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Vestrapay is a payments API. You initialize a transaction on your server, send the customer to checkout, then confirm the payment with a webhook and a verify call.

Quickstart

Initialize a payment and open hosted checkout.

API keys

Test vs live keys, hosts, and how to authenticate.

Pay with card

Hosted fields for the card number, with 3-D Secure when the issuer requires it.

Pay with transfer

Show a dedicated virtual account and confirm when the transfer lands.

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Integration checklist

  1. Create a merchant account and copy a test secret key from Settings → Developers.
  2. Initialize from your backend. Store the reference on the order.
  3. Redirect the customer to the checkout URL (or build a custom pay screen with the access code).
  4. Register a webhook for payment.completed, payment.failed, and payment.abandoned.
  5. On webhook and on your callback URL, call verify. Fulfill when status is success and the amount matches.
  6. Repeat on live keys after KYB. See Go live.

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How a payment works

1

Initialize on your server

POST /v1/payment/initialize with your secret key. You get a reference, an access code, and a checkout URL.
2

Customer pays

Redirect them to the checkout URL, or drive card / transfer yourself with the access code.
3

Confirm

We POST payment.completed to your webhook and send the browser to your callback URL. Then verify.

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Amounts

Amounts are naira as strings. One hundred naira is "100.00". Currency defaults to NGN.