This documentation outlines the two primary methods for collection available via the API - USSD push and payment links.

Accepted Payment Methods

  1. Payment Collection through USSD Push
  2. Payment Collection via Payment Links

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Payment Collection through USSD Push

USSD push is a convenient way to collect payments directly from a customer’s mobile phone. This method is widely used due to its simplicity and accessibility, even on basic mobile devices.

How It Works:

  • Initiate Request: Your system initiates a USSD push request to the customer’s mobile number.
  • Customer Authorization: The customer receives a prompt on their phone to authorize the payment.
  • Completion: Once the customer authorizes, the transaction is processed, and funds are transferred to your Niobi wallet.

Benefits:

  • Accessibility: Works on all mobile phones.
  • Security: Payments are secured with customer authorization.
  • Speed: Transactions are completed swiftly.

Payment links are a flexible way to collect payments without the need for a physical point of sale or a complex integration.

How It Works:

  • Create a Payment Link: Generate a unique payment link through your Niobi Payments dashboard.
  • Share the Link: Send this link to your customers via email, SMS, or any other communication platform.
  • Customer Payment: The customer clicks on the link, which takes them to a secure payment page where they can choose their preferred method of payment.
  • Receive Confirmation: Once the payment is completed, you receive an email notification with the transaction details, and the funds are credited to your Niobi wallet. The customer will also receive an email notification upon successful payment.

Supported Payment Methods on Payment Links:

  • Mobile Money
  • Credit/Debit Cards (coming soon)

Benefits:

  • Convenience: Easily shareable via any digital platform.
  • Flexibility: Accepts various payment methods.
  • Real-Time Tracking: Monitor payments in real-time.