Payment Collection Overview

ResolutPay supports multiple payment methods to help you accept payments from customers across Africa and beyond. Each payment method is optimized for specific use cases and regions.

Available Payment Methods

1. Card Payments

Accept credit and debit card payments from customers worldwide.

• Supported Cards: Visa, Mastercard, Verve
• Countries: All supported countries
• Processing Time: Instant
• Fees: 1.5% + ₵100 per transaction

2. Bank Transfers

Enable customers to pay directly from their bank accounts.

• Supported Banks: All major Ghanaian banks
• Countries: Ghana, Nigeria, Kenya, Uganda, Tanzania
• Processing Time: 1-3 business days
• Fees: ₵0.50 per transaction

3. Mobile Money

Accept payments from popular mobile money providers.

• Providers: MTN Mobile Money, Telecel Cash, Airtel Money, M-Pesa
• Countries: Ghana, Kenya, Uganda, Tanzania
• Processing Time: Instant
• Fees: 1% per transaction

4. USSD Payments

Allow payments via USSD codes for customers without smartphones.

• Supported Networks: MTN, Airtel, Vodafone
• Countries: Ghana, Nigeria
• Processing Time: Instant
• Fees: ₵0.50 per transaction

Payment Flow

All payment methods follow a similar flow:

1. Initialize Payment: Create a payment request
2. Customer Payment: Customer completes payment using their preferred method
3. Verification: Verify the payment status
4. Webhook Notification: Receive real-time updates (optional)

Payment Statuses

Status	Description
pending	Payment is being processed
success	Payment completed successfully
failed	Payment failed or was declined
abandoned	Customer abandoned the payment
reversed	Payment was reversed/refunded

Integration Options

1. Standard Integration

Redirect customers to ResolutPay's hosted payment page:

// Initialize payment
const response = await axios.post(
  "https://api.resolutpay.com/transaction/initialize",
  {
    amount: 5000,
    email: "customer@example.com",
    reference: "REF_" + Date.now(),
    callback_url: "https://yourwebsite.com/verify",
    currency: "GHS",
  },
  {
    headers: {
      Authorization: "Bearer YOUR_SECRET_KEY",
    },
  }
);

// Redirect customer to payment page
window.location.href = response.data.data.authorization_url;

2. Inline Integration

Embed payment forms directly in your website:

// Load ResolutPay inline script
<script src="https://js.resolutpay.com/v1/inline.js"></script>;

// Initialize inline payment
ResolutPay.inline({
  key: "YOUR_PUBLIC_KEY",
  amount: 5000,
  email: "customer@example.com",
  reference: "REF_" + Date.now(),
  currency: "GHS",
  callback: function (response) {
    // Handle payment response
    console.log(response);
  },
});

Currency Support

ResolutPay supports multiple currencies:

Currency	Code	Countries
Ghanaian Cedi	GHS	Ghana (Default)
Nigerian Naira	NGN	Nigeria
Kenyan Shilling	KES	Kenya
Ugandan Shilling	UGX	Uganda
Tanzanian Shilling	TZS	Tanzania
US Dollar	USD	All countries

Security Features

• PCI DSS Compliant: Secure card processing
• 3D Secure: Additional authentication for card payments
• Encryption: All data encrypted in transit and at rest
• Fraud Detection: Advanced fraud prevention systems
• Webhook Signatures: Secure webhook delivery

Testing

Use our sandbox environment for testing:

• Test Cards: Use provided test card numbers
• Test Bank Accounts: Use test account numbers
• Test Mobile Money: Use test phone numbers
• No Real Charges: No actual money is charged

Next Steps

• Initialize Payment - Learn how to create payment requests
• Charge Card - Process card payments
• Bank Transfer - Accept bank transfers
• Mobile Money - Accept mobile money payments
• USSD Payment - Accept USSD payments