Create Payment

POST /api-access/transactions/client/sessions/payment

Create a new payment transaction to send funds to a recipient.

Authentication

Required Headers:

Authorization: HMAC-SHA256 PUBLIC_KEY:PRIVATE_KEY
X-Origin: third-party-api
X-Timestamp: 2025-10-12T14:30:00.000Z
Content-Type: application/json

Request

Body Parameters:

Parameter	Type	Required	Description
description	string	No	Description of the payment
recipient	object	Conditional	Recipient details (required if not using destination_account_id)
quote_id	string	No	Quote ID from payment calculator
transaction	object	Yes	Transaction details object
transaction.amount	number	Yes	Amount to send
transaction.country	string	Yes	Recipient country code (e.g., ca)
transaction.channel	string	Yes	Payment channel (e.g., interac_send)
transaction.currency	string	Yes	Currency code (e.g., xof, cad)
destination_account_id	string	Conditional	Pre-configured account ID (for withdrawals)
metadata	object	No	Additional metadata
wallet_id	string	Yes	Source wallet ID

Recipient Object (when creating new recipient):

See Create Recipient for full recipient field documentation.

Response

Success Response (200):

{
  "data": {
    "success": false,
    "transaction_id": "string",
    "transaction_reference": "string",
    "message": "string",
    "payment_link": "string",
    "status": "string",
    "http_status": 0,
    "session_id": "string",
    "extra": {}
  },
  "success": true,
  "message": "string",
  "detail": {}
}

Examples

cURL

curl -X POST "https://sandbox.mara.boo/api-access/transactions/client/sessions/payment" \
  -H "Authorization: HMAC-SHA256 YOUR_PUBLIC_KEY:YOUR_PRIVATE_KEY" \
  -H "X-Origin: third-party-api" \
  -H "X-Timestamp: 2025-10-12T14:30:00.000Z" \
  -H "Content-Type: application/json" \
  -d '{
    "description": "Payment to supplier",
    "recipient": {
      "first_name": "John",
      "last_name": "Doe",
      "email": "john.doe@example.com",
      "phone": "+22997123456",
      "country": "bj",
      "transaction_type": "mobile_money",
      "recipient_type": "transaction",
      "provider": "mtn",
      "currency": "xof"
    },
    "quote_id": "quote-789",
    "transaction": {
      "amount": 5000,
      "country": "bj",
      "channel": "mobile_money",
      "currency": "xof"
    },
    "metadata": {},
    "wallet_id": "wallet-456"
  }'

JavaScript

const response = await fetch('https://sandbox.mara.boo/api-access/transactions/client/sessions/payment', {
  method: 'POST',
  headers: {
    'Authorization': 'HMAC-SHA256 YOUR_PUBLIC_KEY:YOUR_PRIVATE_KEY',
    'X-Origin': 'third-party-api',
    'X-Timestamp': '2025-10-12T14:30:00.000Z',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    description: "Payment to supplier",
    recipient: {
      first_name: "John",
      last_name: "Doe",
      email: "john.doe@example.com",
      phone: "+22997123456",
      country: "bj",
      transaction_type: "mobile_money",
      recipient_type: "transaction",
      provider: "mtn",
      currency: "xof"
    },
    quote_id: "quote-789",
    transaction: {
      amount: 5000,
      country: "bj",
      channel: "mobile_money",
      currency: "xof"
    },
    metadata: {},
    wallet_id: "wallet-456"
  })
});

const data = await response.json();

Python

import requests

response = requests.post(
    'https://sandbox.mara.boo/api-access/transactions/client/sessions/payment',
    headers={
        'Authorization': 'HMAC-SHA256 YOUR_PUBLIC_KEY:YOUR_PRIVATE_KEY',
        'X-Origin': 'third-party-api',
        'X-Timestamp': '2025-10-12T14:30:00.000Z',
        'Content-Type': 'application/json'
    },
    json={
        "description": "Payment to supplier",
        "recipient": {
            "first_name": "John",
            "last_name": "Doe",
            "email": "john.doe@example.com",
            "phone": "+22997123456",
            "country": "bj",
            "transaction_type": "mobile_money",
            "recipient_type": "transaction",
            "provider": "mtn",
            "currency": "xof"
        },
        "quote_id": "quote-789",
        "transaction": {
            "amount": 5000,
            "country": "bj",
            "channel": "mobile_money",
            "currency": "xof"
        },
        "metadata": {},
        "wallet_id": "wallet-456"
    }
)

data = response.json()

Go

package main

import (
    "bytes"
    "encoding/json"
    "net/http"
    "io/ioutil"
)

func main() {
    payload := map[string]interface{}{
        "description": "Payment to supplier",
        "recipient": map[string]interface{}{
            "first_name": "John",
            "last_name": "Doe",
            "email": "john.doe@example.com",
            "phone": "+22997123456",
            "country": "bj",
            "transaction_type": "mobile_money",
            "recipient_type": "transaction",
            "provider": "mtn",
            "currency": "xof",
        },
        "quote_id": "quote-789",
        "transaction": map[string]interface{}{
            "amount": 5000,
            "country": "bj",
            "channel": "mobile_money",
            "currency": "xof",
        },
        "metadata": map[string]interface{}{},
        "wallet_id": "wallet-456",
    }

    jsonData, _ := json.Marshal(payload)

    client := &http.Client{}
    req, _ := http.NewRequest("POST", "https://sandbox.mara.boo/api-access/transactions/client/sessions/payment", bytes.NewBuffer(jsonData))

    req.Header.Set("Authorization", "HMAC-SHA256 YOUR_PUBLIC_KEY:YOUR_PRIVATE_KEY")
    req.Header.Set("X-Origin", "third-party-api")
    req.Header.Set("X-Timestamp", "2025-10-12T14:30:00.000Z")
    req.Header.Set("Content-Type", "application/json")

    resp, _ := client.Do(req)
    defer resp.Body.Close()

    body, _ := ioutil.ReadAll(resp.Body)
}

Java

import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
import java.net.URI;

String jsonPayload = """
{
  "description": "Payment to supplier",
  "recipient": {
    "first_name": "John",
    "last_name": "Doe",
    "email": "john.doe@example.com",
    "phone": "+22997123456",
    "country": "bj",
    "transaction_type": "mobile_money",
    "recipient_type": "transaction",
    "provider": "mtn",
    "currency": "xof"
  },
  "quote_id": "quote-789",
  "transaction": {
    "amount": 5000,
    "country": "bj",
    "channel": "mobile_money",
    "currency": "xof"
  },
  "metadata": {},
  "wallet_id": "wallet-456"
}
""";

HttpClient client = HttpClient.newHttpClient();
HttpRequest request = HttpRequest.newBuilder()
    .uri(URI.create("https://sandbox.mara.boo/api-access/transactions/client/sessions/payment"))
    .header("Authorization", "HMAC-SHA256 YOUR_PUBLIC_KEY:YOUR_PRIVATE_KEY")
    .header("X-Origin", "third-party-api")
    .header("X-Timestamp", "2025-10-12T14:30:00.000Z")
    .header("Content-Type", "application/json")
    .POST(HttpRequest.BodyPublishers.ofString(jsonPayload))
    .build();

HttpResponse<String> response = client.send(request, HttpResponse.BodyHandlers.ofString());

C#

using System.Net.Http;
using System.Text;
using System.Text.Json;

var payload = new
{
    description = "Payment to supplier",
    recipient = new
    {
        first_name = "John",
        last_name = "Doe",
        email = "john.doe@example.com",
        phone = "+22997123456",
        country = "bj",
        transaction_type = "mobile_money",
        recipient_type = "transaction",
        provider = "mtn",
        currency = "xof"
    },
    quote_id = "quote-789",
    transaction = new
    {
        amount = 5000,
        country = "bj",
        channel = "mobile_money",
        currency = "xof"
    },
    metadata = new { },
    wallet_id = "wallet-456"
};

var client = new HttpClient();
var request = new HttpRequestMessage(HttpMethod.Post, "https://sandbox.mara.boo/api-access/transactions/client/sessions/payment");

request.Headers.Add("Authorization", "HMAC-SHA256 YOUR_PUBLIC_KEY:YOUR_PRIVATE_KEY");
request.Headers.Add("X-Origin", "third-party-api");
request.Headers.Add("X-Timestamp", "2025-10-12T14:30:00.000Z");

var jsonContent = JsonSerializer.Serialize(payload);
request.Content = new StringContent(jsonContent, Encoding.UTF8, "application/json");

var response = await client.SendAsync(request);
var content = await response.Content.ReadAsStringAsync();

Notes

Withdrawals vs Payments:

• Withdrawals are payments made to your own pre-configured accounts (use destination_account_id)
• Regular payments are sent to recipients (use recipient object)

Error Responses

Status Code	Description
400	Bad Request - Invalid parameters
401	Unauthorized - Invalid authentication
403	Forbidden - Missing required headers
422	Validation Error - Field validation failed
500	Internal Server Error

Related

• Create Recipient
• Get Client Sessions
• Payment Calculator
• Create Withdrawal Transaction