From zero to a settled payment.

1. 1

   Create a merchant account

   Sign up at merchant.merashub.com/signup and complete KYC. Sandbox auto-approves in minutes; live merchants take 1-2 business days.
2. 2

   Mint a sandbox API key

   In the portal: Settings → Keys → Issue API key. Choose the sandbox environment. Copy the sk_test_…string — it's shown exactly once.
3. 3

   Create your first PaymentIntent

   POST to /v1/payment_intents from your server with the sandbox key. We accept your call, route to a mock provider, and return an intent that needs an OTP confirm.
4. 4

   Confirm with the sandbox OTP

   Sandbox OTP 123456 always succeeds. Confirm the intent and watch it transition to succeeded.
5. 5

   Register a webhook endpoint

   Add your URL in the portal. We sign every body with an HMAC-SHA256 secret. Verify on your side; we retry with exponential backoff for up to 12h.

Sample request

One curl. Replace the secret key and send. Always pass an Idempotency-Key — same key in the next 24h returns the same response without double-charging.

curl -X POST https://api.merashub.com/v1/payment_intents \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: order_42" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50000,
    "currency": "DJF",
    "provider": "mock",
    "customer_msisdn": "+25377xxxxxxx",
    "description": "Quickstart test"
  }'

{
  "id": "pi_01HZF8AYJX3D8M7QK0E5V4WJ9K",
  "client_secret": "pi_01HZF8AYJX3D8M7QK0E5V4WJ9K_secret_xyz",
  "amount_minor": 50000,
  "currency": "DJF",
  "status": "requires_action",
  "next_action": { "type": "collect_otp", "otp_length": 6 },
  "created_at": "2026-05-25T10:15:30Z"
}

Next steps