Checkout Sessions

The Checkout endpoint allows merchants to initiate a secure, white-labeled payment session for their customers. This generates a unique URL where customers can complete their payments using multiple channels including Bank Transfer, USSD, and Card.

Endpoint Details

Base URL https://merchant.finovopay.com/v1/index.php

Method POST

Request Parameters

Field	Type	Required	Description
action	String	Yes	Must be set to `checkout`
amount	Float	Yes	The total amount to be paid by the customer.
customer_email	String	Yes	Payer’s email address for digital receipts.
description	String	No	A short label for the transaction.

Success Response

JSON Response

{
  "success": true,
  "data": {
      "checkout_url": "https://merchant.finovopay.com/checkout.php?code=180408C1870574F1",
      "transaction_ref": "FP_CH_1FF9F0E1_1767443388"
  }
}

Implementation Best Practices

Redirection

Perform a server-side redirect to the checkout_url immediately.

Reference Storage

Always store the transaction_ref for future reconciliation.

Webhooks

Use webhooks to automate order fulfillment instantly.