Payments

Accept payments from your customers via multiple channels: cards, bank transfers, USSD, and more.

Payment Flow

1. Initialize Payment → Get authorization URL
2. Customer Completes Payment
3. Receive Webhook or Verify Payment
4. Fulfill Order

Initialize Payment

curl -X POST https://api.lanonasis.com/v1/payments \
  -H "X-API-Key: sk_live_xxx" \
  -H "Idempotency-Key: payment_order_123" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 250000,
    "currency": "NGN",
    "email": "customer@example.com",
    "callback_url": "https://yourapp.com/payment/callback",
    "channels": ["card", "bank_transfer"],
    "metadata": {
      "order_id": "ORD-12345",
      "product": "Premium Plan"
    }
  }'

Response

{
  "success": true,
  "data": {
    "id": "pay_xyz789",
    "reference": "PAY-20240115-001",
    "authorization_url": "https://checkout.lanonasis.com/pay/abc123",
    "access_code": "abc123def456",
    "expires_at": "2024-01-15T15:30:00Z"
  }
}

Redirect Customer

Redirect your customer to authorization_url to complete payment:

// React/Next.js
window.location.href = payment.data.authorization_url;

// Or open in new tab
window.open(payment.data.authorization_url, '_blank');

Payment Channels

Channel	Description	Settlement
card	Visa, Mastercard, Verve	Instant
bank_transfer	Pay via bank transfer	5-10 min
ussd	USSD code payment	Instant
qr	Scan QR to pay	Instant
mobile_money	Mobile money (Ghana, Kenya)	Instant

Channel-Specific Options

{
  "amount": 250000,
  "currency": "NGN",
  "email": "customer@example.com",
  "channels": ["bank_transfer"],
  "bank_transfer_options": {
    "account_expires_at": "2024-01-15T16:00:00Z"
  }
}

Verify Payment

After customer completes payment (via callback or webhook), verify the payment status:

curl -X POST https://api.lanonasis.com/v1/payments/pay_xyz789/verify \
  -H "X-API-Key: sk_live_xxx"

Response

{
  "success": true,
  "data": {
    "id": "pay_xyz789",
    "reference": "PAY-20240115-001",
    "status": "success",
    "amount": 250000,
    "currency": "NGN",
    "channel": "card",
    "customer": {
      "email": "customer@example.com"
    },
    "authorization": {
      "card_type": "visa",
      "last4": "4081",
      "exp_month": "12",
      "exp_year": "2025",
      "bank": "First Bank",
      "reusable": true,
      "authorization_code": "AUTH_xyz123"
    },
    "paid_at": "2024-01-15T14:35:22Z",
    "metadata": {
      "order_id": "ORD-12345",
      "product": "Premium Plan"
    }
  }
}

Payment Statuses

Status	Description
pending	Awaiting customer action
processing	Payment being processed
success	Payment successful
failed	Payment failed
abandoned	Customer didn't complete
reversed	Refunded/reversed

Recurring Payments

Save Card for Future

When a payment is successful with reusable: true, save the authorization_code:

{
  "authorization_code": "AUTH_xyz123",
  "card_type": "visa",
  "last4": "4081",
  "bank": "First Bank"
}

Charge Saved Card

curl -X POST https://api.lanonasis.com/v1/payments/charge \
  -H "X-API-Key: sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "authorization_code": "AUTH_xyz123",
    "email": "customer@example.com",
    "amount": 150000,
    "currency": "NGN"
  }'

Inline Checkout (JavaScript)

Embed payment directly in your page:

<script src="https://js.lanonasis.com/v1/inline.js"></script>

<button onclick="payWithLanOnasis()">Pay N2,500</button>

<script>
function payWithLanOnasis() {
  LanOnasisCheckout.pay({
    key: 'pk_live_xxx',
    email: 'customer@example.com',
    amount: 250000,
    currency: 'NGN',
    ref: 'unique_reference_123',
    metadata: {
      order_id: 'ORD-12345'
    },
    onClose: function() {
      console.log('Checkout closed');
    },
    callback: function(response) {
      console.log('Payment successful', response);
      // Verify on your backend
      verifyPayment(response.reference);
    }
  });
}
</script>

Refunds

Refund a successful payment:

curl -X POST https://api.lanonasis.com/v1/payments/pay_xyz789/refund \
  -H "X-API-Key: sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 250000,
    "reason": "Customer requested refund"
  }'

Partial Refunds

{
  "amount": 100000,
  "reason": "Partial refund for returned item"
}

SDK Examples

TypeScript

import { LanOnasisClient } from '@lanonasis/sdk';

const client = new LanOnasisClient({ apiKey: 'sk_live_xxx' });

// Initialize payment
const payment = await client.payments.initialize({
  amount: 250000,
  currency: 'NGN',
  email: 'customer@example.com',
  callback_url: 'https://yourapp.com/callback',
  metadata: { order_id: 'ORD-123' }
});

// Redirect customer
console.log(`Redirect to: ${payment.data.authorization_url}`);

// Later: verify payment
const verified = await client.payments.verify(payment.data.id);
if (verified.data.status === 'success') {
  // Fulfill order
}

Python

from lanonasis import LanOnasisClient

client = LanOnasisClient(api_key='sk_live_xxx')

# Initialize payment
payment = client.payments.initialize(
    amount=250000,
    currency='NGN',
    email='customer@example.com',
    callback_url='https://yourapp.com/callback'
)

# Verify later
verified = client.payments.verify(payment.data.id)
if verified.data.status == 'success':
    print('Payment successful!')

Webhooks

Subscribe to payment events:

• payment.initialized - Payment created
• payment.successful - Payment completed
• payment.failed - Payment failed
• payment.refunded - Payment refunded

See Webhooks for details.