Charge Verification

To verify a Mobile Money or Bank Transfer payment, use the Charge Verification Mobile Money endpoint or Bank endpoint, passing in the charge ID in the URL. You can get the charge ID from the chargeId field that's present in the response you get after creating a transaction, or in the webhook payload for any transaction.

Below is a sample code of how to implement server-side validation

curl -X GET "https://api.paychangu.com/mobile-money/payments/{{chargeId}}/verify"
-H "Accept: application/json"
-H "Authorization: Bearer {secret_key}"

curl --request GET \
     --url https://api.paychangu.com/direct-charge/transactions/{{charge_id}}/details \
     --header 'Authorization: Bearer {secret_key}' \
     --header 'accept: application/json'

Verification response

Here's a sample verification response

{
  "status": "successful",
  "message": "Payment authorized and completed successfully.",
  "data": {
    "amount": 100,
    "charge_id": "ksni",
    "ref_id": "29263119322",
    "trans_id": null,
    "first_name": "Kim",
    "last_name": "Banda",
    "email": "[email protected]",
    "type": "Direct API Payment",
    "status": "success",
    "mobile": "+265993xxxx40",
    "attempts": 1,
    "currency": "MK",
    "mode": "Live",
    "created_at": "2024-08-18T14:45:11.000000Z",
    "completed_at": "2024-08-18T14:52:44.000000Z",
    "event_type": "api.charge.payment",
    "mobile_money": {
      "name": "Airtel Money",
      "ref_id": "20be6c20-adeb-4b5b-a7ba-0769820df4fb",
      "country": "Malawi"
    },
    "transaction_charges": {
      "currency": "MK",
      "amount": "4"
    },
    "authorization": {
      "channel": "Mobile Money",
      "card_number": null,
      "expiry": null,
      "brand": null,
      "provider": "Airtel Money",
      "mobile_number": null,
      "completed_at": "2024-08-18T14:52:44.000000Z"
    },
    "logs": []
  }
}

{
  "status": "success",
  "message": "Transaction retrieved successfully.",
  "data": {
    "transaction": {
      "charge_id": "PTC12383",
      "ref_id": "75513659949",
      "trans_id": null,
      "currency": "MK",
      "amount": 1000,
      "first_name": null,
      "last_name": null,
      "email": null,
      "type": "Direct API Payment",
      "trace_id": "v0atWHs0NLEN3vbTAL4DKFLm59dVHuRM",
      "status": "success",
      "mobile": "0",
      "attempts": 1,
      "mode": "live",
      "created_at": "2025-02-17T21:14:35.000000Z",
      "completed_at": "2025-02-17T21:18:40.000000Z",
      "event_type": "api.charge.payment",
      "transaction_charges": {
        "currency": "MK",
        "amount": "20"
      },
      "authorization": {
        "channel": "Mobile Bank Transfer",
        "card_number": null,
        "expiry": null,
        "brand": null,
        "provider": null,
        "mobile_number": null,
        "payer_bank_uuid":"82310dd1-ec9b-4fe7-a32c-2f262ef08681",
        "payer_bank": "National Bank of Malawi",
        "payer_account_number": "1007134421",
        "payer_account_name": "Jonathan Manda",
        "completed_at": "2025-02-17T21:18:40.000000Z"
      },
      "logs": [
        {
          "type": "log",
          "message": "Attempted to pay with bank transfer",
          "created_at": "2025-02-17T21:14:35.000000Z"
        },
        {
          "type": "log",
          "message": "Bank transfer payment processed successfully.",
          "created_at": "2025-02-17T21:18:40.000000Z"
        }
      ]
    }
  }
}