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Charge

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Cards

Monnify allows you to charge your customers who make one-time payments through the use of their cards. To charge a card without the use of an OTP, you you will need to make a request to the endpoint below:

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Sample Request Body (with no OTP)

{
    "transactionReference": "MNFY|20190514172736|000001",
    "collectionChannel": "API_NOTIFICATION",
    "card": {
        "number": "4111111111111111",
        "expiryMonth": "10",
        "expiryYear": "2022",
        "pin": "1234",
        "cvv": "122"
    }
}

The response that will be gotten depends on the kind of card used for the transaction. There are cards charged with the use of an OTP and those charged without an OTP. See sample response for both scenarios.

Sample Response (with no OTP)

{
    "requestSuccessful": true,
    "responseMessage": "success",
    "responseCode": "0",
    "responseBody": {
        "status": "SUCCESS",
        "message": "Transaction Successful",
        "transactionReference": "MNFY|54|20210429142557|000206",
        "paymentReference": "1619702756719",
        "authorizedAmount": 2000.00
    }
}

Charge Card with OTP

To charge a card with the use of an OTP, you will need to make a request to the endpoint below:

Endpoint URL: {{base_url}}/api/v1/merchant/cards/charge

HTTP Method: POST

Sample Request Body (with OTP)

{
    "transactionReference": "MNFY|54|20210429142945|000208",
    "collectionChannel": "API_NOTIFICATION",
    "card": {
        "number": "5061040000000000215",
        "expiryMonth": "09",
        "expiryYear": "2022",
        "pin": "1234",
        "cvv": "122"
    }
}

Sample Response (with OTP)

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