Payments
KonetPay collects naira from your customers by bank transfer, on a hosted checkout. You decide the amount and reference; KonetPay handles the payment page; you confirm the result before you deliver value.
From your server, with your secret key, you send the amount in kobo, the customer’s email and your own unique reference (up to 30 characters). You can also pass the customer’s name and phone number and flat metadata such as an order id.
You choose who bears the fee: you (the default) or the customer, in which case it is added on top.
KonetPay returns a checkout link. Send the customer’s browser there. They never enter payment details on your site, and you never handle them.
The checkout shows the transfer details. When the customer is done they are redirected to your callback address with the reference and status in the address.
That redirect is a signal for your interface. It is not proof of payment, so never credit an order from it.
Use at least one of the two independent checks below. Using both is the most robust.
Confirming a payment
KonetPay posts the event to your endpoint with a signature header. Check the signature, the event type and the status, and confirm the amount and currency match your order.
Ask KonetPay directly for the transaction status with your secret key. The response mirrors the webhook payload, including paid amount, fee and net amount.
What to expect
Settlement details are managed in your KonetPay dashboard. For anything not listed here, ask the team before you plan around it.
Test credentials are issued as soon as you create your business.
