Initialize a Checkout

POST /v1/checkout/initialize Callable with either a secret key (server-side) or a public key + X-Business-ID header (client-side widgets) — see Authentication.

number

required

Amount in Naira, minimum ₦5

string

Payer’s email address

string

Payment title shown on the checkout page. Defaults to “Payment”

string

Payment description shown on the checkout page

string

Your own unique reference for this payment. Auto-generated (PAY-XXXXXXXXXX) if omitted

string

default:"Fixed"

Fixed, UnderPayment, or OverPayment — whether the customer must pay exactly this amount

number

default:"900"

Seconds until the dynamic account expires, between 60 and 86400 (24h)

curl -X POST "https://api.payracle.com/api/v1/checkout/initialize" \
  -H "Authorization: Bearer sk_live_YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1500,
    "email": "customer@example.com",
    "title": "Order #9928",
    "description": "Payment for running shoes"
  }'

Response

{
  "status": true,
  "message": "Checkout initialized.",
  "data": {
    "mode": "live",
    "reference": "PAY-A1B2C3D4E5",
    "checkout_url": "https://payracle.com/pay/PAY-A1B2C3D4E5",
    "amount": 1500,
    "account_number": "9012345678",
    "account_name": "Payracle-Order #9928",
    "bank_name": "Safe Haven MFB",
    "expires_at": "2026-08-28T15:20:00.000000Z",
    "status": "active"
  }
}

Redirect the customer to checkout_url, or embed it directly — that’s exactly what the JS widget and mobile SDKs do under the hood (load it in an iframe/WebView instead of a full redirect).

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API Reference

Initialize a Checkout