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Collection API

Collection API

Accept mobile money and bank payments programmatically across Africa. One API to collect from customers in 30+ countries.

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Collect via Mobile Money

Initiate a mobile money collection. The customer receives a USSD push prompt to confirm payment.

POST /v1/collections
bash 
curl -X POST https://api.fyatu.com/v1/collections \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "CDF",
    "method": "mobile_money",
    "provider": "mpesa",
    "phone": "+243812345678",
    "reference": "order_12345"
  }'

Collect via Bank Transfer

Generate a virtual bank account for the customer to send a bank transfer to. Funds are reconciled automatically.

POST /v1/collections
bash 
curl -X POST https://api.fyatu.com/v1/collections \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 25000,
    "currency": "NGN",
    "method": "bank_transfer",
    "reference": "inv_98765"
  }'

Webhook Notification

Receive real-time notifications when a collection succeeds, fails, or expires.

Webhook Event: collection.successful
json 
// Webhook payload for successful collection
{
  "event": "collection.successful",
  "data": {
    "id": "col_abc123",
    "amount": 5000,
    "currency": "CDF",
    "status": "successful",
    "reference": "order_12345"
  }
}

API Endpoints

POST /v1/collections
GET /v1/collections
GET /v1/collections/:id
POST /v1/collections/:id/cancel
POST /v1/collections/:id/refund
GET /v1/collections/methods
POST /v1/payment-links

API capabilities

Comprehensive tools to accept payments across Africa.

Mobile Money Integration

Accept M-Pesa, Airtel Money, Orange Money, and MTN MoMo payments with a single API. USSD push and QR code support included.

Bank Transfer Collection

Generate virtual bank accounts for each customer or transaction. Receive bank transfers with automatic reconciliation.

Payment Links

Generate shareable payment links and hosted checkout pages. No frontend integration required to start collecting payments.

Multi-currency Support

Collect payments in 25+ African currencies. Automatic conversion and settlement in your preferred currency.

Idempotent Requests

Every collection request supports idempotency keys to prevent duplicate charges. Safe to retry without risk of double-billing.

Real-time Webhooks

Get notified instantly when payments succeed, fail, or expire. Webhooks include full transaction details for easy reconciliation.

Got questions?

Everything you need to know about getting started.

We support all major mobile money providers across Africa including M-Pesa (Kenya, DRC, Tanzania), Airtel Money, Orange Money, MTN MoMo, Tigo Pesa, and more. The available providers depend on the country.
Every webhook request includes a signature in the X-Fyatu-Signature header. Verify this signature using your webhook secret key to ensure the request is authentic and has not been tampered with.
Yes. You can use our Payment Links API to generate shareable URLs that redirect customers to a hosted checkout page. This is ideal for invoice payments, donations, and simple e-commerce setups.
Mobile money payments have a configurable timeout (default 5 minutes). If the customer does not confirm the USSD prompt in time, the collection is marked as expired and you receive a webhook notification. No charge is made.
The Collection API supports exact-amount matching by default. For use cases that require partial payments (like installment plans), you can enable partial payment mode on a per-collection basis.

Start collecting payments today

Integrate the Collection API and accept your first payment in minutes. Free sandbox access included.

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