Card Payment

The Card Payment method allows customers to securely pay using their debit or credit cards. This option supports online transactions and provides a fast and convenient way to complete payments.

URL: {BASEURL}/pay

Field Name	Structure/Key	Type	Description
Transaction ID	transaction_id	string	This is the unique identifier for the transaction
Merchant ID	merchant_id	string	This is the unique identifier assigned to a merchant, used to associate transactions and requests with the correct merchant account
Wallet Currency	currency	string	Specifies the currency in which the transaction is conducted, typically represented using the ISO 4217 currency code (e.g., KSH, GHS, NGN etc). Note that this must correspond with the wallet you have created on your account.
Payment Detail	payment_details	Object	Contains detailed information about the payment
Mobile Money	payment_details.momo_number	string	The active mobile number.
One-Time Password	payment_details.otp	string	The One-Time Password sent to the intended payer before initiating the debit request. It is used to authenticate and authorize the transaction.
Customer Email	payment_details.customer_email	string	The payer’s email
Customer First name	payment_details.customer_firstname	string	The payer or customer first name
Customer Last name	payment_details.customer_lastname	string	The payer or customer last name
Description	payment_details.description	string	A brief note about the payment, such as the purpose of the transaction or details for the payer. This helps provide context for both the merchant and the customer.
Card Number	payment_details.card_number	string	The primary number printed on the customer’s card, used to debit the card for the transaction.
CVV	payment_details.card_cvv	string	The 3- or 4-digit security code on the customer’s card, used to verify and authorize the card for the transaction
Card Expiry Month	payment_details.expiry_month	string	The month when the customer’s card expires, used to validate the card for the transaction.
Card Expiry Year	amount	string	The year when the customer’s card expires, used to validate the card for the transaction.
Name on Card	payment_details.name_on_card	string	The cardholder’s name as printed on the card, used to verify ownership during the transaction.
Payment Method ID	payment_method_id	string	A Brij-generated unique ID identifying the payment method used in the transaction.
Amount	amount	Numeric string	The total value of the transaction to be processed, represented as a string of digits (e.g., "5000").

💡 only 3-DSS cards are supported

PHP

<?php
$curl = curl_init();
curl_setopt_array($curl, array(
  CURLOPT_URL => '{{BaseURL}}/pay',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS =>'{
    "transaction_id": "Transaction ID",
    "merchant_id": "Merchant ID",
    "currency": "Wallet Currency",
    "payment_details": {
        "otp": "367***",
        "card_number": "10************10",
        "card_cvv": "***",
        "expiry_month": "**", //e.g 01, 12, 08
        "expiry_year": "**",  //e.g 24, 25, 
        "name_on_card": "Test Test",
        "momo_number": "+24370XXXXX",
        "customer_email": "Customer Email",
        "customer_firstname": "Customer First name",
        "customer_lastname": "Customer Last name",
        "description": "Payment Description"
    },
    "payment_method_id": "Brij payment method ID",
    "amount": "amount"
}
',
  CURLOPT_HTTPHEADER => array(
    'X-Requested-With: XMLHttpRequest',
    'Content-Type: application/json',
    'Authorization: Bearer YOUR_SECRET_KEY'
  ),
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

Node

var request = require('request');
var options = {
  'method': 'POST',
  'url': '{{BaseULR}}/pay',
  'headers': {
    'X-Requested-With': 'XMLHttpRequest',
    'Content-Type': 'application/json',
    'Authorization': 'Bearer YOUR_SECRET_KEY'
  },
  body: JSON.stringify({
    "transaction_id": "Transaction ID",
    "merchant_id": "Merchant ID",
    "currency": "Wallet Currency",
    "payment_details": {
      "otp": "367***",
      "card_number": "10************10",
      "card_cvv": "***",
      "expiry_month": "**",
      "expiry_year": "**",
      "name_on_card": "Name on Card",
      "momo_number": "+24370XXXXX",
      "customer_email": "Customer Email",
      "customer_firstname": "Customer First name",
      "customer_lastname": "Customer Last name",
      "description": "Payment Description"
    },
    "payment_method_id": "Brij payment method ID",
    "amount": "amount"
  })

};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

Curl

curl --location '{{BaseURL}}/pay' \
--header 'X-Requested-With: XMLHttpRequest' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer YOUR_SECRET_KEY' \
--data-raw '{
    "transaction_id": "Transaction ID",
    "merchant_id": "Merchant ID",
    "currency": "Wallet Currency",
    "payment_details": {
        "otp": "367***",
        "card_number": "Card Number",
        "card_cvv": "***",
        "expiry_month": "**",
        "expiry_year": "**",
        "name_on_card": "Name on Card",
        "momo_number": "+24370XXXXX",
        "customer_email": "Customer Email",
        "customer_firstname": "Customer First name",
        "customer_lastname": "Customer Last name",
        "description": "Payment Description"
    },
    "payment_method_id": "Brij payment method ID",
    "amount": "amount"
}'

{
   "status": "03",
   "data": {
       "transaction_id": "Brij Transaction",
       "merchant_transaction_id": "Merchant Transaction ID",
       "momo_number": "+24370XXXXX",
       "amount": "amount",
       "currency": "Wallet Currency",
       "payment_method_name": "Payment method name",
       "status": "pending",
       "app_fee": "0.00",
       "created_at": "Payment date",
       "authorization_url": "Authorization URL" 
  },
   "message": "Initiate authorization for payment"
}

Response