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Payment Initiation

Description: Initiates a cross-border payment transaction through the PAPSS network.

Request Parameters​

POST {base_url} /api/v1/epapss/payments
curl `{base_url} /api/v1/epapss/payments`
  -H "subscription-key: 2df8a91s8d7a1"
  -H "X-Idempotency-Key: 432987234"
  -H "X-client-Id: 432987234"
  -H "X-Timestamp: 2026-03-11T12:30:00Z"
  -H "X-Signature: a82dd9838fa"
  -H "Content-Type: application/json"
  -d '{
      "transactionReference": "REF20260612221900737287683",
      "description":"testing",
      "source": {
          "accountNumber": "2378920",
          "bankCode": "044"
      },
      "destination": {
          "accountNumber": "0019418421",
          "bankCode": "044",
          "firstName": "Okeyemi",
          "lastName": "Dare",
          "country": "NG"
      },
      "amount": 30,
      "currency": "NGN",
      "initiator": {
          "name": "Wisdom James"
      }
  }
'
  1. Retrieve Countries
  2. Retrieve Banks
  3. Perform Name Enquiry
  4. Retrieve Exchange Rate
  5. Initiate Payment
  6. Receive Webhook Notification
  7. Query Status if required

Sample Success Response​

{
  "status": "Success",
  "message": "Transaction initiated successfully",
  "data": {
    "reference": "CUD176355628318266",
    "transactionStatus": "PENDING"
  }
}