "https://example.com/payments/thank-you",
    "metadata": {
        "order_id": "123",
        "customer_id": "123",
    },
    "methods": ["qr_ngn", "bank_transfer_ngn"]
}

response = requests.post(url, headers=headers, data=json.dumps(data))

if response.status_code != 201:
    raise Exception(f"Request failed with status {response.status_code}")

checkout_url = response.json()['checkout_url']
print(f"Redirect to: {checkout_url}")

Go

package main

import (
	"bytes"
	"encoding/json"
	"net/http"
	"fmt"
)

func main() {
	data := map[string]interface{}{
		"amount": 100,
		"currency": "USD",
		"description": "Payment for order #123",
		"customer": map[string]string{
			"email": "[e-mail]",
			"first_name": "John",
			"last_name": "Doe",
		},
		"return_url": "https://example.com/payments/thank-you",
		"metadata": map[string]string{
			"order_id": "123",
			"customer_id": "123",
		},
		"methods": []string{"qr_ngn", "bank_transfer_ngn"},
	}

	bytesRepresentation, _ := json.Marshal(data)

	req, _ := http.NewRequest("POST", "https://api.moneroo.io/v1/payments/initialize", bytes.NewBuffer(bytesRepresentation))
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Authorization", "Bearer YOUR_SECRET_KEY")
	req.Header.Set("Accept", "application/json")

	client := &http.Client{}
	response, _ := client.Do(req)
	defer response.Body.Close()

	var result map[string]interface{}
	json.NewDecoder(response.Body).Decode(&result)

	if response.StatusCode != 201 {
		panic(fmt.Sprintf("Request failed with status %d", response.StatusCode))
	}

	fmt.Printf("Redirect to: %s", result["checkout_url"])
}

JavaScript (Node.js)

const axios = require('axios');

const data = {
    "amount": 100,
    "currency": "USD",
    "description": "Payment for order #123",
    "customer": {
        "email": "[e-mail]",
        "first_name": "John",
        "last_name": "Doe"
    },
    "return_url": "https://example.com/payments/thank-you",
    "metadata": {
        "order_id": "123",
        "customer_id": "123",
    },
    "methods": ["qr_ngn", "bank_transfer_ngn"]
};

const options = {
  headers: {
    'Content-Type': 'application/json',
    'Authorization': 'Bearer YOUR_SECRET_KEY'
    'Accept': 'application/json'
  }
};

axios.post('https://api.moneroo.io/v1/payments/initialize', data, options)
    .then((response) => {
        if (response.status !== 201) {
            throw new Error(`Request failed with status ${response.status}`);


 }
        console.log(`Redirect to: ${response.data.checkout_url}`);
    })
    .catch((error) => {
        console.error(error);
    });