Create a keyCopy Anchor Link

Open the 221 Pay dashboard (create an account if needed), then Developers > API keys: create a key with the payments scope. The link opens the dashboard of the environment serving this documentation, the one of the base URL below. A test key starts with sk_221_pay_test_; its secret is shown only once.

export API_KEY="sk_221_pay_test_…"
export API_URL="<base URL below>"

Create a paymentCopy Anchor Link

curl -X POST "$API_URL/v1/payments" \
  -H "Authorization: Bearer $API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "5000",
    "currency": "XOF",
    "rail": "sn_wave",
    "merchant_reference": "order-1042",
    "return_url": "https://shop.example/payment/return",
    "customer_phone": "77 123 45 67"
  }'

Redirect the customer to checkout_url, or follow next_action.

Receive the resultCopy Anchor Link

On confirmation, 221 Pay sends the payment.succeeded event to the project's webhook endpoints. The payment can also be read at any time:

curl "$API_URL/v1/payments/$PAYMENT_ID" -H "Authorization: Bearer $API_KEY"

status is then confirmed; fee and net give the fees and the credited amount.