Introduction

Take payments from your customers with Payfet. Create a checkout from your server, show the page, get paid.

Getting started

Payfet lets you take payments from your customers on your own website. Your server creates a checkout, your customer pays by bank transfer, and we tell you when the money lands.

The shape of an integration

Your server asks Payfet for a checkout, passing the amount and your own order reference.
Payfet returns a checkout_url. You send your customer there, or open it in a modal on your page.
The page shows a bank account and an exact amount. Your customer transfers from their banking app.
Payfet confirms the transfer, credits your Payfet wallet, and calls your webhook.

Payment is by bank transfer, not card. There is no card form. Your customer is shown an account number and an exact amount, and pays from their own bank. The account is single-use, tied to that exact amount, and expires after about 15 minutes. Confirmation is not instant the way a card authorisation is — treat the webhook as the moment you have been paid.

Get your API credentials

From Payfet for Business → Settings → Token. Every server-side request sends all three:

http

X-Tenant-Token:  your access token
X-Tenant-Secret: your secret key
X-Tenant-BID:    your business id

These belong on your server only. Anyone holding them can create checkouts in your name, so never ship them to a browser or commit them to a repository.

Your first checkout

bash

curl -X POST https://api.payfet.org/v1/checkout/sessions/ \
  -H "Content-Type: application/json" \
  -H "X-Tenant-Token: $PAYFET_TOKEN" \
  -H "X-Tenant-Secret: $PAYFET_SECRET" \
  -H "X-Tenant-BID: $PAYFET_BID" \
  -d '{
    "reference": "order_12345",
    "amount": "2500.00",
    "currency": "NGN",
    "customer_email": "customer@example.com"
  }'

json

{
  "reference": "order_12345",
  "slug": "order-12345",
  "checkout_url": "https://checkout.payfet.org/order-12345",
  "amount": "2500.00",
  "currency": "NGN",
  "status": "pending"
}

Open that checkout_url and you have a working payment page.

Two things that cost people money

Amounts are in major units. "2500.00" means ₦2,500, not ₦25. Send the amount the way you would write it on a receipt.

Set the amount on your server. If the price comes from a form field, a query string, or JavaScript, your customer can change it before it reaches you. Read it from your own database when you create the checkout.

Where to go next

Accept payments on your site — the full integration, including the inline modal
Node.js SDK
Python SDK

No code at all?

Create a payment link in Payfet for Business under Payments → Links. You get a shareable checkout.payfet.org URL for WhatsApp, email or a bio — the same checkout page, no server required.