Verify a payment - Vestrapay

curl https://server.staging.vestrapay.app/v1/payment/verify/VPY_TXN_ACME001 \
  -H "x-api-key: sk_test_yourkey"

Authorization: Bearer sk_test_yourkey is accepted. Lookup is by our reference (VPY_TXN_…).

Response

{
  "status": "success",
  "data": {
    "id": "3f2a0c1e-8b44-4d91-9c2a-1a2b3c4d5e6f",
    "reference": "VPY_TXN_ACME001",
    "amount": "100.00",
    "total": "101.50",
    "amountSettled": "100.00",
    "currency": "NGN",
    "status": "success",
    "channel": "card",
    "fees": "1.50",
    "merchantBearsCost": false,
    "paidAt": "2026-05-10T14:30:00.000Z",
    "metadata": { "orderId": "ORD_12345" }
  }
}

Field	Meaning
`amount`	What you initialized.
`total`	What the customer paid.
`amountSettled`	What you receive after fees, once `status` is `success`. `null` until then.
`fees`	Fee on this transaction.
`channel`	`card`, `bank_transfer`, `bank_payment`, or `ussd`.
`metadata`	Echo of initialize `metadata`.
`split`	Present when you passed `distribution`.

Fulfill when data.status is success and data.amount matches the order.

`data.status`	Meaning
`pending`	Created, not finished.
`processing`	In flight.
`success`	Paid.
`failed`	Terminal failure.
`abandoned`	Customer left without paying.

Idempotent fulfillment

Webhooks retry. The customer can reload the callback URL.

Load the order by reference.
If it is already marked paid, return 200.
If verify says success and the amount matches, mark paid once.

Checkout helpers (access code)

GET /v1/payment/checkout/status
GET /v1/payment/checkout/verify
GET /v1/payment/checkout/events

Use secret-key verify on the server.

⌘I