Morapay Developer Docs

Fiat payment methods at checkout are configured per environment. Use these endpoints to discover enabled rails, quote payer totals, initialize sessions, and verify status. Base URL: https://api.morapay.io

Endpoints

Method	Path	Auth	Description
`GET`	`/api/public/fiat/config`	None	Enabled fiat methods (proxies to Core `/api/commerce/fiat-checkout/config`)
`POST`	`/api/public/fiat/payments/initialize`	None	Start MoMo, bank, or card session
`GET`	`/api/public/fiat/transactions/verify/:reference`	None	Poll payment status
`POST`	`/api/public/fiat/payments/test-confirm`	None	TEST mode only: simulate success
`POST`	`/api/public/commerce/fiat`	None	Quote payer fiat total (proxies to Core `/api/commerce/checkout-fiat`)
`POST`	`/api/public/validate/momo`	None	Validate MoMo number
`POST`	`/api/public/validate/bank`	None	Validate bank account
`GET`	`/api/public/validate/banks`	None	Bank list for forms

Checkout config

GET /api/public/fiat/config Returns enabled fiat methods for TEST or LIVE checkout. On Core this route is registered as GET /api/commerce/fiat-checkout/config.

Query parameters

Parameter	Type	Description
`environment`	string	`TEST` or `LIVE` (default `LIVE`)

curl -s "https://api.morapay.io/api/public/fiat/config?environment=LIVE"

200 OK

{
  "success": true,
  "data": {
    "environment": "LIVE",
    "methods": [
      {
        "id": "mobile_money",
        "provider": "moolre",
        "enabled": true,
        "currencies": ["GHS", "NGN"]
      },
      {
        "id": "bank_transfer",
        "provider": "moolre",
        "enabled": true,
        "currencies": ["GHS", "NGN"]
      },
      {
        "id": "card",
        "provider": "paystack",
        "enabled": true,
        "currencies": ["GHS", "NGN"],
        "channels": ["card"]
      }
    ]
  }
}

400 Bad Request

{
  "success": false,
  "error": "Invalid environment query.",
  "code": "request.invalid",
  "requestId": "req_fiat_cfg400"
}

Commerce fiat quote

POST /api/public/commerce/fiat Quote fiat checkout amounts for a payment link or product session. Proxies to Core POST /api/commerce/checkout-fiat.

Legacy Core alias: POST /api/commerce/paystack-fiat-quote. Do not use /api/public/catalog/quotes/checkout for fiat payer totals.

Field	Type	Required	Description
`payment_link_id`	uuid	One of	Link id
`product_id`	uuid	One of	Product id
`payer_currency`	string	Yes	e.g. `GHS`, `NGN`
`quote_tier`	string	Yes	`mobile_money`, `bank_transfer`, `card_local`, `card_international`
`invoice_major`	number	No	Override invoice amount

curl -s -X POST "https://api.morapay.io/api/public/commerce/fiat" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_link_id": "link_uuid",
    "payer_currency": "GHS",
    "quote_tier": "mobile_money",
    "invoice_major": 100
  }'

200 OK

{
  "success": true,
  "data": {
    "payerCurrency": "GHS",
    "payerAmountMajor": "1250.00",
    "quoteTier": "mobile_money",
    "expiresAt": "2026-03-01T12:05:00.000Z"
  }
}

422 Unprocessable Entity

{
  "success": false,
  "error": "Fiat rail is not enabled for this currency.",
  "code": "request.validation_failed",
  "requestId": "req_commerce422"
}

Initialize fiat payment

POST /api/public/fiat/payments/initialize Starts a MoMo, bank transfer, or card session for an existing transaction.

Field	Type	Required	Description
`transaction_id`	string	Yes	Morapay transaction id
`payment_method`	string	Yes	`mobile_money`, `bank_transfer`, or `card`
`phone`	string	MoMo	E.164 or local format
`provider`	string	MoMo	e.g. `MTN`, `VOD`
`bank_code`	string	Bank	Institution code
`account_number`	string	Bank	Payer account

curl -s -X POST "https://api.morapay.io/api/public/fiat/payments/initialize" \
  -H "Content-Type: application/json" \
  -d '{
    "transaction_id": "txn_abc123",
    "payment_method": "mobile_money",
    "phone": "233241234567",
    "provider": "MTN"
  }'

200 OK

{
  "success": true,
  "data": {
    "reference": "fiat_ref_xyz",
    "status": "PENDING",
    "authorizationUrl": null,
    "ussdCode": "*170#"
  }
}

400 Bad Request

{
  "success": false,
  "error": "Transaction is not payable.",
  "code": "request.invalid",
  "requestId": "req_init400"
}

422 Unprocessable Entity

{
  "success": false,
  "error": "Mobile money number could not be validated.",
  "code": "payouts.momo.account_not_found",
  "requestId": "req_init422"
}

Verify fiat payment

GET /api/public/fiat/transactions/verify/:reference Poll payment status after the payer completes MoMo, bank, or card checkout.

Query	Description
`payment_method`	Same method used at initialize

curl -s "https://api.morapay.io/api/public/fiat/transactions/verify/fiat_ref_xyz?payment_method=mobile_money"

200 OK

{
  "success": true,
  "data": {
    "reference": "fiat_ref_xyz",
    "status": "COMPLETED",
    "transactionId": "txn_abc123"
  }
}

404 Not Found

{
  "success": false,
  "error": "Payment reference not found.",
  "code": "resource.not_found",
  "requestId": "req_verify404"
}

MoMo and bank validation

Validate numbers before checkout:

curl -s -X POST "https://api.morapay.io/api/public/validate/momo" \
  -H "Content-Type: application/json" \
  -d '{ "receiver": "233241234567", "provider": "MTN", "currency": "GHS" }'

200 OK

{
  "success": true,
  "data": {
    "valid": true,
    "accountName": "JOHN DOE"
  }
}

422 Unprocessable Entity

{
  "success": false,
  "error": "Could not resolve mobile money account.",
  "code": "payouts.momo.account_not_found",
  "requestId": "req_momo422"
}

Bank list for checkout forms: GET /api/public/validate/banks?country=gha (gha or nga).

Supported fiat currencies

Currency	MoMo	Virtual bank	Card
GHS	Yes	Yes	Yes
NGN	Yes	Yes	Yes

International on/offramp corridors use additional countries at quote time. See Countries & fiat.

MoMo operators

Ghana GHS: MTN, Telecel, AirtelTigo

Getting started

Payments

Money movement

Account

Recurring and events

Public checkout

Catalog

Fiat checkout API

Endpoints

Checkout config

Query parameters

Commerce fiat quote

Initialize fiat payment

Verify fiat payment

MoMo and bank validation

Supported fiat currencies

MoMo operators

​Endpoints

​Checkout config

​Query parameters

​Commerce fiat quote

​Initialize fiat payment

​Verify fiat payment

​MoMo and bank validation

​Supported fiat currencies

​MoMo operators

​Related

Endpoints

Checkout config

Query parameters

Commerce fiat quote

Initialize fiat payment

Verify fiat payment

MoMo and bank validation

Supported fiat currencies

MoMo operators

Related