use CtechPay\CtechPay;

$ctechpay = CtechPay::client('YOUR_API_TOKEN_HERE');

$payment = $ctechpay->hostedPayments()->create([
    'amount' => 5000,
    'customer_reference' => 'LOANREFE123',
    'customer_message' => 'Loan repayment for March',
    'redirectUrl' => 'https://yoursite.com/payment-complete',
    'cancelUrl' => 'https://yoursite.com/payment-cancelled',
]);

return redirect($payment['data']['hosted_payment_url']);

import CtechPay from '@ctechpay/ctechpay-js';

const ctechpay = CtechPay.client(process.env.CTECHPAY_TOKEN);

const payment = await ctechpay.hostedPayments.create({
  amount: 5000,
  customer_reference: 'LOANREFE123',
  customer_message: 'Loan repayment for March',
  redirectUrl: 'https://yoursite.com/payment-complete',
  cancelUrl: 'https://yoursite.com/payment-cancelled',
});

console.log(payment.data.hosted_payment_url);

from ctechpay import CtechPay

ctechpay = CtechPay.client("YOUR_API_TOKEN_HERE")

payment = ctechpay.hosted_payments.create({
    "amount": 5000,
    "customer_reference": "LOANREFE123",
    "customer_message": "Loan repayment for March",
    "redirectUrl": "https://yoursite.com/payment-complete",
    "cancelUrl": "https://yoursite.com/payment-cancelled",
})

print(payment["data"]["hosted_payment_url"])

import 'package:ctechpay/ctechpay.dart';
import 'package:flutter/material.dart';

final ctechpay = CtechPayClient(
  token: 'YOUR_API_TOKEN_HERE',
);

Navigator.of(context).push(
  MaterialPageRoute(
    builder: (_) => CtechPayCheckoutPage(
      client: ctechpay,
      amount: 5000,
      customerReference: 'LOANREFE123',
      customerMessage: 'Loan repayment for March',
      onCompleted: (result) {
        print('Airtel payment completed: ${result.transactionId}');
      },
      onCardCompleted: (result) {
        print('Card payment completed: ${result.orderReference}');
      },
      onFailed: (error) {
        print('Payment failed: $error');
      },
      onCancelled: () {
        print('Payment cancelled');
      },
    ),
  ),
);

final result = await ctechpay.airtel.payAndPoll(
  amount: 5000,
  phone: '0999123456',
  customerReference: 'LOANREFE123',
  customerMessage: 'Loan repayment for March',
  onPoll: (status) {
    print('Latest Airtel status: $status');
  },
);

if (result.isCompleted) {
  print('Paid: ${result.transactionId}');
}

final checkout = await ctechpay.cards.createPaymentPage(
  amount: 5000,
  customerReference: 'LOANREFE123',
  customerMessage: 'Loan repayment for March',
);

print(checkout.paymentPageUrl);

final finalResult = await ctechpay.cards.pollHostedStatus(
  orderReference: checkout.orderReference,
);

print(finalResult.status);

Download:
https://github.com/Laughwellreformed/ctechpay-payments-for-woocommerce/releases/download/v0.1.2/ctechpay-payments-for-woocommerce-v0.1.2.zip

Install:
1. Log in to WordPress Admin
2. Go to Plugins > Add New > Upload Plugin
3. Upload the downloaded ZIP file
4. Activate CtechPay for WooCommerce
5. Go to WooCommerce > Settings > Payments > CtechPay
6. Enable the payment method and enter your CtechPay service token

curl -X POST "https://new-api.ctechpay.com/api/v1/hosted/payment" \
  -H "Content-Type: application/json" \
  -d '{
    "token": "YOUR_API_TOKEN_HERE",
    "amount": 5000,
    "category_flag": "LOAN_PAYMENT",
    "customer_reference": "LOANREFE123",
    "customer_message": "Loan repayment for March",
    "redirectUrl": "https://yoursite.com/payment-complete",
    "cancelUrl": "https://yoursite.com/payment-cancelled"
  }'

// Response
{
  "status": "success",
  "message": "Hosted payment page created successfully.",
  "data": {
    "reference": "HPABC123...",
    "amount": 5000,
    "currency": "MWK",
    "status": "pending",
    "hosted_payment_token": "TOKEN123...",
    "hosted_payment_url": "https://new-api.ctechpay.com/hosted/payment/TOKEN123...",
    "redirect_url": "https://yoursite.com/payment-complete",
    "cancel_url": "https://yoursite.com/payment-cancelled",
    "expires_at": "2026-07-12T10:00:00.000000Z"
  }
}

curl -X POST "https://new-api.ctechpay.com/api/v1/hosted/status" \
  -H "Content-Type: application/json" \
  -d '{
    "token": "YOUR_API_TOKEN_HERE",
    "reference": "HPPCRBPXRKS9G6F7"
  }'

// Response
{
  "status": "paid",
  "selected_method": "airtel",
  "reference": "HPPCRBPXRKS9G6F7",
  "hosted_reference": "HPPCRBPXRKS9G6F7",
  "transaction_reference": "ID26032322250002efCTPAY",
  "amount": 5000,
  "currency": "MWK",
  "trans_id": "ID26032322250002efCTPAY",
  "card_order_reference": null,
  "a_trans_status": "TS"
}

https://yoursite.com/payment-complete?reference=TRANSACTION_OR_ORDER_REFERENCE

curl -X POST "https://new-api.ctechpay.com/api/v1/airtel/payment" \
  -H "Content-Type: application/json" \
  -d '{
    "token": "YOUR_API_TOKEN_HERE",
    "amount": 5000,
    "phone": "0999123456",
    "category_flag": "LOAN_PAYMENT",
    "customer_reference": "LOANREFE123",
    "customer_message": "Loan repayment for March",
  }'

$client = new \GuzzleHttp\Client();

$response = $client->post('https://new-api.ctechpay.com/api/v1/airtel/payment', [
  'json' => [
    'token' => 'YOUR_API_TOKEN_HERE',
    'amount' => 5000,
    'phone' => '0999123456',
    'category_flag' => 'LOAN_PAYMENT',
    'customer_reference' => 'LOANREFE123',
    'customer_message' => 'Loan repayment for March',

  ],
]);

$body = $response->getBody()->getContents();

$payload = [
  'token' => 'YOUR_API_TOKEN_HERE',
  'amount' => 5000,
  'phone' => '0999123456',
  'category_flag' => 'LOAN_PAYMENT',
  'customer_reference' => 'LOANREFE123',
  'customer_message' => 'Loan repayment for March',

];

$ch = curl_init('https://new-api.ctechpay.com/api/v1/airtel/payment');
curl_setopt_array($ch, [
  CURLOPT_POST => true,
  CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
  CURLOPT_POSTFIELDS => json_encode($payload),
  CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

import requests

url = "https://new-api.ctechpay.com/api/v1/airtel/payment"
payload = {
    "token": "YOUR_API_TOKEN_HERE",
    "amount": 5000,
    "phone": "0999123456",
    "category_flag": "LOAN_PAYMENT",
    "customer_reference": "LOANREFE123",
    "customer_message": "Loan repayment for March",
}

r = requests.post(url, json=payload, timeout=30)
print(r.status_code)
print(r.json())

const axios = require('axios');

async function initiateMobilePayment() {
  const url = 'https://new-api.ctechpay.com/api/v1/airtel/payment';
  const payload = {
    token: 'YOUR_API_TOKEN_HERE',
    amount: 5000,
    phone: '0999123456',
    category_flag: 'LOAN_PAYMENT'
    customer_reference: 'LOANREFE123',
    customer_message: 'Loan repayment for March',
  };

  const { data } = await axios.post(url, payload, {
    headers: { 'Content-Type': 'application/json' },
    timeout: 30000
  });

  console.log(data);
}

initiateMobilePayment().catch(console.error);

// Sample Response
{
  "status": "success",
  "message": "Payment initiated successfully.",
  "data": {
    "data": {
      "transaction": {
        "id": "ID26032322250002efCTPAY",
        "status": "Success."
      }
    },
    "status": {
      "response_code": "DP00800001006",
      "code": "200",
      "success": true,
      "result_code": "ESB000010",
      "message": "SUCCESS"
    }
  }
  "customer_reference": "LOANREFE123",
  "customer_message": "Loan repayment for March",
}

curl -X POST "https://new-api.ctechpay.com/api/v1/airtel/status" \
  -H "Content-Type: application/json" \
  -d '{
    "trans_id": "ID26032322250002efCTPAY"
  }'

$client = new \GuzzleHttp\Client();

$response = $client->post('https://new-api.ctechpay.com/api/v1/airtel/status', [
  'json' => [
    'trans_id' => 'ID26032322250002efCTPAY',
  ],
]);

$body = $response->getBody()->getContents();

$payload = [
  'trans_id' => 'ID26032322250002efCTPAY',
];

$ch = curl_init('https://new-api.ctechpay.com/api/v1/airtel/status');
curl_setopt_array($ch, [
  CURLOPT_POST => true,
  CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
  CURLOPT_POSTFIELDS => json_encode($payload),
  CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

import requests

url = "https://new-api.ctechpay.com/api/v1/airtel/status"
payload = {"trans_id": "ID26032322250002efCTPAY"}

r = requests.post(url, json=payload, timeout=30)
print(r.status_code)
print(r.json())

const axios = require('axios');

async function checkMobileStatus() {
  const url = 'https://new-api.ctechpay.com/api/v1/airtel/status';
  const payload = { trans_id: 'ID26032322250002efCTPAY' };

  const { data } = await axios.post(url, payload, {
    headers: { 'Content-Type': 'application/json' },
    timeout: 30000
  });

  console.log(data);
}

checkMobileStatus().catch(console.error);

// Sample Response
{
  "response_code": "DP00800001001",
  "result_code": "ESB000010",
  "transaction_status": "TS",
  "airtel_money_id": "MP260119.0848.B17208",
  "message": "Your transaction has been successfully processed"
}

{
  "status": "error",
  "message": "Invalid phone number format",
  "errors": {
    "phone": [
      "The phone field must be a valid Malawian phone number"
    ]
  }
}

$response = $client->post('https://new-api.ctechpay.com/api/v1/airtel/transaction/details', [
    'json' => [
        'transaction_id' => 'ID2601190847549183CTPAY'
    ]
]);

$details = json_decode($response->getBody(), true);

curl -X POST "https://new-api.ctechpay.com/api/v1/airtel/transaction/details" \
  -H "Content-Type: application/json" \
  -d '{
    "transaction_id": "ID2601190847549183CTPAY"
  }'

$payload = [
    'transaction_id' => 'ID2601190847549183CTPAY'
];

$ch = curl_init('https://new-api.ctechpay.com/api/v1/airtel/transaction/details');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
    CURLOPT_POSTFIELDS => json_encode($payload),
    CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

$details = json_decode($response, true);

import requests

url = "https://new-api.ctechpay.com/api/v1/airtel/transaction/details"
payload = {"transaction_id": "ID2601190847549183CTPAY"}

r = requests.post(url, json=payload, timeout=30)
print(r.status_code)
print(r.json())

const axios = require('axios');

async function fetchTransactionDetails() {
  const url = 'https://new-api.ctechpay.com/api/v1/airtel/transaction/details';
  const payload = { transaction_id: 'ID2601190847549183CTPAY' };

  const { data } = await axios.post(url, payload, {
    headers: { 'Content-Type': 'application/json' },
    timeout: 30000
  });

  console.log(data);
}

fetchTransactionDetails().catch(console.error);

// Sample Response
{
  "status": "success",
  "trans_id": "ID2601190847549183CTPAY",
  "airtel_money_id": "MP260119.0848.B17208",
  "transaction_status": "completed",
  "phone_number": "998757521",
  "result_code": "ESB000010",
  "response_code": "DP00800001001",
  "a_trans_status": "TS",
  "message": "Your transaction has been successfully processed"
}

curl -X POST "https://new-api.ctechpay.com/api/v1/orders" \
  -H "Content-Type: application/json" \
  -d '{
    "token": "YOUR_API_TOKEN_HERE",
    "amount": 10000,
    "category_flag": "SUBSCRIPTION",
    "customer_reference": "ORDER123",
    "customer_message": "Subscription payment for user 123",
    "merchantAttributes": true,
    "redirectUrl": "https://yoursite.com/payment/success",
    "cancelUrl": "https://yoursite.com/payment/cancel",
    "cancelText": "Go Back",
    "skipConfirmationPage": false
  }'

$client = new \GuzzleHttp\Client();

$response = $client->post('https://new-api.ctechpay.com/api/v1/orders', [
    'json' => [
        'token' => env('CTECHPAY_API_TOKEN'),
        'amount' => 10000,
        'category_flag' => 'SUBSCRIPTION',
        'customer_reference' => 'ORDER123',
        'customer_message' => 'Subscription payment for user 123',
        'merchantAttributes' => true,
        'redirectUrl' => 'https://yoursite.com/payment/success',
        'cancelUrl' => 'https://yoursite.com/payment/cancel',
        'cancelText' => 'Go Back',
        'skipConfirmationPage' => false,
    ]
]);

$result = json_decode($response->getBody(), true);

header('Location: ' . $result['payment_page_URL']);
exit();

$payload = [
  'token' => 'YOUR_API_TOKEN_HERE',
  'amount' => 10000,
  'category_flag' => 'SUBSCRIPTION',
  'customer_reference' => 'ORDER123',
  'customer_message' => 'Subscription payment for user 123',
  'merchantAttributes' => true,
  'redirectUrl' => 'https://yoursite.com/payment/success',
  'cancelUrl' => 'https://yoursite.com/payment/cancel',
  'cancelText' => 'Go Back',
  'skipConfirmationPage' => false,
];

$ch = curl_init('https://new-api.ctechpay.com/api/v1/orders');
curl_setopt_array($ch, [
  CURLOPT_POST => true,
  CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
  CURLOPT_POSTFIELDS => json_encode($payload),
  CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

$result = json_decode($response, true);
header('Location: ' . $result['payment_page_URL']);
exit();

import requests

url = "https://new-api.ctechpay.com/api/v1/orders"
payload = {
    "token": "YOUR_API_TOKEN_HERE",
    "amount": 10000,
    "category_flag": "SUBSCRIPTION",
    "customer_reference": "ORDER123",
    "customer_message": "Subscription payment for user 123",
    "merchantAttributes": True,
    "redirectUrl": "https://yoursite.com/payment/success",
    "cancelUrl": "https://yoursite.com/payment/cancel",
    "cancelText": "Go Back",
    "skipConfirmationPage": False,
}

r = requests.post(url, json=payload, timeout=30)
result = r.json()
print(result["payment_page_URL"])

const axios = require('axios');

async function createCardOrder() {
  const url = 'https://new-api.ctechpay.com/api/v1/orders';
  const payload = {
    token: 'YOUR_API_TOKEN_HERE',
    amount: 10000,
    category_flag: 'SUBSCRIPTION',
    customer_reference: 'ORDER123',
    customer_message: 'Subscription payment for user 123',
    merchantAttributes: true,
    redirectUrl: 'https://yoursite.com/payment/success',
    cancelUrl: 'https://yoursite.com/payment/cancel',
    cancelText: 'Go Back',
    skipConfirmationPage: false
  };

  const { data } = await axios.post(url, payload, {
    headers: { 'Content-Type': 'application/json' },
    timeout: 30000
  });

  console.log(data.payment_page_URL);
}

createCardOrder().catch(console.error);

// Success Response
{
  "order_reference": "ORD123456789",
  "payment_page_URL": "https://payment.gateway.com/pay/xyz123...",
  "customer_reference": "ORDER123",
  "customer_message": "Subscription payment for user 123"
}

$response = $client->get('https://new-api.ctechpay.com/api/v1/orders/status', [
    'query' => [
        'orderRef' => 'ORD123456789',
        'token'    => env('CTECHPAY_API_TOKEN')
    ]
]);

$status = json_decode($response->getBody(), true);

curl -G "https://new-api.ctechpay.com/api/v1/orders/status" \
  --data-urlencode "orderRef=ORD123456789" \
  --data-urlencode "token=YOUR_API_TOKEN_HERE"

$url = 'https://new-api.ctechpay.com/api/v1/orders/status?' . http_build_query([
    'orderRef' => 'ORD123456789',
    'token' => 'YOUR_API_TOKEN_HERE',
]);

$ch = curl_init($url);
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

$status = json_decode($response, true);

import requests

url = "https://new-api.ctechpay.com/api/v1/orders/status"
params = {
    "orderRef": "ORD123456789",
    "token": "YOUR_API_TOKEN_HERE",
}

r = requests.get(url, params=params, timeout=30)
print(r.status_code)
print(r.json())

const axios = require('axios');

async function checkCardStatus() {
  const url = 'https://new-api.ctechpay.com/api/v1/orders/status';

  const { data } = await axios.get(url, {
    params: {
      orderRef: 'ORD123456789',
      token: 'YOUR_API_TOKEN_HERE'
    },
    timeout: 30000
  });

  console.log(data);
}

checkCardStatus().catch(console.error);

// Success Response
{
  "_id": "ORD123456789",
  "orderReference": "REF456789",
  "status": "COMPLETED",
  "currencyCode": "MWK",
  "amount": 10000,
  "formattedAmount": "MWK 10000",
  "cardHolderName": "John Doe"
}

$orderId  = "32aa1523-c105-472b-b0c5-fac0fcf6b6e2";
$response = $client->get("https://new-api.ctechpay.com/api/v1/orders/details/{$orderId}");
$order    = json_decode($response->getBody(), true);

const orderId  = '32aa1523-c105-472b-b0c5-fac0fcf6b6e2';
const response = await fetch(`https://new-api.ctechpay.com/api/v1/orders/details/${orderId}`);
const order    = await response.json();
console.log(order);

curl "https://new-api.ctechpay.com/api/v1/orders/details/32aa1523-c105-472b-b0c5-fac0fcf6b6e2"

$orderId = '32aa1523-c105-472b-b0c5-fac0fcf6b6e2';
$ch = curl_init("https://new-api.ctechpay.com/api/v1/orders/details/{$orderId}");
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
]);

$response = curl_exec($ch);
curl_close($ch);

$order = json_decode($response, true);

import requests

order_id = "32aa1523-c105-472b-b0c5-fac0fcf6b6e2"
url = f"https://new-api.ctechpay.com/api/v1/orders/details/{order_id}"

r = requests.get(url, timeout=30)
print(r.status_code)
print(r.json())

const axios = require('axios');

async function getOrderDetails() {
  const orderId = '32aa1523-c105-472b-b0c5-fac0fcf6b6e2';
  const url = `https://new-api.ctechpay.com/api/v1/orders/details/${orderId}`;

  const { data } = await axios.get(url, { timeout: 30000 });
  console.log(data);
}

getOrderDetails().catch(console.error);

// Success Response
{
  "order_id": "32aa1523-c105-472b-b0c5-fac0fcf6b6e2",
  "reference": null,
  "currencyCode": "MWK",
  "amount": 150000,
  "category_flag": null,
  "batch_id": null,
  "formattedAmount": "MWK 150000",
  "status": "PURCHASED",
  "card_holder": "Tausifbeg Mirza"
}

{
  "status": "error",
  "message": "Invalid phone number format",
  "errors": {
    "phone": [
      "The phone field must be a valid Malawian phone number"
    ]
  }
}

{
  "info": {
    "name": "CtechPay API",
    "description": "Complete CtechPay API collection for mobile money and card payments",
    "schema": "https://schema.getpostman.com/json/collection/v2.1.0/collection.json"
  },
  "variable": [
    {"key": "base_url", "value": "https://new-api.ctechpay.com", "type": "string"},
    {"key": "api_token", "value": "YOUR_API_TOKEN_HERE", "type": "string"}
  ],
  "item": [
    {
      "name": "Mobile Money Payments",
      "item": [
        {
          "name": "Initiate Mobile Payment",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"token\": \"{{api_token}}\",\n  \"amount\": 5000,\n  \"phone\": \"0999123456\",\n  \"category_flag\": \"LOAN_PAYMENT\"\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/airtel/payment",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "airtel", "payment"]
            },
            "description": "Initiate a mobile money payment from an Airtel Money customer."
          }
        },
        {
          "name": "Check Payment Status",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"trans_id\": \"ID2601190847549183CTPAY\"\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/airtel/status",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "airtel", "status"]
            },
            "description": "Check the status of a mobile money payment."
          }
        },
        {
          "name": "Get Transaction Details",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"transaction_id\": \"ID2601190847549183CTPAY\"\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/airtel/transaction/details",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "airtel", "transaction", "details"]
            },
            "description": "Get full mobile transaction details by transaction_id."
          }
        }
      ]
    },
    {
      "name": "Card Payments",
      "item": [
        {
          "name": "Create Payment Order",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"token\": \"{{api_token}}\",\n  \"amount\": 10000,\n  \"category_flag\": \"SUBSCRIPTION\",\n  \"merchantAttributes\": true,\n  \"redirectUrl\": \"https://yoursite.com/payment/success\",\n  \"cancelUrl\": \"https://yoursite.com/payment/cancel\",\n  \"cancelText\": \"Go Back\",\n  \"skipConfirmationPage\": false\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/orders",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "orders"]
            },
            "description": "Create a card payment order and receive payment_page_URL for redirect."
          }
        },
        {
          "name": "Check Card Order Status",
          "request": {
            "method": "GET",
            "url": {
              "raw": "{{base_url}}/api/v1/ordersstatus?orderRef=ORD123456789&token={{api_token}}",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "orders", "status"],
              "query": [
                {"key": "orderRef", "value": "ORD123456789"},
                {"key": "token", "value": "{{api_token}}"}
              ]
            },
            "description": "Quickly confirm whether card payment is completed."
          }
        },
        {
          "name": "Get Order Details",
          "request": {
            "method": "GET",
            "url": {
              "raw": "{{base_url}}/api/v1/ordersdetails/32aa1523-c105-472b-b0c5-fac0fcf6b6e2",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "orders", "details", "32aa1523-c105-472b-b0c5-fac0fcf6b6e2"]
            },
            "description": "Retrieve full order details including category_flag, batch_id, and formattedAmount."
          }
        }
      ]
    },
    {
      "name": "Examples with Categories",
      "item": [
        {
          "name": "Loan Application Fee",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"token\": \"{{api_token}}\",\n  \"amount\": 2500,\n  \"phone\": \"0999123456\",\n  \"category_flag\": \"LOAN_APPLICATION_FEES\"\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/airtel/payment",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "airtel", "payment"]
            }
          }
        },
        {
          "name": "Loan Recovery",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"token\": \"{{api_token}}\",\n  \"amount\": 15000,\n  \"phone\": \"0888234567\",\n  \"category_flag\": \"LOAN_RECOVERY\"\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/airtel/payment",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "airtel", "payment"]
            }
          }
        },
        {
          "name": "Product Purchase (Card)",
          "request": {
            "method": "POST",
            "header": [
              {"key": "Content-Type", "value": "application/json"}
            ],
            "body": {
              "mode": "raw",
              "raw": "{\n  \"token\": \"{{api_token}}\",\n  \"amount\": 8500,\n  \"category_flag\": \"PRODUCT_PURCHASE\",\n  \"merchantAttributes\": true,\n  \"redirectUrl\": \"https://yourstore.com/order/success\",\n  \"cancelUrl\": \"https://yourstore.com/cart\",\n  \"cancelText\": \"Go Back\",\n  \"skipConfirmationPage\": false\n}"
            },
            "url": {
              "raw": "{{base_url}}/api/v1/orders",
              "host": ["{{base_url}}"],
              "path": ["api", "v1", "orders"]
            }
          }
        }
      ]
    }
  ]
}

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/auth/login" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "email": "merchant@example.com",
    "password": "your_password"
  }'

fetch('https://new-api.ctechpay.com/api/merchant/v1/auth/login', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'Accept': 'application/json'
  },
  body: JSON.stringify({
    email: 'merchant@example.com',
    password: 'your_password'
  })
})
.then(response => response.json())
.then(data => {
  const token = data.data.token;
  // Store token securely for subsequent requests
  console.log('Bearer Token:', token);
})
.catch(error => console.error('Error:', error));

use Illuminate\Support\Facades\Http;

$response = Http::post('https://new-api.ctechpay.com/api/merchant/v1/auth/login', [
    'email' => 'merchant@example.com',
    'password' => 'your_password'
]);

$token = $response->json()['data']['token'];
// Store token in session or secure storage

import requests

data = {
    'email': 'merchant@example.com',
    'password': 'your_password'
}

response = requests.post(
    'https://new-api.ctechpay.com/api/merchant/v1/auth/login',
    json=data,
    headers={'Accept': 'application/json'}
)

token = response.json()['data']['token']
# Store token for subsequent requests

{
  "success": true,
  "message": "Login successful.",
  "data": {
    "token": "1|abc123def456xyz789...",
    "user": {
      "username": "merchant_user",
      "firstname": "John",
      "lastname": "Doe",
      "email": "merchant@example.com",
      "company_name": "Doe Enterprises Ltd",
      "phone_number": "0888123456",
      "avatar_url": "https://new-api.ctechpay.com/storage/avatars/avatar.png",
      "initials": "JD",
      "masked_id": "CTECH-MERCHANT-A1B2C3D4"
    }
  }
}

{
  "success": false,
  "message": "Invalid credentials."
}

{
  "success": false,
  "message": "Access denied. Only merchants can use this app."
}

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/auth/change-password" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "current_password": "oldpassword123",
    "new_password": "newpassword456",
    "new_password_confirmation": "newpassword456"
  }'

curl -X GET "https://new-api.ctechpay.com/api/v1/account" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

fetch('https://new-api.ctechpay.com/api/v1/account', {
  method: 'GET',
  headers: {
    'Authorization': 'Bearer YOUR_TOKEN',
    'Accept': 'application/json'
  }
})
.then(response => response.json())
.then(data => console.log(data))
.catch(error => console.error('Error:', error));

use Illuminate\Support\Facades\Http;

$response = Http::withToken('YOUR_TOKEN')
    ->get('https://new-api.ctechpay.com/api/v1/account');

$accountInfo = $response->json();

import requests

headers = {
    'Authorization': 'Bearer YOUR_TOKEN',
    'Accept': 'application/json'
}

response = requests.get(
    'https://new-api.ctechpay.com/api/v1/account',
    headers=headers
)

account_info = response.json()

{
  "status": "success",
  "message": "Account information retrieved successfully",
  "data": {
    "account_info": {
      "first_name": "John",
      "last_name": "Doe",
      "phone_number": "0888123456",
      "email": "john@example.com",
      "username": "johndoe",
      "status": "ACTIVE"
    },
    "organization": {
      "company_name": "Doe Enterprises Ltd",
      "company_email": "info@doeenterprises.com",
      "company_address": "123 Business St, Lilongwe",
      "primary_phone": "0888123456",
      "company_contacts": "0999654321"
    },
    "service_charge": {
      "charge_percentage": 3.5,
      "is_exempted": true,
      "exemption_details": {
        "fixed_amount_per_transaction": 500.00,
        "exemption_note": "Flat fixed amount applies per transaction across all categories"
      },
      "exempted_categories": [
        {
          "name": "Loan Application Fees",
          "flag": "LOAN_APPLICATION_FEES",
          "fixed_amount": 200.00,
          "is_default": true
        },
        {
          "name": "Appeal Fees",
          "flag": "APPEAL_FEES",
          "fixed_amount": 150.00,
          "is_default": false
        }
      ]
    },
    "application": {
      "app_name": "Loan Management System",
      "app_type": "web",
      "app_url": "https://loans.example.com",
      "app_description": "System for managing loan applications",
      "app_logo": "https://yoursite.com/storage/logos/app_logo.png",
      "callback_url": "https://loans.example.com/callback",
      "app_status": "approved",
      "application_key": "app_abc123def456...",
      "approved_at": "2026-03-15 10:30:00"
    }
  }
}

{
  "status": "success",
  "message": "Account information retrieved successfully",
  "data": {
    "account_info": {...},
    "organization": {...},
    "service_charge": {
      "charge_percentage": 5.0,
      "is_exempted": false,
      "percentage_categories": [
        {
          "name": "General Payments",
          "flag": "GENERAL_PAYMENTS",
          "charge_percentage": 5.0,
          "is_default": true
        }
      ]
    },
    "application": null
  }
}

{
  "message": "Unauthenticated."
}

{timestamp}.{raw_request_body}

{
                    "event": "payment_initiated",
                    "payment_method": "airtel_money",
                    "transaction_id": "ID260921091234abcdCTPAY",
                    "reference": "ID260921091234abcdCTPAY",
                    "amount": 1000,
                    "phone_number": "0999123456",
                    "category_flag": "LOAN_APPLICATION_FEES",
                    "old_status": null,
                    "new_status": "started",
                    "status": "started",
                    "response_code": "DP00800001006",
                    "result_code": "ESB000010",
                    "customer_reference": "LOAN-10001",
                    "customer_message": "Loan application fee",
                    "timestamp": "2026-09-21T09:09:43.846573Z",
                    "user_id": 10,
                    "application_key": "app_abc123def456...",
                    "webhook_event_id": "f1304617-6f77-4379-a12a-5f553885296d",
                    "webhook_event_type": "payment_initiated"
                    }

{
  "event": "payment_status_updated",
  "payment_method": "airtel_money",
  "transaction_id": "ID260921091234abcdCTPAY",
  "reference": "ID260921091234abcdCTPAY",
  "amount": 1000,
  "phone_number": "0999123456",
  "old_status": "started",
  "new_status": "completed",
  "status": "completed",
  "airtel_money_id": "AM123456789",
  "response_code": "DP00800001000",
  "result_code": "ESB000010",
  "message": "Transaction successful",
  "a_trans_status": "TS",
  "customer_reference": "LOAN-10001",
  "customer_message": "Loan application fee",
  "timestamp": "2026-09-21T09:11:15.123456Z",
  "user_id": 10,
  "application_key": "app_abc123def456...",
  "webhook_event_id": "ae8c78f1-2b13-4034-b9bf-735f5ed0196d",
  "webhook_event_type": "payment_status_updated"
}

{
  "event": "payment_status_updated",
  "payment_method": "card",
  "order_reference": "ORDER-260921-001",
  "payment_reference": "PAY-REF-123",
  "reference": "ORDER-260921-001",
  "amount": 5000,
  "category_flag": "GENERAL_PAYMENTS",
  "old_status": "STARTED",
  "new_status": "PURCHASED",
  "status": "PURCHASED",
  "gateway_state": "PURCHASED",
  "card_holder": "JOHN DOE",
  "customer_reference": "INV-10001",
  "customer_message": "Invoice payment",
  "timestamp": "2026-09-21T09:11:15.123456Z",
  "user_id": 10,
  "application_key": "app_abc123def456...",
  "webhook_event_id": "4bff9c18-973a-4a99-a042-b2cf783f6b7d",
  "webhook_event_type": "payment_status_updated"
}

{
  "event": "webhook.test",
  "message": "This is a test webhook from CtechPay.",
  "timestamp": "2026-09-21T09:09:43.846573Z",
  "application_key": "app_abc123def456...",
  "webhook_event_id": "f1304617-6f77-4379-a12a-5f553885296d",
  "webhook_event_type": "webhook.test"
}

<?php
// index.php

header('Content-Type: application/json');

$secret = 'PASTE_YOUR_APPLICATION_KEY_HERE';

$rawBody = file_get_contents('php://input');
$payload = json_decode($rawBody, true);

if (!is_array($payload)) {
    http_response_code(400);

    file_put_contents(
        __DIR__ . '/webhook.log',
        date('c') . " INVALID JSON\n" . $rawBody . "\n\n",
        FILE_APPEND
    );

    echo json_encode([
        'status' => 'error',
        'message' => 'Invalid JSON',
    ]);
    exit;
}

$signatureHeader = $_SERVER['HTTP_CTECHPAY_SIGNATURE'] ?? '';
$timestampHeader = $_SERVER['HTTP_CTECHPAY_TIMESTAMP'] ?? '';
$eventHeader = $_SERVER['HTTP_CTECHPAY_EVENT'] ?? '';
$deliveryHeader = $_SERVER['HTTP_CTECHPAY_DELIVERY'] ?? '';

preg_match('/t=(\d+),v1=([a-f0-9]+)/', $signatureHeader, $matches);

$timestamp = $matches[1] ?? $timestampHeader;
$receivedSignature = $matches[2] ?? null;
$expectedSignature = hash_hmac('sha256', $timestamp . '.' . $rawBody, $secret);

if (!$receivedSignature || !hash_equals($expectedSignature, $receivedSignature)) {
    http_response_code(401);

    file_put_contents(
        __DIR__ . '/webhook.log',
        date('c') . " INVALID SIGNATURE\n" . $rawBody . "\n\n",
        FILE_APPEND
    );

    echo json_encode([
        'status' => 'error',
        'message' => 'Invalid signature',
    ]);
    exit;
}

file_put_contents(
    __DIR__ . '/webhook.log',
    date('c') . " WEBHOOK RECEIVED\n" .
    "Event: " . $eventHeader . "\n" .
    "Delivery: " . $deliveryHeader . "\n" .
    "Payload: " . json_encode($payload, JSON_PRETTY_PRINT) . "\n\n",
    FILE_APPEND
);

switch ($payload['event'] ?? '') {
    case 'payment_initiated':
        // Mark the payment as started in your system.
        break;

    case 'payment_status_updated':
        if (($payload['new_status'] ?? $payload['status'] ?? null) === 'completed') {
            // Mark Airtel Money payment as paid.
        }

        if (($payload['new_status'] ?? $payload['status'] ?? null) === 'PURCHASED') {
            // Mark card payment as paid.
        }

        if (in_array(($payload['new_status'] ?? $payload['status'] ?? null), ['failed', 'FAILED'], true)) {
            // Mark payment as failed.
        }
        break;

    case 'webhook.test':
        // Test webhook received successfully.
        break;
}

http_response_code(200);

echo json_encode([
    'status' => 'received',
    'event' => $payload['event'] ?? null,
    'delivery' => $deliveryHeader,
]);

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions?page=1&per_page=20&from=2026-06-01&to=2026-06-30" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

$response = $client->get('https://new-api.ctechpay.com/api/merchant/v1/transactions', [
  'headers' => ['Authorization' => 'Bearer ' . $token, 'Accept' => 'application/json'],
  'query'   => ['page' => 1, 'per_page' => 20, 'from' => '2026-06-01', 'to' => '2026-06-30'],
]);
$data = json_decode($response->getBody(), true);

import requests

headers = {'Authorization': 'Bearer YOUR_TOKEN', 'Accept': 'application/json'}
r = requests.get('https://new-api.ctechpay.com/api/merchant/v1/transactions',
                 headers=headers, params={'page': 1, 'per_page': 20})
print(r.json())

const { data } = await axios.get(
  'https://new-api.ctechpay.com/api/merchant/v1/transactions',
  { headers: { Authorization: 'Bearer YOUR_TOKEN' }, params: { page: 1, per_page: 20 } }
);
console.log(data);

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/summary" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "total_transactions": 254,
    "total_amount": 3850000,
    "successful": 238,
    "failed": 10,
    "pending": 6,
    "bank_total": 1950000,
    "mobile_total": 1900000
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/bank?page=1&status=PURCHASED&from=2026-06-01" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/mobile?page=1&category=LOAN_PAYMENT" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/bank/32aa1523-c105-472b-b0c5-fac0fcf6b6e2" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "id": "32aa1523-c105-472b-b0c5-fac0fcf6b6e2",
    "order_reference": "ORD123456789",
    "amount": 10000,
    "currency": "MWK",
    "status": "PURCHASED",
    "card_holder": "John Doe",
    "category_flag": "SUBSCRIPTION",
    "created_at": "2026-06-01 10:30:00"
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/mobile/ID26032322250002efCTPAY" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "id": "ID26032322250002efCTPAY",
    "phone_number": "0999123456",
    "amount": 5000,
    "status": "completed",
    "airtel_money_id": "MP260119.0848.B17208",
    "category_flag": "LOAN_PAYMENT",
    "customer_reference": "LOANREFE123",
    "created_at": "2026-06-01 09:15:00"
  }
}

# Bank receipt
curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/bank/32aa1523-c105-472b-b0c5-fac0fcf6b6e2/receipt" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  --output receipt.pdf

# Mobile receipt
curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/transactions/mobile/ID26032322250002efCTPAY/receipt" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  --output receipt.pdf

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/banks/available" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": [
    { "id": 1, "name": "National Bank of Malawi", "code": "NBM" },
    { "id": 2, "name": "Standard Bank Malawi", "code": "STD" },
    { "id": 3, "name": "First Capital Bank", "code": "FCB" },
    { "id": 4, "name": "NBS Bank", "code": "NBS" }
  ]
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/bank-accounts" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": [
    {
      "id": 1,
      "bank_id": 1,
      "bank_name": "National Bank of Malawi",
      "bank_logo": "https://new-api.ctechpay.com/storage/banks/nbm.png",
      "account_name": "Doe Enterprises Ltd",
      "account_number": "1234567890",
      "branch": "Lilongwe City Branch",
      "phone_number": "0888123456",
      "email": "finance@doeenterprises.com",
      "created_at": "2026-05-01T10:00:00+00:00"
    }
  ]
}

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/bank-accounts" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "bank_id": 1,
    "account_name": "Doe Enterprises Ltd",
    "account_number": "1234567890",
    "branch": "Lilongwe City Branch",
    "phone_number": "0888123456",
    "email": "finance@doeenterprises.com"
  }'

$response = $client->post('https://new-api.ctechpay.com/api/merchant/v1/bank-accounts', [
  'headers' => ['Authorization' => 'Bearer ' . $token],
  'json' => [
    'bank_id'        => 1,
    'account_name'   => 'Doe Enterprises Ltd',
    'account_number' => '1234567890',
    'branch'         => 'Lilongwe City Branch',
    'phone_number'   => '0888123456',
    'email'          => 'finance@doeenterprises.com',
  ],
]);

curl -X PUT "https://new-api.ctechpay.com/api/merchant/v1/bank-accounts/1" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"branch": "Area 18 Branch", "phone_number": "0999654321", "email": "updated@example.com"}'

curl -X DELETE "https://new-api.ctechpay.com/api/merchant/v1/bank-accounts/1" \
  -H "Authorization: Bearer YOUR_TOKEN"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/bank-accounts/1" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/settlements/balance" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "available_balance": 850000.00,
    "currency": "MWK",
    "service_charge_pct": 5,
    "categories": [
      {
        "id": 2,
        "name": "Loan Application",
        "flag": "LOAN_APPLICATION",
        "charge_type": "fixed",
        "available_balance": 4170000.00
      }
    ]
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/settlements/options" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/settlements/preview" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "settlement_type": "full",
    "category_flag": "LOAN_APPLICATION"
  }'

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/settlements/preview?settlement_type=full&category_flag=LOAN_APPLICATION" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/settlements?page=1" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "settlements": [
      {
        "id": 12,
        "amount": 200000,
        "status": "completed",
        "bank_account": "National Bank - 1234567890",
        "requested_at": "2026-05-20 08:00:00",
        "settled_at": "2026-05-21 10:30:00"
      }
    ],
    "total": 5,
    "current_page": 1
  }
}

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/settlements" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "settlement_type": "full",
    "merchant_bank_id": 1,
    "category_flag": "LOAN_APPLICATION"
  }'

$response = $client->post('https://new-api.ctechpay.com/api/merchant/v1/settlements', [
  'headers' => ['Authorization' => 'Bearer ' . $token],
  'json' => [
    'settlement_type'  => 'custom',
    'merchant_bank_id' => 1,
    'amount'           => 200000,
    'transactions'     => 15,
  ],
]);

import requests

headers = {'Authorization': 'Bearer YOUR_TOKEN', 'Accept': 'application/json'}
payload = {
    'settlement_type': 'custom',
    'merchant_bank_id': 1,
    'amount': 200000,
    'transactions': 15,
}

r = requests.post('https://new-api.ctechpay.com/api/merchant/v1/settlements',
                  json=payload, headers=headers)
print(r.json())

// Settlement Request Response
{
  "success": true,
  "message": "Settlement requested successfully.",
  "data": {
    "id": 28,
    "settlement_ref": "SETTLE_6a1e92197844b",
    "amount": 8378.05,
    "original_amount": 8819,
    "tax_amount": 440.95,
    "status": "pending",
    "transactions": null,
    "created_at": "2026-06-02T10:19:37+02:00",
    "bank_account": {
      "id": 3,
      "bank_name": "National Bank of Malawi",
      "account_number": "100xxxxxxxx",
      "account_name": "James Doe"
    },
    "receipt": null,
    "approved_at": null
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/settlements/12" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/reports/overview?from=2026-06-01&to=2026-06-30" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "total_transactions": 1042,
    "successful_transactions": 970,
    "failed_transactions": 52,
    "reversed_transactions": 20,
    "total_revenue": 12500000.00,
    "total_settlements": 9800000.00,
    "pending_settlements": 450000.00,
    "total_invoices": 84,
    "paid_invoices": 71,
    "unpaid_invoices": 9
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/reports/monthly-revenue?months=6" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "labels":   ["Jan 2026", "Feb 2026", "Mar 2026", "Apr 2026", "May 2026", "Jun 2026"],
    "bank":     [320000, 410000, 580000, 490000, 620000, 450000],
    "mobile":   [300000, 330000, 400000, 380000, 480000, 400000],
    "combined": [620000, 740000, 980000, 870000, 1100000, 850000]
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/reports/status-distribution" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "completed": { "count": 970, "percentage": 93.1 },
    "failed":    { "count": 52,  "percentage": 5.0  },
    "pending":   { "count": 20,  "percentage": 1.9  }
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/reports/settlements?status=completed&from=2026-01-01" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/reports/invoices?from=2026-06-01&to=2026-06-30" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/reports/transactions?from=2026-06-01&to=2026-06-30&status=PURCHASED" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

$response = $client->get('https://new-api.ctechpay.com/api/merchant/v1/reports/transactions', [
  'headers' => ['Authorization' => 'Bearer ' . $token],
  'query' => [
    'from'   => '2026-06-01',
    'to'     => '2026-06-30',
    'status' => 'PURCHASED',
  ],
]);
$report = json_decode($response->getBody(), true);

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/notifications/unread-count" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "count": 5
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/notifications?page=1" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "unread_count": 5,
  "data": [
    {
      "id": 101,
      "type": "payment_received",
      "message": "A payment of MWK 10,000 has been received.",
      "read": false,
      "created_at": "2026-06-02T09:15:00+00:00"
    },
    {
      "id": 100,
      "type": "settlement_completed",
      "message": "Your settlement of MWK 200,000 has been processed.",
      "read": true,
      "created_at": "2026-05-21T11:00:00+00:00"
    }
  ],
  "meta": { "total": 47, "per_page": 20, "current_page": 1, "last_page": 3 }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/notifications/101" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/notifications/101/read" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "message": "Notification marked as read."
}

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/notifications/read-all" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X DELETE "https://new-api.ctechpay.com/api/merchant/v1/notifications/delete-read" \
  -H "Authorization: Bearer YOUR_TOKEN"

curl -X DELETE "https://new-api.ctechpay.com/api/merchant/v1/notifications/101" \
  -H "Authorization: Bearer YOUR_TOKEN"

const axios = require('axios');
const BASE = 'https://new-api.ctechpay.com/api/merchant/v1';
const headers = { Authorization: 'Bearer YOUR_TOKEN' };

// 1. Check unread badge count (response key is "count")
const { data: countData } = await axios.get(`${BASE}/notifications/unread-count`, { headers });
console.log('Unread:', countData.count);

// 2. Fetch unread notifications only
const { data: listData } = await axios.get(`${BASE}/notifications`, { headers, params: { read: false, per_page: 20 } });
listData.data.forEach(n => console.log(n.type, n.message));

// 3. Mark all as read
await axios.post(`${BASE}/notifications/read-all`, {}, { headers });

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/service-charge" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

$response = $client->get('https://new-api.ctechpay.com/api/merchant/v1/service-charge', [
  'headers' => ['Authorization' => 'Bearer ' . $token, 'Accept' => 'application/json'],
]);
$charge = json_decode($response->getBody(), true);

import requests

headers = {'Authorization': 'Bearer YOUR_TOKEN', 'Accept': 'application/json'}
r = requests.get('https://new-api.ctechpay.com/api/merchant/v1/service-charge', headers=headers)
print(r.json())

{
  "success": true,
  "data": {
    "charge_decimal":    0,
    "charge_percentage": 0,
    "is_exempted":       true,
    "exempted_amount":   500.00,
    "effective_charge":  0,
    "note": "You are exempt from service charges."
  }
}

{
  "success": true,
  "data": {
    "charge_decimal":    0.035,
    "charge_percentage": 3.5,
    "is_exempted":       false,
    "exempted_amount":   null,
    "effective_charge":  3.5,
    "note": "A 3.5% service charge applies to settlements."
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/invoices/summary" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": {
    "total":           84,
    "total_value":     5200000.00,
    "paid":            71,
    "paid_value":      4400000.00,
    "pending":         9,
    "pending_value":   620000.00,
    "failed":          4,
    "bank_count":      45,
    "mobile_count":    39,
    "conversion_rate": 84.5
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/invoices?page=1&status=PENDING&payment_method=mobile" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Sample Response
{
  "success": true,
  "data": [
    {
      "id": 42,
      "reference_number": "INV-2026-0042",
      "payment_method": "mobile",
      "status": "PENDING",
      "first_name": "Alice",
      "last_name": "Banda",
      "email": "alice@example.com",
      "total_value": 75000.00,
      "invoice_expiry_date": "2026-06-15",
      "created_at": "2026-06-02T08:00:00+00:00"
    }
  ],
  "meta": { "total": 9, "per_page": 20, "current_page": 1, "last_page": 1 }
}

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/invoices" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "payment_method": "mobile",
    "firstName": "Alice",
    "lastName": "Banda",
    "email": "alice@example.com",
    "emailSubject": "Invoice for Services Rendered",
    "invoiceExpiryDate": "2026-06-20",
    "message": "Please pay for the monthly subscription service.",
    "totalValue": 75000,
    "paymentAttempts": 3,
    "items": [
      {
        "description": "Monthly subscription fee",
        "quantity": 1,
        "totalPrice": { "value": 75000, "currencyCode": "MWK" }
      }
    ]
  }'

$response = $client->post('https://new-api.ctechpay.com/api/merchant/v1/invoices', [
  'headers' => ['Authorization' => 'Bearer ' . $token],
  'json' => [
    'payment_method'     => 'mobile',
    'firstName'          => 'Alice',
    'lastName'           => 'Banda',
    'email'              => 'alice@example.com',
    'emailSubject'       => 'Invoice for Services Rendered',
    'invoiceExpiryDate'  => '2026-06-20',
    'message'            => 'Please pay for the monthly subscription service.',
    'totalValue'         => 75000,
    'paymentAttempts'    => 3,
    'items'              => [[
      'description' => 'Monthly subscription fee',
      'quantity'    => 1,
      'totalPrice'  => ['value' => 75000, 'currencyCode' => 'MWK'],
    ]],
  ],
]);

import requests

headers = {'Authorization': 'Bearer YOUR_TOKEN', 'Accept': 'application/json'}
payload = {
    'payment_method': 'mobile',
    'firstName': 'Alice',
    'lastName': 'Banda',
    'email': 'alice@example.com',
    'emailSubject': 'Invoice for Services Rendered',
    'invoiceExpiryDate': '2026-06-20',
    'message': 'Please pay for the monthly subscription service.',
    'totalValue': 75000,
    'paymentAttempts': 3,
    'items': [
        {'description': 'Monthly subscription fee', 'quantity': 1,
         'totalPrice': {'value': 75000, 'currencyCode': 'MWK'}}
    ],
}
r = requests.post('https://new-api.ctechpay.com/api/merchant/v1/invoices',
                  json=payload, headers=headers)
print(r.json())

const { data } = await axios.post(
  'https://new-api.ctechpay.com/api/merchant/v1/invoices',
  {
    payment_method: 'mobile',
    firstName: 'Alice',
    lastName: 'Banda',
    email: 'alice@example.com',
    emailSubject: 'Invoice for Services Rendered',
    invoiceExpiryDate: '2026-06-20',
    message: 'Please pay for the monthly subscription service.',
    totalValue: 75000,
    paymentAttempts: 3,
    items: [
      { description: 'Monthly subscription fee', quantity: 1,
        totalPrice: { value: 75000, currencyCode: 'MWK' } }
    ],
  },
  { headers: { Authorization: 'Bearer YOUR_TOKEN' } }
);
console.log(data);

// Invoice Created Response
{
  "success": true,
  "message": "Mobile invoice sent to alice@example.com. The customer will receive a payment link.",
  "data": {
    "id": 43,
    "reference_number": "INV2026A1B2C3D4E5F6",
    "payment_method": "mobile",
    "status": "STARTED",
    "first_name": "Alice",
    "last_name": "Banda",
    "email": "alice@example.com",
    "email_subject": "Invoice for Services Rendered",
    "total_value": 75000.00,
    "message": "Please pay for the monthly subscription service.",
    "invoice_expiry_date": "2026-06-20",
    "payment_attempts": 3,
    "payment_link": null,
    "redirect_url": null,
    "checked": false,
    "created_at": "2026-06-02T09:00:00+00:00"
  },
  "pay_url": "https://new-api.ctechpay.com/invoice/mobile/pay/TOKEN123..."
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/invoices/43" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

curl -X PUT "https://new-api.ctechpay.com/api/merchant/v1/invoices/43" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "invoiceExpiryDate": "2026-06-25",
    "message": "Please complete your payment before the new expiry date.",
    "paymentAttempts": 5
  }'

curl -X DELETE "https://new-api.ctechpay.com/api/merchant/v1/invoices/43" \
  -H "Authorization: Bearer YOUR_TOKEN"

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/invoices/43/resend" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "newemail@example.com",
    "invoiceExpiryDate": "2026-06-30"
  }'

curl -X POST "https://new-api.ctechpay.com/api/merchant/v1/invoices/43/refresh-status" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Response
{
  "success": true,
  "message": "Invoice status refreshed.",
  "data": {
    "id": 43,
    "status": "paid",
    "paid_at": "2026-06-05 14:22:00"
  }
}

curl -X GET "https://new-api.ctechpay.com/api/merchant/v1/invoices/43/mobile-status" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Accept: application/json"

// Response — Payment in progress
{
  "success": true,
  "data": {
    "invoice_id": 43,
    "mobile_status": "pending",
    "airtel_transaction_id": "ID26032322250002efCTPAY",
    "message": "Awaiting customer approval on Airtel Money"
  }
}

// Response — Payment confirmed
{
  "success": true,
  "data": {
    "invoice_id": 43,
    "mobile_status": "completed",
    "airtel_transaction_id": "ID26032322250002efCTPAY",
    "airtel_money_id": "MP260602.1422.B99123",
    "message": "Payment received"
  }
}