Morapay Developer Docs

The Morapay API is the public HTTP surface for merchant integrations. Production base URL: https://api.morapay.io.

API families

Family	Base path	Auth
Merchant API v1	`/api/v1/merchant`	HMAC signed headers
Public catalog and checkout	`/api/public`	Mostly unsigned
V1 quotes	`/api/v1/quotes`	Varies by route

Discover Merchant API v1

curl -s https://api.morapay.io/api/v1/merchant

{
  "success": true,
  "data": {
    "version": "v1",
    "description": "Morapay merchant integration API",
    "resources": {
      "links": "/api/v1/merchant/links",
      "products": "/api/v1/merchant/products",
      "webhooks": "/api/v1/merchant/webhooks/endpoints",
      "disbursement": "/api/v1/merchant/disbursement"
    }
  }
}

Endpoint index

Payments and catalog

Resource	Methods	Doc
Payment links	`GET`, `POST`, `PATCH`	Payment links
Payment requests	`GET`, `POST`	Business QR
Products	`GET`, `POST`, `PATCH`	Products
Business QR / pay	`GET`, `POST`	Business QR
Quotes	`POST`	Quotes

Money movement

Resource	Methods	Doc
Transactions	`GET`	Transactions
Refunds	`POST`	Transactions
Settlements / withdraw	`GET`, `POST`	Transactions
Payout methods	`GET`, `POST`, `PATCH`	Payout methods
Disbursement batches	`GET`, `POST`, `DELETE`	Disbursement
Payout rails	`GET`	Payout rails

Account and keys

Resource	Methods	Doc
Business profile	`GET`, `PATCH`	Business and keys
API keys	`GET`, `POST`, `PATCH`, `DELETE`	Business and keys
Summary KPIs	`GET`	Business and keys

Recurring and events

Resource	Methods	Doc
Subscription plans	`GET`, `POST`, `PATCH`	Subscriptions
Enrollments	`GET`, `POST`, pause, cancel	Subscriptions
Webhook endpoints	`GET`, `POST`, `PATCH`, `DELETE`	Webhooks
Webhook deliveries	`GET`, retry	Webhooks

Public catalog and checkout

Resource	Methods	Doc
Countries	`GET`	Catalog
Chains and tokens	`GET`	Catalog
Payment link lookup	`GET`	Public checkout
Subscription checkout	`GET`, `POST`	Public checkout
Fiat config	`GET`	Fiat checkout
Fiat initialize / verify	`POST`, `GET`	Fiat checkout
Commerce fiat quote	`POST`	Fiat checkout (`/api/public/commerce/fiat` → Core `/api/commerce/checkout-fiat`)

Portal-only

Resource	Methods	Notes
Team	`GET`, `POST`, `PATCH`, `DELETE`	`/team/*`
CRM customers	`GET`, `POST`, `PATCH`	`/crm/customers`
KYC / KYB	`GET`, `POST`	Portal verification flows
CSV exports	`GET`	`/exports/*.csv`

Authentication

Every Merchant API call requires signed headers. See Authentication and Conventions.

curl -s -X GET "https://api.morapay.io/api/v1/merchant/links" \
  -H "Morapay-Key: $MORAPAY_PUBLIC_KEY" \
  -H "Morapay-Timestamp: $TIMESTAMP" \
  -H "Morapay-Signature: v1=$SIGNATURE"

TEST vs LIVE is determined by your key pair. Do not send x-merchant-environment with API keys.

Responses and errors

Success:

{ "success": true, "data": { }, "meta": { "page": 1, "limit": 20, "total": 42 } }

Failure responses include code, displayMessage, and requestId. During day-to-day integration you will commonly see 401, 403, 404, 422, and 429.

401 Unauthorized

{
  "success": false,
  "error": "Invalid request signature.",
  "code": "auth.signature.mismatch",
  "requestId": "req_overview401"
}

422 Unprocessable Entity

{
  "success": false,
  "error": "Amount is below the minimum for this corridor.",
  "code": "links.amount.below_minimum",
  "requestId": "req_overview422"
}

See Conventions for the full status code table and error envelope.

Coverage cross-reference

Topic	API doc	Reference data
Countries and fiat	Catalog	Countries
Chains and tokens	Catalog	Chains
Banks and MoMo	Payout rails	Banks
Disbursement tokens	Disbursement	Tokens
Fees	Quotes	Fees

Client libraries

For typed helpers and automatic request signing, use the @morapay/sdk in Guides.

Getting started

Payments

Money movement

Account

Recurring and events

Public checkout

Catalog

API overview

API families

Discover Merchant API v1

Endpoint index

Payments and catalog

Money movement

Account and keys

Recurring and events

Public catalog and checkout

Portal-only

Authentication

Responses and errors

Coverage cross-reference

Client libraries

​API families

​Discover Merchant API v1

​Endpoint index

​Payments and catalog

​Money movement

​Account and keys

​Recurring and events

​Public catalog and checkout

​Portal-only

​Authentication

​Responses and errors

​Coverage cross-reference

​Client libraries

API families

Discover Merchant API v1

Endpoint index

Payments and catalog

Money movement

Account and keys

Recurring and events

Public catalog and checkout

Portal-only

Authentication

Responses and errors

Coverage cross-reference

Client libraries