After successful integration to your website, the following workflow occurs for a payment transaction

  1. A customer creates an order in your online shop and clicks on checkout. This triggers E-nkap's POST /api/order endpoint to create an order with.
  2. The customer will now choose the payment option that is best for him and submit. Just MTN Mobile Money, Smobilpay, Express Union Mobile and Orange Money are supported for now.


  1. Based on the payment service provider, a feedback request may be necessary to confirm the transaction on the customer's side (e.g. MTN cashout confirmation via SMS or USSD).
  2. Once the payment has been made, the status of the transaction will be changed to CONFIRMED or FAILED if it failed.
  3. The status of the order can at any time be obtained by calling the endpoint GET /api/order.
  4. If a notification URL is set in the merchant's API settings, changes in the transaction status will be sent to this URL.













Diagram of the payment workflow

Payment options

Currently, e-nkap supports the following payment options:

  1. Smobilpay Cash Payments.
  2. MTN Mobile Money.
  3. Express Union Mobile.
  4. Orange Money.


  E-nkap Payment via Smobilpay Cash Payments.

When the order has been created and the status CREATED as well, the customer selects Smobilpay as a method of payment;

  1. The customer enters a name, phone number, email, confirm terms and conditions and clicks on submit;
  2. The status of the transaction changes to IN_PROGRESS.
  3. The customer receives an order number for the order by email or SMS.
  4. The customer is redirected to the callback URL set in the merchant's API configuration settings.
  5. Customer goes to a nearby Smobilpay agent with the order number and pays for the order.
  6. Whether payment is successful or unsuccessful, the customer is notified by email and the status of the transaction changes from IN_PROGRESS to CONFIRMED or FAILED respectively.
  7. The customer receives a notification email with the appropriate status.

 E-nkap Payment via MTN Mobile Money.

When the order has been created and has the status CREATED and the customer selects MTN Mobile Money as the method of payment;

  1. The customer enters a name, mobile money number, email, confirms terms and conditions and clicks on submit;
  2. The status of the transaction changes to IN_PROGRESS.
  3. The customer receives a USSD approval request from MTN to approve the payment of the order.
  4. Customer approves the payment request by entering his secret code and submitting.
  5. The customer's account is debited by the order amount.
  6. If the transaction is successful, the status of the transaction changes PENDING to CONFIRMED else FAILED.
  7. Customer is notified by MTN if the transaction is successful.

  E-nkap Payment flow via Express Union Mobile.

  1. When the order has been created and has the status CREATED and the customer selects Express Union Mobile Money as the method of payment;
  2. The customer enters a name, EU mobile number, email, confirms terms and conditions and clicks on submit.
  3. The status of the transaction changes to IN_PROGRESS.
  4. The customer receives an SMS notification to approve the payment of the order on the EU mobile app.
  5. Customer approves the payment request by entering his secret code and submitting.
  6. The customer's account is debited by the order amount.
  7. If the transaction is successful, the status of the transaction changes from PENDING to CONFIRMED or FAILED.
  8. Customer is notified by Express Union if the transaction is successful.

  E-nkap Payment flow via Orange Money.

When the order has been created and has the status CREATED and the customer selects Orange Money as the method of payment;

  1. Customer requests an OTP (One Time Password) from Orange.
  2. The customer enters a name, Orange money number, OTP, email, confirm terms and conditions and clicks on submit.
  3. The status of the transaction changes to IN_PROGRESS.
  4. E-nkap processes the transaction and changes the status to CONFIRMED or FAILED.
  5. Customer is notified by Orange if the transaction is successful.