Payment Verification

The Verification endpoint serves as the definitive source of truth for payment status. It allows merchants to programmatically check the state of a transaction (Checkout or Virtual Account) to ensure funds are secured before providing services or releasing goods.

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 `verify_transaction`
transaction_ref	String	Yes	The unique reference ID associated with the payment.

Implementation Example

Sample Request Payload

{
  "action": "verify_transaction",
  "transaction_ref": "FP_CH_1FF9F0E1_1767443388"
}

Success Response

{
  "success": true,
  "status": "success",
  "data": {
    "amount": "5000.00",
    "currency": "NGN",
    "status": "success",
    "customer_email": "[email protected]",
    "created_at": "2026-01-03 13:29:48"
  }
}

Status Definitions

success: Payment confirmed. Provide service.

pending: Awaiting customer action. Do not fulfill.

failed: Payment declined or canceled.

Verification Strategy

While the Verification endpoint is excellent for manual checks and fallback logic, FinovoPay recommends a Webhook-First approach for real-time, automated fulfillment. Use this endpoint primarily if a webhook is missed or for a final "Return to Site" check.