API Credentials

API credentials are used to make requests to all Fapshi endpoints available to developers. Failing to provide or providing wrong credentials will therefore lead to errors being returned in the response of your requests.

The credentials of the testing environment (sandbox) are available to all Fapshi users (on the dashboard), however, only verified Fapshi users have access to the live credentials, after creating a service.

These credentials (apiuser and apikey) can be obtained on the Fapshi dashboard after some prior account verification (See the Activate your Fapshi account section).

The credentials should be added to the header of every request using the parameters apiuser and apikey as shown below.

Base URL

When in live mode, the base URL is same for all endpoints. However, the sandbox environment has a different base URL.

In both environments, the URL paths are the same, just the base URL changes.

Live Base URL: https://live.fapshi.com

Sandbox Base URL: https://sandbox.fapshi.com

Failed and Successful Requests

If any request made to the Fapshi payment API fails, the response will have a status code of 4XX (400, 403, 404) depending on the nature of the error and the body of the response will have a message parameter containing the reason for the failure.

However, a successful request will have, in its response, a status code of 200 and the content of its body will depend on the nature of the request.

Live Vs Sandbox Environment

The sandbox environment is used to test or better understand the functioning of the Fapshi payments API. Here, no real money is involved, however, it behaves in exactly the same way as if the money used were real. This is to help developers easily integrate our payments API on their application while still in development.

The sandbox or test environment works in the same way as the live environment. However, the credentials of the sandbox environment won’t work on the live and vice versa. Also, the base URL of the sandbox environment is different from of the live. See the Base URL section above.

On the sandbox, if you want to simulate payments with a local payment method, depending on the phone number chosen, you will either have a SUCCESSFUL or FAILED transaction status.

If you choose to pay with a number not among one of these, the transaction status will be decided in a random manner.

For international payment methods, the following card numbers will simulate SUCCESSFUL and FAILED transactions respectfully.

1. Generate a Payment Link

Endpoint: /initiate-pay (POST)

This request is used to generate the link to which a user should be redirected in order to make a payment.

Parameters:

amount: required | integer >= 100

email: optional | string. If the email is set, then the user will no longer be required to provide his/her email during the payment process.

redirectUrl: optional | string. URL to which your user will be redirected after completing a payment.

userId: optional | string | length between (1, 100) | characters allowed [a-zA-Z0-9- _]. If the user making the payment is known by your system, his/her id should be passed in, making it possible to later query the payment history of this user.

externalId: optional | string | length between (1, 100) | characters allowed [a-zA-Z0- 9-_]. This can be a transaction id, an order id or anything that can be used to reconcile this payment transaction to your application.

message: optional | string. Contains a message describing the reason for the payment.

cardOnly: optional | boolean. If set to true, only international payment options will be available on the generated link. However, international payment options must have been enabled on the service account whose credentials are used to perform the request, else the request will fail. Check this guide on How to Activate International Payments.

Return:

• If the request is successful, the response will have a status code of 200 and its body will contain a link and a transId variable. The link is the URL to which the user should be redirected in order to complete his/her payment. transId is the id of the payment transaction and can be used to get the status of the payment, hence, it is judicious to store this transId on your system.
• If the request fails, the response will have a status code of 4XX depending on the reason for the failure and a message describing the reason for the failure.

2. Get Payment Transaction Status

Endpoint: /payment-status/:transId (GET)

transId is the Id returned in the response of request (1) above. The status of a transaction can be:

CREATED: This means a payment attempt has not yet been made.

PENDING: This means the user is in the process of making a payment. Usually, the status of such a transaction will change to SUCCESSFUL or FAILED immediately the transaction is completed.

SUCCESSFUL: This means the payment attempt has been successful.

FAILED: This means the payment attempt failed.

EXPIRED: This means 24 hours have passed since the payment link was generated and no successful payment attempt was made in that time interval OR the link got manually expired like in (3) below to prevent payment.

3. Expire a Payment Transaction

Endpoint: /expire-pay (POST)

Expiring a payment transaction will make it impossible for a payment to be made via the transaction link.

Parameters:

transId: required | string, this is the id returned while creating the transaction.

Return:

If the request is successful, the body of the response will contain the details of the payment of the EXPIRED transaction.

4. Get Transactions with the Same User ID

Endpoint: /transaction/:userId (GET)

If any of the payment requests in (1) above contains a user Id, then it is possible to get all transactions associated to this user Id. This request returns an array of objects containing the information related to the payments associated to the user Id passed in the URL of this request.

5. Initiate a Direct Payment Request

Endpoint: /direct-pay (POST)

Fapshi offers the possibility to initiate a payment request directly to a user’s mobile device. However, the developer bares full responsibility over the user’s payment process i.e., from building a custom checkout form where user details are collected to verifying the final payment status of a transaction (SUCCESSFUL or FAILED).

This request, if successfully initiated, will directly prompt the user with the phone number specified in the request to confirm the transaction after which the developer will be notified with the details of the payment via his/her webhook if he/she had set one on his/her dashboard or will simply have to use (2) above to get the transaction details.

The image below shows the sequence...

1 - An external application with API credentials initiates a payment request to Fapshi’s API

2 - Request is validated and sent to the appropriate operator for processing

3 - User is prompted to validate payment by entering his/her PIN

4 - User approves or declines payment

5 - Operator notifies Fapshi with status of payment transaction

6 - Fapshi notifies external application (via the app’s webhook) with the final status of the transaction

Below are the body parameters required to perform a successful transaction.

Parameters:

amount: required | integer >= 100, amount to be paid by the user.

phone: required | string, phone number to which the request will be performed e.g., 67XXXXXXX, 69XXXXXXX, 65XXXXXXX.

medium: optional | string in [“mobile money”, “orange money”], this parameter can either be “mobile money” for MTN numbers or “orange money” for Orange numbers. However, if the operator the user wants to make the transaction with is not known, this parameter can simply be omitted and Fapshi will automatically detect and perform the request using the appropriate payment method.

name: optional | string, name of the user performing the payment.

email: optional | string, email of the user performing the payment. If the email is set, a payment confirmation receipt will be sent to this email.

userId: optional | string | length between (1, 100) | characters allowed [a-zA-Z0-9-_], if the user making the payment is known by your system, his id should be passed giving the possibility of later querying the payment history of this user.

externalId: optional | string | length between (1, 100) | characters allowed [a-zA-Z0- 9-_], this can be a transaction id, an order id or anything that can be used to reconcile this payment transaction to your application.

message: optional | string, contains a message describing the reason for the payment.

Return:

• If the request is successful, the response will have a status code of 200 and its body will contain a transId variable. This transId is the id of the payment transaction and can be used to get its status, hence, it is judicious to store this transId on your system.
• If the request fails, the response will have a status code of 4XX depending on the reason for the failure and a message property describing the reason for the failure.

Payments (payment-related questions)

Why was I debited?

Fapshi processes payments for multiple merchants. When your debit alert reads Fapshi Inc, it simply means that the transaction was made to a business or vendor that uses Fapshi for collections.

Do I need to pay to use Fapshi?

You do not need to pay to use Fapshi; all you need do is create an account (it's free). However, Fapshi offers some services which will deduct a minute percentage of your revenue when you use them.

Do I need to have a Fapshi account for someone to send me money?

No, you do not. Fapshi users can send money to people who do not have Fapshi accounts through payouts, provided the non-Fapshi users have an account on one of our supported operators. The procedure is simple and seamless.

Does Fapshi keep my money?

Fapshi does not keep its users' money. All account balances, are kept with our partner operators. They are the ones who have entities to keep, preserve, and secure your money.

Account

Why must I verify my account?

Verifying your account permits us to know who you are. With this, we can better serve you and give you personalized experiences on Fapshi.

Why do I need to verify my business?

We need to be sure of who you are and what your business does; this helps us to propose the best services to you and your clients. Our partners and regulatory bodies also require that we know who our clients are.

General (general questions on using Fapshi)

What is Fapshi?

Fapshi is a set of tools that helps you to collect payments easily. We have prebuilt SDKs to help you integrate our APIs on your websites, web apps, or mobile apps. Fapshi users can collect all forms of payment through easy-to-create, self-managed payment links. You can equally create links for an invoice or product, and own an easy-to-customize online store.

What do I do if I forget my password?

If you forget your password, you can change it by accessing the login page. There, you can click on the “forgot password” link. Check this guide to see how to change your password if you forget it.

What do I do if I forget my pin?

Your pin is a code that you use for money transfers and payouts on Fapshi; when you create an account, you'd see the option to create this code. If for some reason you lose your code, you'd have to submit a support ticket.