---
title: "Initiate Checkout"
method: POST
path: "/checkout/payments"
---

# Initiate Checkout

`POST /checkout/payments`

## Headers

- `x-pub-key` string
- `x-business-id` string

## Request body

- object
  - `currency` 'NGN' | 'KES' | 'GHS' | 'UGX' | 'USD' | 'ZMW' | 'XAF' | 'XOF' | 'TZS', required — The currency in which the customer should be charged. (NGN, KES, GHS, UGX,XAF,XOF)
  - `amount` integer, required — The amount to charge the customer
  - `customer` object, required — The customer details
    - `name` string, required — The name of the customer in the format firstname and lastname e.g Ayo Ayobola
    - `email` string, required — The email of the customer
    - `phoneNumber` string — The customer mobile number
  - `paymentMethods` string[] — The payment method you want to make available to your customers . e.g bank_transfer, card and payAttitude
  - `reference` string — The unique transaction reference identifies the transaction on your application. If you do not provide one, a unique transaction reference would be generated for the transaction.
  - `feeBearer` 'customer' | 'business' — Decide who will bear the transaction fees.
  - `settlementDestination` 'wallet' — A settlement destination is the location where you want your payments to be settled. The settlement destination is your Fincra wallet by default.
  - `redirectUrl` string — The URL to redirect your customer when the transaction is complete.
  - `defaultPaymentMethod` 'bank_transfer' | 'card' | 'payAttitude' — The Payment method that should be active by default on the checkout page
  - `metadata` object — Add any information you would like to send e.g metadata: {userId: "my_user_id" }
  - `quoteReference` string — This is only required when initiating a cross currency checkout

## Response `200`

200

- object
  - `status` boolean
  - `message` string
  - `data` object
    - `link` string
    - `reference` string
    - `payCode` string

## Other responses

- `400` — 400

---

[API](https://skmtc.net/fincra/apis/awesome-new-api.md) · [All operations](https://skmtc.net/fincra/apis/awesome-new-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fincra/awesome-new-api/revisions/c8215c27b460/schema)