This feature allows the merchant to simulate as if the customer is paying through a bank or MNO digital platform using the request-to-pay feature to accept the payment. This requires that the transaction was already initiated through the request-to-pay feature; otherwise, you will get an error indicating that the transaction does not exist.
Bearer authentication header of the form Bearer Token, Where accessToken is the access token used to authenticate the request.
An active account number for the merchant used to initiate a request-to-pay transaction.
12345678
The total transaction (checkout) amount the customer is supposed to pay for the initiated transaction.
8375000
The unique number representing the institution (bank/MNO) a customer used to pay for the merchant goods/services.
212188
The generated temporary (short-lived) account number tied to an initiated request-to-pay transaction.
"11005533"
The currency code associated with a transaction and should match with merchant account currency defined.
"MWK"
The user registered under the merchant account being used.
"username@example.com"
Success Response (200)
Unique reference number for the transaction
"CBPC73IQ5U2E"
Account number of the beneficiary/merchant
12346198
Name of the beneficiary account
"MERCHANT SANDBOX"
Currency code of the beneficiary
"MWK"
Source account number
"5271306"
Name of the source customer
"ANGEL BAULENI"
Reference number from the source system
"JF260209114N"
Currency code of the source amount
"MWK"
The name of the payment connector
"National Bank of Malawi"
Total amount sent in the transaction
50000
Net amount received after fees (amountSent - transactionFee)
49500
Fee charged for the transaction
500
Description of the transaction
"Payment Transaction"
Date and time of the transaction
"2026-02-09T15:12:52.8020476+02:00"
Value date of the transaction
"2026-02-09T15:12:52.8020476+02:00"
Transaction code
"BAM"
Type/description of the transaction
"Account To Merchant"
Status code of the transaction (e.g., 'S' for Success)
"S"
Human-readable status description
"Success"
Bridge reference number for the transaction
"019c4288-9342-7ebd-a947-6d97d4da77ed"
Date and time when the transaction was created
"2026-02-09T15:12:52.8020476+02:00"
Unified response code from the payment system
"S100"
Response description from the payment system
"Successful transaction"