Paywithmoniepoint – Cashonrails Documentation

Pay with Moniepoint

Overview

Process Moniepoint payments directly through your server using Cashonrails S2S APIs.

Integration Steps

Initialize Moniepoint Payment
Verify Transaction
Cancel Transaction

Each step has specific requirements. Follow the detailed guide below for implementation.

Base URL

https://api.cashonrails.com/api/v1/s2s

1. Initialize Moniepoint Payment

Initialize a Moniepoint payment transaction:


curl --location '{{baseurl}}/moniepoint/initialize' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer YOUR_SECRET_KEY' \
--data-raw '{
    "email": "test@email.com",
    "amount": "100",
    "currency": "NGN",
    "reference": "{{reference}}"
}'

Parameter	Type	Required	Description
email	string	Yes	Customer’s email address
amount	string	Yes	Amount to charge
currency	string	Yes	Currency code (e.g., NGN)
reference	string	Yes	Unique transaction reference

Sample Response:


{
    "success": true,
    "message": "Account generated successfully",
    "data": {
        "total_amount": "100",
        "account_name": "John Doe Test",
        "account_number": 14771243030,
        "bank_name": "Moniepoint",
        "expires": "2026-01-02T10:52:05.763658Z",
        "_links": {
            "url": "https://api.cashonrails.com/api/v1/checkout/verify-transaction/s2sref_768706372376985",
            "method": "GET"
        }
    }
}

2. Verify Transaction

Always verify the transaction status:


curl -X GET '{{baseurl}}/transaction/verify/{reference}' \
-H "Authorization: Bearer YOUR_SECRET_KEY"

Sample Response:


{
    "status": true,
    "message": "Transaction verified successfully",
    "data": {
        "reference": "COR_202402210123456789",
        "amount": "100",
        "currency": "NGN",
        "status": "success",
        "payment_method": "bank_transfer"
    }
}

Always verify transaction status before confirming payment. Payments may take a few minutes to complete.

3. Cancel Transaction

You can cancel a transaction that is still pending or in progress:


curl -X GET {{baseurl}}/transaction/cancel/{reference} \
-H "Authorization: Bearer YOUR_SECRET_KEY"

Replace {reference} with your transaction reference.

Cancellation Rules

Only pending or processing transactions can be cancelled
Completed transactions cannot be cancelled (use refund instead)
Failed transactions are already inactive and don’t need cancellation
Once cancelled, a transaction cannot be resumed