Payment Gateway Integration

Initialize Transaction

Initialize a transaction from your backend by preparing the necessary parameters for the payment gateway.

PHP Example

<?php
$email="";
$amount=""; 
$payment_type=""; 
$callback_url="";
$mac = "";
$mystring = $email . $amount. $payment_type . $callback_url;
$hash = hash_hmac('sha512', $mystring, $mac, false);

JavaScript Example

import * as CryptoJS from 'crypto-js';

function generateHash(email, amount, payment_type, callback_url, mac) {
  const myString = email + amount + payment_type + callback_url;

  return CryptoJS.HmacSHA512(myString, mac).toString(CryptoJS.enc.Hex);
}

Generate Hash

Generate a secure hash for transaction verification using HMAC-SHA512 algorithm.

Hash Generation Steps

  • Concatenate transaction parameters
  • Use HMAC-SHA512 for hashing
  • Use a secret MAC key for security

Initialize

Sample Payload

// Some code

let initiated = `https://app.moneta.ng/api/v1/transaction/initialize?hash=${hash}`;

let payload = {
  amount: 800000, // Amount in kobo (the user is paying 8000)
  email: "payer's email",
  callback_url: "your callback URL",
  payment_type: "card",
  channel: "card",
  metadata: "",
  customerinfo: "",
  serviceCode: "", // Service code
  serviceType: "", // What are you paying for
  serviceCategory: "", // Category of service
  json: "true",
  use_split: ""
};

// Success Response
{
  "status": "success",
  "responseCode": "00",
  "url": "your callback URL",
  "ref_no": "Moneta Reference",
  "type": "card",
  "authorization_url": "payment link"
}

Verify Transaction

Confirm the status of a transaction

// We will request to this URL
let paydate = "2023-09-18 13:09:20";
let url = `your_callback_url?reference=${reference}&status=${status}&paydate=${paydate}`;

// NB: When a notification is received at your callback URL, verifying it at the endpoint is strongly recommended.

// Some code
// #channel: bank or card
// Endpoint: https://app.moneta.ng/api/v1/transaction/verify/{{channel}}{{transaction_reference}}

// In the customer object watch for the Status field:
// Status=1 paid, Status=0 unpaid

// Sample Request
// #updated_at is payment date (2023-09-18 13:09:20)
let token = '';
let channel = '';
let reference = '';
var myHeaders = new Headers();
myHeaders.append("Authorization", `Bearer ${token}`);

var requestOptions = {
  method: 'GET',
  headers: myHeaders,
  redirect: 'follow'
};

fetch(`https://app.moneta.ng/api/v1/transaction/verify/${channel}/${reference}`, requestOptions)
  .then(response => response.text())
  .then(result => console.log(result))
  .catch(error => console.log('error', error));

// Expected Response from the Moneta verification endpoint
{
  "status": "success",
  "responseCode": "00",
  "customer": {
    "SN": 2705801,
    "api_token": "",
    "Customer_Id": "transaction reference",
    "callback_url": "your_callback_url",
    "gateway": null,
    "splitrecord": "",
    "FirstName": "",
    "OtherName": "",
    "LastName": "",
    "Email": "",
    "Phone": "",
    "Status": 1,
    "requery": 0,
    "AmountDue": "",
    "AmountPaid": "",
    "rrr": "",
    "remitalog": "",
    "nibss": 0,
    "ubamobilemoney": 0,
    "bankmodule": 0,
    "coral": 0,
    "coral_refcode": null,
    "coral_transid": null,
    "coral_payload": null,
    "direct": null,
    "direct_complete": null,
    "merchant_response": "",
    "serviceCode": "",
    "serviceType": "",
    "serviceCategory": null,
    "moneta_agent_id": null,
    "created_at": "",
    "updated_at": "",
    "deleted_at": null,
    "saved_fee": "",
    "settlement_date": null,
    "settlement_type_id": 1,
    "sales_amount": "0",
    "commission_amount": null,
    "residue_amount": "0",
    "merchant_name": "",
    "fees": "",
    "use_split": "",
    "acc_name": [ ],
    "gate_way_used": "PayDirect"
  },
  "transaction": {
    "SN": 533020,
    "PaymentLogId": "",
    "CustReference": "",
    "AlternateCustReference": "",
    "Amount": "",
    "PaymentStatus": "0",
    "PaymentMethod": "",
    "PaymentReference": "",
    "TerminalId": "",
    "ChannelName": "",
    "Location": "",
    "IsReversal": "",
    "PaymentDate": "",
    "SettlementDate": "",
    "InstitutionId": "MNTA",
    "InstitutionName": "MONETA",
    "BranchName": "",
    "BankName": "",
    "FeeName": "",
    "CustomerName": "",
    "OtherCustomerInfo": "",
    "ReceiptNo": "",
    "CollectionsAccount": "",
    "ThirdPartyCode": "",
    "BankCode": "",
    "CustomerAddress": "",
    "CustomerPhoneNumber": "",
    "DepositorName": "",
    "DepositSlipNumber": "",
    "PaymentCurrency": "NGN",
    "OriginalPaymentLogId": "",
    "OriginalPaymentReference": "",
    "REASON": null,
    "TREATED": null,
    "created_at": "2023-09-17T20:02:28.000000Z",
    "updated_at": "2023-09-17T20:02:28.000000Z",
    "deleted_at": null
  }
}

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