Make Payment API

The POST Make Payment API can be used to make a merchant-initiated PayTo payment as follows:

1. Specify the PayTo instrument identifier under which this payment will be initiated.

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Buyer

Please ensure the PayTo instrument belongs to this buyer, otherwise we will reject your request.

2. Specify the payment identifier and the amount in cents to be initiated. The payment identifier needs to be unique so you can always refer back to it.
3. You may provide an optional reference, description, and creditor reference to be included as part of the PayTo payment. These details will appear on the buyer's banking statement.

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Considerations for optional references

• We recommend that you include the customer facing order number in reference
• You can include up to 280 characters in a customer friendly descriptionof the payment, or we can generate one on your behalf

API Response

As soon as you submit your PayTo payment initiation request, we will immediately forward it to the NPP infrastructure for real-time processing. As soon as we receive a response from the NPP infrastructure, we will promptly provide you with the final outcome of the payment.

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Completed payment

The Completed status indicates that the payment is successfully settled and that funds transfer is complete.

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Rejected payment

The Rejected status indicates that the payment has failed and no funds have been transferred. A detailed reason for failure is also provided.

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Event notifications

In addition to our API response, we recommend that you opt in to our Payment Events notifications, which will be sent to you in parallel.