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Mizaniya Pay VTPE is a Virtual Terminal Payment Engine that enables partner businesses to accept payments through the Mizaniya Pay platform. As a partner developer, you build two integration components: a Product Information API endpoint that VTPE calls to retrieve payment details, and a Webhook Endpoint that receives payment state change events from VTPE.

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Architecture Overview

When a customer initiates a payment on the VTPE platform, the flow works as follows:
  1. VTPE calls your Product Information API to retrieve payment details using a business reference.
  2. Your API returns the amount, currency, and payment details to display to the customer.
  3. VTPE processes the payment through its platform.
  4. VTPE sends webhook events to your Webhook Endpoint as the payment state changes.
This inverted architecture means you host the Product Information API while VTPE hosts the payment processing and webhook delivery infrastructure.

Quickstart

Implement your first VTPE integration step by step in minutes.

Integration Overview

Learn how the Product Information API and webhooks work together.

Product Information API

Explore the GET endpoint schema and response formats.

Webhook Events

Understand payment event types and how to handle them securely.

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Onboarding Steps

Get integrated with Mizaniya Pay VTPE by completing these four onboarding steps.
1

Create a Partner Account

Register at the Partner Portal to get access to the VTPE platform. Once your account is approved, you will receive your API Secret and HMAC Secret.
2

Receive API credentials from Mizaniya Pay

After account approval, you receive an API Secret for authentication and an HMAC Secret for webhook signature verification.
3

Configure your integration

Provide your API URL and Webhook URL to Mizaniya Pay. The API URL is the endpoint VTPE calls to retrieve payment details. The Webhook URL is the endpoint that receives payment events.
4

Implement the Product Information API endpoint

Build a GET endpoint at {API_URL}/{reference} that returns payment information, including total_amount, currency, and optional amount_detail and details arrays.
5

Implement the webhook handler and verify signatures

Build a POST endpoint at your Webhook URL that parses the event envelope, handles relevant payment events, and verifies the HMAC signature on every request.