Direct Payments API

Process payments directly through various payment providers. Support for local currency (ETB) and international payments (USD).

Overview

The Direct Payment API allows you to initiate payments through multiple payment providers. Payments can be processed in ETB (local) or USD (international via CYBERSOURCE).

Endpoint

POST /api/v2/payment/direct

Authentication

X-API-Key header required

Local Currency Payments (ETB)

Supported Providers

MPESA

TELEBIRR

CBE

ETHSWITCH

LAKIPAY

Request Parameters

Parameter	Type	Required	Description
amount	decimal	Required	Payment amount (e.g., 100.00)
currency	string	Required	Currency code: "ETB" for local payments
phone_number	string	Required	Customer phone in E.164 format (+251...)
medium	string	Required	Payment provider: MPESA, TELEBIRR, CBE, etc.
description	string	Optional	Payment description
reference	string	Required	Unique reference ID for tracking
callback_uri	string	Optional	Webhook URL for payment status updates
redirects	object	Optional	Success/failure redirect URLs

Example Request

curl -X POST https://api.lakipay.co/api/v2/payment/direct \
  -H "Content-Type: application/json" \
  -H "X-API-Key: your-api-key-here" \
  -d '{
    "amount": 100.00,
    "currency": "ETB",
    "phone_number": "+251911234567",
    "medium": "MPESA",
    "description": "Payment for order #12345",
    "reference": "ORDER-12345",
    "callback_uri": "https://yourwebsite.com/webhook"
  }'

Success Response

{
  "status": "SUCCESS",
  "message": "Payment initiated successfully",
  "data": {
    "transaction_id": "TXN-123456789",
    "reference": "ORDER-12345",
    "amount": 100.00,
    "currency": "ETB",
    "status": "PENDING",
    "medium": "MPESA",
    "created_at": "2024-01-15T10:30:00Z"
  }
}

USD International Payments (via CYBERSOURCE)

Important Requirements

• USD payments are only available via CYBERSOURCE provider
• Your account must be enabled for USD transactions
• Contact support to enable USD payment processing
• Currency must be set to "USD"

Additional Parameters

Parameter	Type	Description
currency	string	Must be "USD" for international payments
medium	string	Must be "CYBERSOURCE"
merchant_pays_fee	boolean	Whether merchant absorbs transaction fees

Example USD Payment Request

curl -X POST https://api.lakipay.co/api/v2/payment/direct \
  -H "Content-Type: application/json" \
  -H "X-API-Key: your-api-key-here" \
  -d '{
    "amount": 50.00,
    "currency": "USD",
    "phone_number": "+1234567890",
    "medium": "CYBERSOURCE",
    "description": "International payment",
    "reference": "INTL-12345",
    "merchant_pays_fee": false,
    "callback_uri": "https://yourwebsite.com/webhook"
  }'

Payment Providers

MPESA

Mobile money payment provider

ETB

TELEBIRR

Ethio Telecom mobile money service

ETB

CBE

Commercial Bank of Ethiopia

ETB

ETHSWITCH

Ethiopian banking switch network

ETB

LAKIPAY

LakiPay direct payment method

ETB

CYBERSOURCE

International payment gateway for USD transactions

USD