The Transaction Lifecycle

Understanding how a transaction moves through our system is crucial for a smooth integration. Here is the lifecycle of a typical card payment:

1. Initialization: Your server calls the /transaction/initialize endpoint with customer details and amount. We return an authorization URL.
2. Payment: The customer enters card details on our secure page and completes 3DS verification.
3. Verification: Once the customer is redirected to your site, your server MUST call /transaction/verify/:reference to confirm the success of the payment.
4. Hook: Simultaneously, we send a charge.success webhook to your configured URL as an asynchronous confirmation.
5. Settlement: The funds move to your "Pending" balance and are settled into your bank account on the next business day (T+1).