curl --request POST \
  --url https://mercy-pay.com/api/v1/payments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "amount": 1000,
  "currency": "XAF",
  "country": "CMR",
  "provider": "MTN_MOMO_CMR",
  "phone": "237680000000",
  "description": "Commande 9123"
}
'

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://mercy-pay.com/api/v1/payments",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 1000,
    'currency' => 'XAF',
    'country' => 'CMR',
    'provider' => 'MTN_MOMO_CMR',
    'phone' => '237680000000',
    'description' => 'Commande 9123'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "Idempotency-Key: <idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 1000,
    currency: 'XAF',
    country: 'CMR',
    provider: 'MTN_MOMO_CMR',
    phone: '237680000000',
    description: 'Commande 9123'
  })
};

fetch('https://mercy-pay.com/api/v1/payments', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://mercy-pay.com/api/v1/payments"

payload = {
    "amount": 1000,
    "currency": "XAF",
    "country": "CMR",
    "provider": "MTN_MOMO_CMR",
    "phone": "237680000000",
    "description": "Commande 9123"
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "data": {
    "id": "pay_5e0c8a7b3d1f4a2e9c648b7f0d2e1a93",
    "object": "payment",
    "livemode": false,
    "created": "2026-10-04T10:20:00+00:00",
    "checkout_session": null,
    "amount": 1000,
    "fee_amount": 50,
    "net_amount": 950,
    "currency": "XAF",
    "payment_method": "mobile_money",
    "mobile_money_country": "CMR",
    "mobile_money_provider": "MTN_MOMO_CMR",
    "status": "pending",
    "failure_code": null,
    "failure_reason": null,
    "metadata": null,
    "next_action": null
  }
}

{
  "error": {
    "type": "idempotency_error",
    "code": "idempotency_key_missing",
    "message": "L'en-tête Idempotency-Key est obligatoire.",
    "param": null,
    "doc_url": "https://docs.mercy-pay.com/developers/errors#idempotency_key_missing",
    "request_id": "req_01jc8x4m2v7t9qk3n5w6y8z0ab"
  }
}

{
  "error": {
    "type": "authentication_error",
    "code": "api_key_invalid",
    "message": "Clé API invalide.",
    "param": null,
    "doc_url": "https://docs.mercy-pay.com/developers/errors#api_key_invalid",
    "request_id": "req_01jc8x4m2v7t9qk3n5w6y8z0ab"
  }
}

{
  "error": {
    "type": "authentication_error",
    "code": "live_mode_requires_kyc",
    "message": "Le mode live demande un KYC approuvé.",
    "param": null,
    "doc_url": "https://docs.mercy-pay.com/developers/errors#live_mode_requires_kyc",
    "request_id": "req_01jc8x4m2v7t9qk3n5w6y8z0ab"
  }
}

{
  "error": {
    "type": "invalid_request_error",
    "code": "conflict",
    "message": "Cette ressource est utilisée : archivez-la.",
    "param": null,
    "doc_url": "https://docs.mercy-pay.com/developers/errors#conflict",
    "request_id": "req_01jc8x4m2v7t9qk3n5w6y8z0ab"
  }
}

{
  "error": {
    "type": "invalid_request_error",
    "code": "validation_failed",
    "message": "Le champ amount est obligatoire.",
    "param": "amount",
    "doc_url": "https://docs.mercy-pay.com/developers/errors#validation_failed",
    "request_id": "req_01jc8x4m2v7t9qk3n5w6y8z0ab",
    "errors": {
      "amount": [
        "Le champ amount est obligatoire."
      ]
    }
  }
}

{
  "error": {
    "type": "rate_limit_error",
    "code": "rate_limited",
    "message": "Trop de requêtes.",
    "param": null,
    "doc_url": "https://docs.mercy-pay.com/developers/errors#rate_limited",
    "request_id": "req_01jc8x4m2v7t9qk3n5w6y8z0ab"
  }
}