Create an Invoice

To create an invoice you simply need to send a request to the endpoint below

This endpoint is protected with Basic Authentication

When the request is sent, an account number will be returned. You should include that account number (and bank) on the invoice being sent to your customer. We also return a checkout URL which can be included on your invoices. This way customers who want to pay using their debit cards can simply click on the link and pay using the Monnify payment interface.

Once the invoice is generated, the customer can pay by simply doing a transfer to the virtual account number generated or via their debit card using the checkout URL. Once the customer pays, we will notify you via your Webhook URL. 

Field Reference

(M) indicates fields that are mandatory in the request body. (m) Indicates fields that are mandatory only if the parent object is not empty.

amount (M)The amount to be paid by the customer
invoiceStatusStatus of the invoice. Can be either "PAID", "PENDING" or "EXPIRED"
currencyCode (M)The currency of the transaction being initialized. "NGN"
invoiceReference (M)Merchant's Unique reference for the invoice
customerName (M)Full name of the customer
customerEmail (M)The email address of the customer
apiKey (M)Merchant's API Key (Can be found on the Monnify dashboard)
contractCode (M)Merchant's contract code (Can be found on the Monnify dashboard)
description (M)Description of the transaction. Will be used as the account name for bank transfer payments
expiryDate (M)The expiry date for the invoice. After this date, the customer will no longer be able to pay for that invoice. The format is YYYY-MM-DD HH:MM:SS
checkoutUrl A URL which can be used to display the Monnify payment interface where the customer can then pay for the invoice via bank transfer or card. This is especially useful for card transactions as the account number can and SHOULD be displayed on the invoice directly.
accountNumberThe virtual account number generated for the invoice. This is the account number the customer can transfer to, to pay this invoice
accountNameThe name that will be displayed to the customer when he performs name inquiry on the virtual account. Please note there may be Prefixes
bankNameThe name of the bank where the virtual account number was generated. The customer will be expected to select this bank when doing the bank transfer
bankCodeThe bank code of the bank where the virtual account number was generated
incomeSplitConfig The object containing specifications on how payments to this reserve account should be split.
subAccountCode (m)The unique reference for the sub-account that should receive the split.
feeBearerBoolean to determine if the sub-account should bear transaction fees or not
feePercentageThe percentage of the transaction fee to be borne by the sub-account


The payment method which the customer will use to make the payments. This can be set as "ACCOUNT_TRANSFER" or "CARD" . If not set, this would default to the enabled methods in the contract detail.

splitPercentageThe percentage of the amount paid to be split into the sub-account. 
redirectUrlA URL which customer will be redirected to when payment is successfully completed on the Web SDK.