Bill payments

Use the Bills API for services such as airtime, data, television, and electricity where enabled for your business.

Engineering flowBuild, verify, then reconcile

Test this flow in sandbox →

1. 01Discover and validateFetch products and validate the recipient or meter first.
2. 02Confirm detailsShow service, amount, fee, and recipient to the user.
3. 03Submit onceCreate one payment using one unique, durable ref.
4. 04Reconcile fulfilmentConfirm final status before displaying a token or success.

Use a dashboard-issued sandbox API key on your server. Do not enter credentials into this documentation site.

Safe bill-payment flow

1. Fetch the provider/product catalogue.
2. Validate customer identifiers, meter numbers, or smart-card details when supported.
3. Show the product, amount, fee, and recipient details for confirmation.
4. Submit one write request with a unique ref.
5. Reconcile the final status before marking the bill as fulfilled or displaying a token/PIN.

Do not retry an uncertain bill payment with a new reference. Keep the original reference and reconcile first.

Prefer an SDK in Node.js or PHP?

Use the Node.js SDK guide or PHP SDK guide for bill-product discovery and vending. This guide remains the source for validation, fulfilment, and recovery behaviour.

See Bills API reference, Common errors, and Webhooks.