POST
/
checkout
/
create
curl --request POST \
  --url https://sandbox.gateway.mona.ng/checkout/create \
  --header 'Content-Type: application/json' \
  --data '{
  "merchantId": "<string>",
  "customerId": "<string>",
  "customerPhone": "+2349347685434",
  "amount": 50000,
  "paymentOptions": [
    "bankTransfer",
    "card",
    "mona"
  ],
  "cart": {
    "items": [
      {
        "productId": "BGI-CLA-1243",
        "imageUrl": "https://afrizonemart.com/wp-content/uploads/2022/11/Mt2TGyrMxl_1200x1200.jpg",
        "productName": "Bigi Cola 500ML",
        "quantity": 2,
        "unitPrice": 1500000
      }
    ]
  },
  "payLineItems": [
    {
      "name": "Subtotal",
      "amount": 40000
    }
  ],
  "monaEnrolment": {
    "reference": "<string>",
    "validFromDate": "15-MAR-2024",
    "validToDate": "15-MAR-2025",
    "maximumIndividualAmount": 50000,
    "periodicLimits": [
      {
        "amount": 50000,
        "periodType": "Day",
        "periodAlignment": "Consent"
      }
    ]
  }
}'
{
  "success": true,
  "message": "<string>",
  "transactionId": "<string>",
  "url": "<string>"
}

Body

application/json
Checkout session parameters
​
merchantId
string
required

Your Mona merchant ID

​
amount
integer
required

The amount the customer is being charged, in kobo. Please note, this is the exact amount customer will be charged. To specify taxes, shipping costs or discounts please use the 'lineItems' key.

Example:

50000

​
paymentOptions
any[]
required

An array of payment methods accepted in this session. Options are: card, bankTransfer and mona.

Example:
["bankTransfer", "card", "mona"]
​
customerId
string

The ID of the customer in the Mona system. Useful to return saved payment methods without needing an additional OTP.

​
customerPhone
string

To pre-populate the customers' phone number in the first step of the checkout flow. Make sure to add country code.

Example:

"+2349347685434"

​
cart
object
​
payLineItems
object[]

A list of line items for the payment, including names and amounts.

​
monaEnrolment
object

Optional object to pass if you are enrolling your customer in Mona Pay by Bank

Response

200
application/json
Checkout created response
​
success
boolean
required

Status of the response

​
message
string
required

Message from server instructing you to pass the URL to customer.

​
transactionId
string
required

Status of the response

​
url
string
required

The gateway URL to pass to the user to complete the transaction