Collect Payments

Instead of a standing virtual account, generate a payment link for one specific amount. It shows your customer a dedicated, one-time bank account number to transfer into — on your own branded page, not a third-party site. The account only accepts the exact amount and expires after 30 minutes.

Collect Payments is enabled per-merchant. If it isn’t enabled on your account yet, these endpoints return SERVICE_NOT_ENABLED — contact support to request access.

Create Payment Link

POST /api/v1/checkout/create

number

required

Amount in Naira (minimum ₦100).

string

Shown to the customer on the payment page. Max 200 characters.

string

Where your customer is redirected after paying.

curl -X POST "https://www.abcmpay.com/api/v1/checkout/create" \
  -H "X-Api-Key: your-public-key" \
  -H "X-Api-Secret: your-secret-key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "description": "Invoice #123",
    "customer_email": "customer@example.com"
}'

Response

{
    "success": true,
    "reference": "CHK_20260215120000",
    "order_no": "MI2053495351264129024",
    "payment_link": "https://www.abcmpay.com/pay/CHK_20260215120000",
    "checkout_url": "https://gateway.example.com/checkout/abc123",
    "amount": 5000,
    "currency": "NGN",
    "status": "pending"
}

Send your customer to payment_link — it’s our own branded page (shows your business name, the amount, and hands off to the processor). checkout_url is kept only for backward compatibility with older integrations and points directly at the payment processor — new integrations should use payment_link.

This endpoint doesn’t wrap its response in a data object like the other endpoints — the fields are at the top level, alongside success.

We notify your webhook and credit your wallet automatically once payment succeeds — polling status below is optional, useful mainly if you want to reflect it in your own UI immediately.

Check Payment Status

GET /api/v1/checkout/status?reference={reference} Check a payment link’s status using the reference returned when you created it.

curl -X GET "https://www.abcmpay.com/api/v1/checkout/status?reference=CHK_20260215120000" \
  -H "X-Api-Key: your-public-key" \
  -H "X-Api-Secret: your-secret-key"

Response

{
    "success": true,
    "reference": "CHK_20260215120000",
    "order_no": "MI2053495351264129024",
    "status": "success",
    "amount": 5000,
    "paid_at": "2026-02-15T12:14:02Z"
}

paid_at is null until the payment completes.

API Reference

Resources

Getting Started

Collect Payments

Create Payment Link

Check Payment Status

​Create Payment Link

​Check Payment Status

Create Payment Link

Check Payment Status