Payment Gateway
Overview
Accept card, bank transfer, and USSD payments by generating a payment link: create a service token, build the request hash, call initialize, send customers to checkout, then verify the charge (or rely on webhooks with signature verification).
Complete your account setup and KYC, then configure your settlement account where funds will be settled. In the merchant dashboard, open the Account tab on your settings page.
https://merchant.moneta.ng/account/profile-settings/bank-accounts
Next, open API keys and settings to obtain your credentials: Client ID, Client Secret, Service Keys (staging or production, as delivered to your email), and MAC key. With those in place you can test or go live for payments.
Base URL for payment
| Environment | Base URL | Purpose |
|---|---|---|
| Staging | https://api-staging.moneta.ng/api | Development and testing |
| Production | https://api.moneta.ng/api/v2 | Live transactions (real money) |
Use the base URL for the environment you are calling. Endpoints below are shown as {{baseUrl}} plus a path (for example /transaction/initialize).