Payment Flows

In this section you'll learn the basics steps you can follow to integrate Okra Direct Debits via the Widget or the API using the sandbox environment.

The following are the basic steps needed to get you started;

Step1- Payment Request Initiation
To get started, a payment request is needs to be initiated, and the channels through which such requests can be made are the Okra Widget and the Okra API.

Types of Payment

At Okra through our Direct Debit feature, merchant can decide what type of payment they want to implement, we have the following;

  • Payment Link - Create a payment link from your dash without writing code and send it to any of your merchants to send payments with ease.
  • One Time Payment - Charges on a users bank account occurs once, while
  • Recurring Payments - Merchant automatically charges a customer for goods or services on a prearranged schedule or at an interval - Examples include cable bills, cell phone bills, gym membership fees, utility bills, and magazine subscriptions.
  • Future Payments - This allows you to save a customer’s details without an initial payment. This is helpful if you want to onboard customers now, set them up for payments, and charge them in the future, through the API.

Step 2 - Payment Authorization
Once the payment initiation has been made, the payment request must be offered to the customer in order for them to pick their bank and authorize the payment.

Step 3 - Monitoring payment status
In other to monitor the payment status made, they are two thing you must note;

  • On the Okra Dashboard, Okra will send the transaction status and other information to the callback URL you specified in your app.
  • You may use the payment reference ID to send a call to the status endpoint, which will provide the entire payment information, including the status and other details.

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