Introduction

TchokoPay's Merchant API lets your backend create payments programmatically, redirect customers to a hosted checkout page, and get notified the moment a payment resolves — without building any payment UI or integrating mobile money yourself.

Quickstart

Create your first payment in under five minutes.

Authentication

How API keys work and how to keep them safe.

API Reference

Every endpoint, every field, every error.

Webhooks

Get notified instead of polling for status.

How it works

Create a payment

POST /v1/payments with an amount, a currency, and a description. You get back a checkoutUrl.

Redirect your customer

Send them to checkoutUrl. They pick MTN MoMo, Orange Money, card, or Bitcoin/Lightning (where available) and complete the payment on TchokoPay's own hosted page — you never touch payment details.

Get notified

Either poll GET /v1/payments/:reference, or register a webhook once and get a signed POST the moment the payment succeeds or fails.

What you get

Multi-currency pricing — price in any currency, settle net of fees in whatever your customer actually paid with. See Multi-currency.
Signed, replay-protected webhooks — HMAC-signed, timestamp-bound, automatically retried with backoff. See Webhooks.
Idempotent requests — retry any POST /v1/payments call safely with an Idempotency-Key. See Idempotency & retries.
Key-scoped access — generate, rotate, and revoke API keys yourself from your merchant dashboard. Revocation is immediate.

Base URL

https://connect.tchokopay.com

This is the only domain the Merchant API is reachable from — it exposes nothing beyond the routes documented here.

Rollout

Cameroon (MTN MoMo, Orange Money) at launch, with more countries opening over time. Check GET /v1/channels to see what's live for your account right now.