Api Integration
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This document describes into details how to integrate into iPay gateway checkout to collect customer payments from your website or mobile App.
You can use our re-direct API to process payments from MTN Mobile Money, AirtelTigo Money, Vodafone Cash, VISA and MasterCard.
To successfully complete the integration and send requests the following details are required as described in table:
REQUIREMENTS
DESCRIPTION
Merchant Key
This is a unique Key created by iPay and assigned to third parties for integration.
POST https://manage.ipaygh.com/gateway/checkout
This endpoint allows you to initiate payment transaction request.
merchant_key
string
Your unique assigned Merchant Key.
invoice_id
string
Your internally generated transaction invoice id. Should be unique for every transaction and not more than 25 characters in length.
total
string
The total payment due for the cart. Please note that the gateway will NOT compute this. We want the merchant to compute this himself /herself and to add in any tax or shipping elements they may want to.
success_url
string
The page to which iPay will redirect the customer after customer completes the iPay checkout process. Please note that this does not mean payment has been received.
cancelled_url
string
The page to which iPay will redirect the customer after customer cancels the iPay checkout process.
extra_mobile
number
Customer contact number ( Customer received payment notification via sms if provided)
extra_email
string
Customer email address ( Customer receives payment Email notification if provided)
extra_name
string
Customer name
description
string
Description of payment or order description/details
ipn_url
string
This specifies the url to which iPay sends notifications once payment is received.
Upon successful completion of payment process or cancellation of payment process on iPay gateway checkout page by customer, the customer is re-directed to the success url or cancelled url page specified in the request respectively.
It is worth stressing the IPN notification from iPay is not confirmation of a payment. Rather it is a prompt that an event of interest has happened to one of your invoices.
It is your application’s responsibility to query the iPay gateway for details on the event using the status check end point. While this may sound complicated, it is not. Here’s how it works:
iPay responds to the query in the step above with a JSON object. Details of the response object are described as part of the status check end point.
GET https://manage.ipaygh.com/gateway/json_status_chk
merchant_key
string
Your unique assigned Merchant Key
invoice_id
string
Invoice id of the particular transaction whose details to check
PARAMETER
VALUES
VALUE TYPE
DESCRIPTION
1. status
new,
paid,
cancelled,
awaiting_payment,
failed
String
Transaction status of payment: new: - Payment transaction is new, initiated to the respective payment network paid: - Payment made successfully by customer cancelled: - Payment cancelled by customer awaiting_payment: payment pending. Customer does not complete or cancel payment. failed: - Transaction failed. Reason for failure is provided in status_reason parameter.
2. status_reason
Free text
String
This parameter holds detail description for a "failed" Transaction status. For other status values, it is empty.
3. buyer_firstname
Free text
String
First name of customer. Usually empty /null since no value is passed
4. buyer_lastname
Free text
String
Last name of customer. Usually empty / null
5. buyer_email
Free text
String
Email address of customer. Usually empty / null
6. buyer_phone
Free text
String
Phone number of customer. Usually empty / nul
7. invoice_id
Free text
String
Invoice Id of transaction
8. amount
Free text
Float
Payment amount made
9. as_at
Free text
Date
Transaction timestamp on gateway
10. narration
Free text
String
Description of payment made
11. extra
Free text
Array Object
Sub array of extra parameters available:
channel- Payment channel used by customer
email - Email address of customer if provided in initial request
mobile_no - Phone number of customer if provided in initial request
psp_response_code - This parameter is only available for Card Payment transactions. It holds the specific error code applied to a transaction
psp_response_msg - This parameter gives explanation or description of the response error code for Card payments (if available)
CODE
DESCRIPTION
0
The transaction was approved by the acquirer
1
The transaction could not be processed for an unspecified reason that is not covered by the other response codes.
2
The transaction was declined by the issuing bank – the customer should contact the bank.
3
The processing host did not reply to the transaction request. This message is displayed after a specified time if no response is received from the issuing bank. It usually indicates that the issuing bank’s system is temporarily unavailable
4
The customer’s card is past its expiry date
5
The customer’s card has insufficient credit to cover their purchase
6
The transaction could not be processed due to a problem with the processing host’s system
7
The transaction could not be processed due to a problem with the Payment Server.
B
Your acquirer has blocked this BIN. Please contact the support desk for further information
U
This transaction has been declined due to the CSC being unacceptable to the Issuer. Cardholder should contact their bank
E
The transaction has been declined by the issuing bank – the cardholder should contact the bank.
ERROR
DESCRIPTION
1. GW-001
merchant_key missing or empty
2. GW-002
invoice_id missing or empty
3. GW-003
total value missing or empty
4. GW-009
Merchant is deactivated from receiving payments
Send an email informing you of the payment or cancellation.
Send a notification to an IPN (instant payment notification) URL for your application to take some automated action.
Once an invoice is paid or cancelled, iPay does a GET to your IPN URL with the invoice_id parameter. Suppose, your IPN url is and a customer pays or cancels invoice with invoice ID: AA123, iPay will perform the GET request . This call is meant to prompt your application that an event of interest has occurred with respect to the invoice.
Your application will then make the GET call " =YOUR_MERCHANT_KEY" to receive details of the event.