Accept payments
Hosted checkout
Send customers to a LokiPay page for API payments.
When your backend creates a payment with POST /v1/intents, the response includes a checkoutUrl. Redirect the customer there — LokiPay shows the payment instructions, waits for the MoMo SMS, handles “I have paid”, and shows the receipt. This replaces the old lokipay-sdk React widget.
POST /v1/intents → response (excerpt)
{
"id": "cmvymj4a1000621twmsz5y6i5",
"shortRef": "Q9N2LPU7",
"status": "PENDING",
"expectedAmountPesewas": 15000,
"checkoutUrl": "https://pay.yourshop.com/checkout/cmvymj4a1000621twmsz5y6i5",
"payTo": { "network": "MTN", "accountName": "Loki Store", "accountNumber": "0241234567", "instructions": "…" }
}Two ways to integrate#
| Hosted checkout | Your own UI | |
|---|---|---|
| Show instructions | LokiPay page | Use payTo and shortRef from the response |
| Know it’s paid | Webhook (recommended) or poll | Webhook, or poll GET /v1/intents/:id |
| “I have paid” | Built in | Call POST /v1/intents/:id/claim |
Never trust the browser alone
Fulfil the order when your server receives a verified payment.verified webhook (or fetches the payment and sees VERIFIED) — not because the customer came back to your site.Checkout page states#
- Waiting for payment — instructions plus a countdown for the reference auto-match window.
- Checking — the customer submitted a Transaction ID; waiting for the SMS.
- Under review — an admin will decide; the customer is told not to pay again.
- Payment confirmed — receipt with Transaction ID and time. If you passed
returnUrlwhen creating the payment, the customer is sent back to your site after a short countdown. - Cancelled / could not be confirmed — for cancelled or rejected payments.