Create a payment

POST /v1/payments

Headers

Header	Required	Value
`Authorization`	yes	`Bearer sk_...`
`Idempotency-Key`	yes	unique per operation
`Content-Type`	yes	`application/json`

Body

Field	Type	Required	Notes
`customer_id`	string	yes	Customer ULID
`amount_minor`	int	yes	Positive integer minor units
`currency`	string	yes	ISO 4217
`method`	string	yes	A selectable method from `/payments/methods`
`reference`	string	no	Your reference for reconciliation

method must be selectable for the customer: query GET /v1/payments/methods first. virtual_account is never selectable: it is a funding instrument, not a checkout method.

Request

curl https://api.ouipay.africa/v1/payments \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: pay-001" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "01M2S17...",
    "amount_minor": 50000,
    "currency": "NGN",
    "method": "card"
  }'

Response `201`

The payment object. method-dependent next action is in provider: e.g. redirect_url for card.

Errors

HTTP	`error.code`	Cause
400	`VALIDATION`	Invalid field
422	`METHOD_NOT_SELECTABLE`	Method not enabled for the customer
422	`INSUFFICIENT_FUNDS`	Wallet/funding short (wallet method)