Process Payment
- Paymish
- Utility
Recommended workflow
Authenticate first and inject a valid bearer token or secret key before calling the endpoint.
Validate the input data, identifiers, and account state in your application before making the request.
Send the POST request from your backend using the required headers and the expected content type (application/json).
Persist the important identifiers returned in the response so later lookups, webhooks, or support actions can be linked correctly.
Implementation notes
- Validate the request payload on your backend before sending it, especially the 9 documented body fields.
- Protect state-changing operations with strong validation, logging, and retry rules to avoid duplicate mutations.
Request Body
Content type: application/json
paymentReference
5352405452351
customerId
0101160313181
packageSlug
MTN_NIGERIA
channel
WEB
amount
6800.5
customerName
Tester Example
phoneNumber
23480812345
email
tester.example@sample.com
accountNumber
0012345678
Responses
Expected Outcomes
Success example
Successfully processed payment.
{
"error": false,
"status": "success",
"message": "Successfully processed the vend request",
"responseCode": "00",
"responseData": "value"
}Failure example
Failed to process payment.
{
"error": true,
"message": "Internal Server Error"
}- Log the Paymish reference or request context returned by the API so support teams can trace the call later.
- Retry only when the failure is safe to repeat; otherwise correct the payload or auth state first.
- Store enough internal metadata to match the API response back to your order, payout, case, or checkout record.
Language Notes
Python
Use `requests` from a backend worker, service, or Django/Flask app and centralize headers in a reusable helper.
Node.js
Use `axios` or `fetch` from Node.js services only; do not place secret credentials in frontend bundles.
PHP
Wrap cURL usage in a small client class so auth headers, error handling, and logging stay consistent.
cURL
Use cURL for smoke testing and debugging, then move the final logic into your backend service code.
Code Examples
import requests
headers = {
"Authorization": "Bearer YOUR_SECRET_KEY",
"Content-Type": "application/json",
}
payload = {
"paymentReference": "5352405452351",
"customerId": "0101160313181",
"packageSlug": "MTN_NIGERIA",
"channel": "WEB",
"amount": 6800.5
}
response = requests.post(
"https://api.paymish.com/api/payment-service/external/v1/utility/transactions/process-payment",
headers=headers,
json=payload,
)
data = response.json()
print(data)const axios = require("axios");
const response = await axios({
method: "post",
url: "https://api.paymish.com/api/payment-service/external/v1/utility/transactions/process-payment",
headers: {
Authorization: "Bearer YOUR_SECRET_KEY",
"Content-Type": "application/json",
},
data: {
"paymentReference": "5352405452351",
"customerId": "0101160313181",
"packageSlug": "MTN_NIGERIA",
"channel": "WEB",
"amount": 6800.5
}
});
console.log(response.data);curl https://api.paymish.com/api/payment-service/external/v1/utility/transactions/process-payment \
-X POST \
-H "Authorization: Bearer YOUR_SECRET_KEY" \
-H "Content-Type: application/json" \
-d '{ "paymentReference": "5352405452351", "customerId": "0101160313181", "packageSlug": "MTN_NIGERIA", "channel": "WEB", "amount": 6800.5 }'<?php
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, "https://api.paymish.com/api/payment-service/external/v1/utility/transactions/process-payment");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, "POST");
curl_setopt($ch, CURLOPT_HTTPHEADER, [
"Authorization: Bearer YOUR_SECRET_KEY",
"Content-Type: application/json",
]);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode([
"paymentReference" => "5352405452351",
"customerId" => "0101160313181",
"packageSlug" => "MTN_NIGERIA",
"channel" => "WEB",
"amount" => 6800.5,
]));
$response = curl_exec($ch);
curl_close($ch);
$data = json_decode($response, true);
print_r($data);