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Table of Contents

Table of Contents
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Info

To be granted access to this API, you will be required to be PCI-DSS certified. For further inquiries, please reach out to integrations@monnify.com

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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Info

The {{base_url}} for test is https://sandbox.monnify.com but when you go live, it changes to the live url

Sample Request Body (with no OTP)

Code Block
languagejson
{
    "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)

Code Block
languagejson
{
    "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:

Info

This endpoint is protected with OAuth 2.0 Bearer token. To find out more about authorization for Monnify endpoints, check Here

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

HTTP Method: POST

Info

The {{base_url}} for test is https://sandbox.monnify.com but when you go live, it changes to the live url

Sample Request Body (with OTP)

Code Block
languagejson
{
    "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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