Non‑Checkout Flow

The Non‑Checkout Flow allows you to collect mobile money payments without redirecting the customer to the Alexpay checkout page. In this method, you initiate the payment from your backend and then complete it by making a direct API call using the payment reference. This flow is ideal when you want full control of the payment experience within your website, mobile app, or custom UI.

How the Non‑Checkout Mobile Money Flow Works

1. Initialize the Payment: Make a server-side POST request to the payment initialization endpoint. Alexpay returns a paymentReference that uniquely identifies the transaction.

2. Complete the Payment: Using the paymentReference returned during initiation, your server immediately calls the Complete Payment endpoint. Alexpay will use this reference to trigger the Mobile Money push prompt on the customer’s device.

3. After the Payment: Once the payment is completed you can check the status on the status check endpoint and a erbhook nootfivation will be sent.

Step 1: Initialize the Payment

Send a server‑side POST request to the payment initialization endpoint.

POST /v1/payment/init

Name	Type	Description
secret-key	string	Your Alexpay secret key
public-key	string	Your Alexpay public-key

//mobile money method
{
    "currency": "GHS",
    "country": "GH",
    "narration": "payment for XYZ",
   "method": "mobilemoney",
    "amount": 10,
   "webhook_url": "{{webhook_url}}",
    "redirect_url": ""
}

Request body

• currency (string): The currency for the payment

• country (string): The country for the payment.

• narration (string): Description or reason for the payment.

• method (string): The payment method to be used.

• amount (number): The amount of the payment.

• reference (string, optional): A unique reference for the transaction. If not provided, the system will generate a unique reference value.

• webhook_url (string): A URL where notifications about the payment status will be sent.

• redirect_url (sting):

• Response

{
    "status": "success",
    "code": 200,
    "message": "success",
    "data": {
        "payment_link": "",
        "reference": "",
        "payment_id": "",
        "status": "pending"
    }
}

Step 2: Complete the Payment

Immediately after receiving the paymentReference, your server must complete the transaction. This call triggers the Mobile Money push prompt on the customer’s device.

POST: /v1/payment/pay/:payment_reference

Params

Name	Type	Description
payment_reference	string	The payment reference that was generated when initializing payment

Headers

Name	Type	Description
public-key	string	Your Alexpay public-key

Request

{
    "account_number":"{{phone_number}}",
    "customer_first_name":"Greghh",
    "customer_last_name": "Greg",
    "phone_number":"{{phone_number}}",
    "email":"[email protected]",
    "method":"mobilemoney"

}

Response

{
    "status": "success",
    "code": 200,
    "message": "payment sent for processing",
    "data": {
        "message": "payment sent for processing",
        "device_storage_token": null,
        "method": "mobilemoney",
        "payment_status": "pending",
        "operator": "MTNGhana"
    }
}

The customer receives a Mobile Money prompt and approves the payment using their PIN. Once approval is completed, Alexpay processes the transaction.

Step 3: After the Payment

Once the customer completes the payment:

1. Query Payment Status: Your server should call the Payment Status endpoint to confirm the final state of the transaction (e.g., success, failed, pending).

2. Receive Webhook Notification: Alexpay automatically sends a webhook to your configured webhook URL whenever the transaction status changes.