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Overview

Niobi gives you two ways to collect payments: integrate directly with the Unified Collections API for full control over your own checkout UI, or generate a Payment Link, a Niobi-hosted checkout page you can share with a customer without writing any front-end code. This page covers Payment Links, how to create one, and how the customer completes payment on it. Niobi Hosted Checkout Interface
  • Zero front-end engineering: Niobi hosts the entire checkout page, so you don’t need to build payment forms, input masks, or error-handling UI.
  • Multi-currency & country support: Payer details, country selection, and currency are handled on the page itself.
  • Flexible distribution: Share the link over WhatsApp, SMS, invoices, email, or a website or app checkout button, or embed it as a QR code for a customer to scan in person.
  • Instant reconciliation: When the customer completes payment, Niobi credits your merchant wallet and dispatches the same webhook callback (payment_step: 2) used across every other collection method.
A payment link can be created in one of two ways, depending on who is creating it and why:

Dashboard (No-Code)

Built for a person creating a link by hand: sales, support, or finance staff sending a one-off link to a specific customer, invoice, or order, with no engineering work involved.

API (Programmatic)

Built for your own systems creating links automatically: for example, generating a unique link every time an order is placed on your platform, tied to your own order reference, with no manual step in between.
Neither method replaces the other. Which one you use depends on whether a person is triggering link creation, or a system event in your own backend is.

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Method 1: Via the Dashboard

1

Log in to the Niobi Dashboard

Navigate to Payments → Payment Links.
2

Click Create Payment Link

Enter the item name, currency, and amount. The amount can be fixed, or left for the customer to enter themselves.
3

Copy the generated checkout URL

The link is ready to share immediately, no further setup required.

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Method 2: Via the API

1

Call the Create Payment Link API

Send a signed request to the Create Payment Link API (POST /api/v3/payment-link-api/create) from your backend.
2

Optionally pre-fill the payer's details

Pass first_name, last_name, email, and phone at creation time so the checkout page loads with the customer’s details already filled in, they only need to pick a payment method and confirm.
3

Retrieve and manage links programmatically

Use the Payment Link List API (GET /api/payment-link-api/list) to view, filter, or retrieve links you’ve created.

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How the Customer Completes Payment

Regardless of how the link was created, the customer experience and the settlement flow are identical:
1

Customer opens the link

Whether the customer clicked the link directly or scanned it as a QR code, they land on the same clean, branded Niobi checkout page shown above.
2

Customer confirms details and pays

Their name, email, country, and currency are pre-filled automatically if you supplied them at creation. The customer then picks their preferred local payment channel (Mobile Money, Bank Transfer, or Card) and completes authorization.
3

Webhook callback

Once the transaction settles, Niobi sends a terminal callback (payment_step: 2) to your configured webhook URL, the same shape you’d receive for a direct API collection. See Collection Callbacks for the full payload and how to reconcile it.

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Next Steps

API Path

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Collection Methods

Integrating directly instead? See every supported payment channel across Mobile Money, Bank Transfers, and Redirects.

Next

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Collection Callbacks

Handle terminal payment_step: 2 callbacks, verify signatures, and reconcile outcomes.