e-nkap Payment transaction workflow.
After successful integration to your website, the following workflow occurs for a payment transaction
- 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.
- 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.
- 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).
- Once the payment has been made, the status of the transaction will be changed to CONFIRMED or FAILED if it failed.
- The status of the order can at any time be obtained by calling the endpoint GET /api/order.
- 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:
- Smobilpay Cash Payments.
- MTN Mobile Money.
- Express Union Mobile.
- 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;
- The customer enters a name, phone number, email, confirm terms and conditions and clicks on submit;
- The status of the transaction changes to IN_PROGRESS.
- The customer receives an order number for the order by email or SMS.
- The customer is redirected to the callback URL set in the merchant's API configuration settings.
- Customer goes to a nearby Smobilpay agent with the order number and pays for the order.
- 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.
- 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;
- The customer enters a name, mobile money number, email, confirms terms and conditions and clicks on submit;
- The status of the transaction changes to IN_PROGRESS.
- The customer receives a USSD approval request from MTN to approve the payment of the order.
- Customer approves the payment request by entering his secret code and submitting.
- The customer's account is debited by the order amount.
- If the transaction is successful, the status of the transaction changes PENDING to CONFIRMED else FAILED.
- Customer is notified by MTN if the transaction is successful.
E-nkap Payment flow via Express Union Mobile.
- When the order has been created and has the status CREATED and the customer selects Express Union Mobile Money as the method of payment;
- The customer enters a name, EU mobile number, email, confirms terms and conditions and clicks on submit.
- The status of the transaction changes to IN_PROGRESS.
- The customer receives an SMS notification to approve the payment of the order on the EU mobile app.
- Customer approves the payment request by entering his secret code and submitting.
- The customer's account is debited by the order amount.
- If the transaction is successful, the status of the transaction changes from PENDING to CONFIRMED or FAILED.
- 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;
- Customer requests an OTP (One Time Password) from Orange.
- The customer enters a name, Orange money number, OTP, email, confirm terms and conditions and clicks on submit.
- The status of the transaction changes to IN_PROGRESS.
- E-nkap processes the transaction and changes the status to CONFIRMED or FAILED.
- Customer is notified by Orange if the transaction is successful.