Api Integration

Overview

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.

Prerequisite

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.

Initiate payment transaction request to Gateway

1️ Every request to iPay gateway to initiate and process payment transactions must contain the below parameters.

2️ The thing to note is that iPay requires each transaction to be identified by a unique invoice ID and an amount due (in GHS for the avoidance of doubt).

Initiate payment

POST https://manage.ipaygh.com/gateway/checkout

This endpoint allows you to initiate payment transaction request.

Query Parameters

Name	Type	Description
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.

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Sample code on how to generate the Request

<form action="https://manage.ipaygh.com/gateway/checkout" method="post">
    <input type="hidden" name="merchant_key"  value="PROVIDED MERCHANT KEY">
    <input type="hidden" name="success_url"  value="">
    <input type="hidden" name="cancelled_url" value="">    
    <input type="hidden" name="ipn_url"  value="">
    <input type="hidden" name="invoice_id" value="">
    <input type="hidden" name="extra_name"  value="customer name">
    <input type="hidden" name="extra_mobile" value="0240000000">    
    <input type="hidden" name="extra_email"  value="[email protected]">
    <input type="hidden" name="total" value="1.00">
    <input type="hidden" name="description"  value="Sample Order">
    <button type="submit">Make Payment</button>
</form>

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.

Handling payment notifications

Once the customer pays or cancels an invoice, depending on your site setup, iPay can do two things:

1️ Send an email informing you of the payment or cancellation.

2️ Send a notification to an IPN (instant payment notification) URL for your application to take some automated action.

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:

1. 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 https://test.ipaygh.com/notify and a customer pays or cancels invoice with invoice ID: AA123, iPay will perform the GET request https://test.ipay.com/notify?invoice_id=AA123. This call is meant to prompt your application that an event of interest has occurred with respect to the invoice.

2. Your application will then make the GET call "https://manage.ipaygh.com/gateway/json_status_chk?invoice_id=AA123&merchant_key =YOUR_MERCHANT_KEY" to receive details of the event.

3. 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.

Sample payment notification Request

GET https://manage.ipaygh.com/gateway/json_status_chk

Query Parameters

Name	Type	Description
merchant_key	string	Your unique assigned Merchant Key
invoice_id	string	Invoice id of the particular transaction whose details to check

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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)

Card Payment Response Codes (psp_response_code)

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.

Gateway Error Codes:

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