Payxy Developer API

// Run this from your backend (Node.js) — never expose credentials in browser code
async function initializePayment() {
  const merchantCode = "PYXY000026";
  const token = Buffer.from(merchantCode).toString("base64");

  const response = await fetch("https://api.payxy.ng/api/Payments/Initialize", {
    method: "POST",
    headers: {
      "Authorization": `Bearer ${token}`,
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
      email: "[email protected]",
      amount: "5000",
      transactionId: "TXN-20260706-0001",
      currency: "NGN",
      callbackUrl: "https://merchant-site.com/payment/callback"
    })
  });

  const result = await response.json();

  if (result.responseCode === "00") {
    // Redirect the customer
    res.redirect(result.data.paymentUrl);
  }
}

using System.Net.Http.Headers;
using System.Text;
using System.Text.Json;

var merchantCode = "PYXY000026";
var encodedCode = Convert.ToBase64String(Encoding.UTF8.GetBytes(merchantCode));

using var client = new HttpClient();
client.DefaultRequestHeaders.Authorization =
    new AuthenticationHeaderValue("Bearer", encodedCode);

var payload = new
{
    email = "[email protected]",
    amount = "5000",
    transactionId = "TXN-20260706-0001",
    currency = "NGN",
    callbackUrl = "https://merchant-site.com/payment/callback"
};

var json = JsonSerializer.Serialize(payload);
var content = new StringContent(json, Encoding.UTF8, "application/json");

var response = await client.PostAsync(
    "https://api.payxy.ng/api/Payments/Initialize", content);
var body = await response.Content.ReadAsStringAsync();

<?php
$merchantCode = "PYXY000026";
$payload = [
    "email" => "[email protected]",
    "amount" => "5000",
    "transactionId" => "TXN-20260706-0001",
    "currency" => "NGN",
    "callbackUrl" => "https://merchant-site.com/payment/callback"
];

$ch = curl_init("https://api.payxy.ng/api/Payments/Initialize");
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        "Authorization: Bearer " . base64_encode($merchantCode),
        "Content-Type: application/json"
    ],
    CURLOPT_POSTFIELDS => json_encode($payload),
]);

$response = curl_exec($ch);
if ($response === false) throw new RuntimeException(curl_error($ch));
$result = json_decode($response, true, 512, JSON_THROW_ON_ERROR);
curl_close($ch);

if (($result["responseCode"] ?? null) === "00") {
    header("Location: " . $result["data"]["paymentUrl"]);
    exit;
}

import base64
import json
from urllib.request import Request, urlopen

merchant_code = "PYXY000026"
token = base64.b64encode(merchant_code.encode()).decode()
payload = {
    "email": "[email protected]",
    "amount": "5000",
    "transactionId": "TXN-20260706-0001",
    "currency": "NGN",
    "callbackUrl": "https://merchant-site.com/payment/callback",
}

request = Request(
    "https://api.payxy.ng/api/Payments/Initialize",
    data=json.dumps(payload).encode(),
    headers={
        "Authorization": f"Bearer {token}",
        "Content-Type": "application/json",
    },
    method="POST",
)

with urlopen(request, timeout=30) as response:
    result = json.load(response)

if result["responseCode"] == "00":
    payment_url = result["data"]["paymentUrl"]

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.nio.charset.StandardCharsets;
import java.util.Base64;

var merchantCode = "PYXY000026";
var token = Base64.getEncoder().encodeToString(
    merchantCode.getBytes(StandardCharsets.UTF_8));
var payload = """
    {"email":"[email protected]","amount":"5000",
     "transactionId":"TXN-20260706-0001","currency":"NGN",
     "callbackUrl":"https://merchant-site.com/payment/callback"}
    """;

var request = HttpRequest.newBuilder()
    .uri(URI.create("https://api.payxy.ng/api/Payments/Initialize"))
    .header("Authorization", "Bearer " + token)
    .header("Content-Type", "application/json")
    .POST(HttpRequest.BodyPublishers.ofString(payload))
    .build();

var response = HttpClient.newHttpClient().send(
    request, HttpResponse.BodyHandlers.ofString());
System.out.println(response.body());

package main

import (
    "bytes"
    "encoding/base64"
    "encoding/json"
    "fmt"
    "net/http"
)

func main() {
    payload := map[string]string{
        "email": "[email protected]", "amount": "5000",
        "transactionId": "TXN-20260706-0001", "currency": "NGN",
        "callbackUrl": "https://merchant-site.com/payment/callback",
    }
    body, _ := json.Marshal(payload)
    req, _ := http.NewRequest(http.MethodPost,
        "https://api.payxy.ng/api/Payments/Initialize", bytes.NewReader(body))
    token := base64.StdEncoding.EncodeToString([]byte("PYXY000026"))
    req.Header.Set("Authorization", "Bearer "+token)
    req.Header.Set("Content-Type", "application/json")

    response, err := http.DefaultClient.Do(req)
    if err != nil { panic(err) }
    defer response.Body.Close()
    fmt.Println(response.Status)
}

async function verifyPayment(transactionId) {
  const token = Buffer.from("PYXY000026").toString("base64");

  const response = await fetch(
    "https://api.payxy.ng/api/Payments/VerifyPayment?caller=my-store",
    {
      method: "POST",
      headers: {
        "Authorization": `Bearer ${token}`,
        "Content-Type": "application/json"
      },
      body: JSON.stringify({ transactionId })
    }
  );

  const result = await response.json();

  if (result.responseCode === "00" && result.data.isSuccessful) {
    // Safe to give value to the customer
    console.log("Payment confirmed:", result.data.paymentReference);
  }

  return result;
}

using System.Net.Http.Headers;
using System.Text;
using System.Text.Json;

var encodedCode = Convert.ToBase64String(Encoding.UTF8.GetBytes("PYXY000026"));

using var client = new HttpClient();
client.DefaultRequestHeaders.Authorization =
    new AuthenticationHeaderValue("Bearer", encodedCode);

var payload = new { transactionId = "TXN-20260706-0001" };
var json = JsonSerializer.Serialize(payload);
var content = new StringContent(json, Encoding.UTF8, "application/json");

var response = await client.PostAsync(
    "https://api.payxy.ng/api/Payments/VerifyPayment?caller=my-store", content);
var body = await response.Content.ReadAsStringAsync();

<?php
$merchantCode = "PYXY000026";
$payload = ["transactionId" => "TXN-20260706-0001"];
$ch = curl_init(
    "https://api.payxy.ng/api/Payments/VerifyPayment?caller=my-store"
);
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        "Authorization: Bearer " . base64_encode($merchantCode),
        "Content-Type: application/json"
    ],
    CURLOPT_POSTFIELDS => json_encode($payload),
]);

$response = curl_exec($ch);
if ($response === false) throw new RuntimeException(curl_error($ch));
$result = json_decode($response, true, 512, JSON_THROW_ON_ERROR);
curl_close($ch);

if (($result["responseCode"] ?? null) === "00"
    && ($result["data"]["isSuccessful"] ?? false)) {
    // Payment confirmed — fulfillment can proceed idempotently.
}

import base64
import json
from urllib.request import Request, urlopen

token = base64.b64encode(b"PYXY000026").decode()
request = Request(
    "https://api.payxy.ng/api/Payments/VerifyPayment?caller=my-store",
    data=json.dumps({"transactionId": "TXN-20260706-0001"}).encode(),
    headers={
        "Authorization": f"Bearer {token}",
        "Content-Type": "application/json",
    },
    method="POST",
)

with urlopen(request, timeout=30) as response:
    result = json.load(response)

if result["responseCode"] == "00" and result["data"]["isSuccessful"]:
    print("Payment confirmed", result["data"]["paymentReference"])

import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.nio.charset.StandardCharsets;
import java.util.Base64;

var token = Base64.getEncoder().encodeToString(
    "PYXY000026".getBytes(StandardCharsets.UTF_8));
var request = HttpRequest.newBuilder()
    .uri(URI.create(
        "https://api.payxy.ng/api/Payments/VerifyPayment?caller=my-store"))
    .header("Authorization", "Bearer " + token)
    .header("Content-Type", "application/json")
    .POST(HttpRequest.BodyPublishers.ofString(
        "{\"transactionId\":\"TXN-20260706-0001\"}"))
    .build();

var response = HttpClient.newHttpClient().send(
    request, HttpResponse.BodyHandlers.ofString());
System.out.println(response.body());

package main

import (
    "bytes"
    "encoding/base64"
    "encoding/json"
    "fmt"
    "net/http"
)

func main() {
    payload := map[string]string{"transactionId": "TXN-20260706-0001"}
    body, _ := json.Marshal(payload)
    req, _ := http.NewRequest(http.MethodPost,
        "https://api.payxy.ng/api/Payments/VerifyPayment?caller=my-store",
        bytes.NewReader(body))
    token := base64.StdEncoding.EncodeToString([]byte("PYXY000026"))
    req.Header.Set("Authorization", "Bearer "+token)
    req.Header.Set("Content-Type", "application/json")

    response, err := http.DefaultClient.Do(req)
    if err != nil { panic(err) }
    defer response.Body.Close()
    fmt.Println(response.Status)
}