> ## Documentation Index > Fetch the complete documentation index at: https://doc.seerbit.com/llms.txt > Use this file to discover all available pages before exploring further. # Initiate Payment > Accept more payments with our unified payments API. Accept payments from all major cards and the most popular local and alternative payment methods all in a single integration. ## OpenAPI ````yaml https://raw.githubusercontent.com/seerbit/openapi/master/specs/external-api.yml post /payments/initiates openapi: 3.0.1 info: title: SeerBit API Reference contact: {} version: '1.0' servers: - url: https://seerbitapi.com/api/v2 security: [] tags: - name: AUTHENTICATION - name: STANDARD CHECKOUT - name: ORDER CHECKOUT - name: PAYMENT METHOD - name: MOMO - name: NON 3DS PAYMENT - name: CARD - name: ACCOUNT - name: TOKENIZE - name: AUTHORISE - name: PREAUTHORIZATION - name: RECURRENT paths: /payments/initiates: post: tags: - PAYMENT METHOD summary: Initiate Payment description: >- Accept more payments with our unified payments API. Accept payments from all major cards and the most popular local and alternative payment methods all in a single integration. operationId: InitiatePayment requestBody: content: application/json: schema: type: object examples: momoRequestPaylaod: $ref: '#/components/examples/momoRequestPaylaod' cardRequestPaylaod: $ref: '#/components/examples/cardRequestPayload' accountRequestPaylaod: $ref: '#/components/examples/accountRequestPaylaod' transferRequestPaylaod: $ref: '#/components/examples/transferRequestPaylaod' required: true responses: '200': description: '' content: application/json: schema: type: object examples: InitiateAccountPaymentResponse: $ref: '#/components/examples/InitiateAccountPaymentResponse' InitiateAccountPaymentS12Response: $ref: '#/components/examples/InitiateAccountPaymentS12Response' InitiateAccountPaymentS7Response: $ref: '#/components/examples/InitiateAccountPaymentS7Response' InitiateCardPaymentResponse: $ref: '#/components/examples/InitiateCardTransactionsResponse' InitiateCardTransactionsS12Response: $ref: '#/components/examples/InitiateCardTransactionsS12Response' InitiateCardTransactionsS18Response: $ref: '#/components/examples/InitiateCardTransactionsS18Response' InitiateTransferResponse: $ref: '#/components/examples/InitiateTransferResponse' GhanaMomoResponse: $ref: '#/components/examples/GhanaMomoResponse' '400': description: Bad Request content: application/json: schema: type: object examples: InitiatePayment400InputResponse: $ref: '#/components/examples/InitiatePayment400InputResponse' InitiatePayment400Response: $ref: '#/components/examples/InitiatePayment400Response' '401': description: Unauthorized content: application/json: schema: type: object examples: 401Response: $ref: '#/components/examples/401Response' '403': description: Missing Header Token content: application/json: schema: type: object examples: InitiatePayment403Response: $ref: '#/components/examples/403Response' InitiateCardTransactionsResponse403Response: $ref: '#/components/examples/403Response1' '404': description: Not Found content: application/json: schema: type: object examples: 400Response1: $ref: '#/components/examples/404Response1' '500': description: Internal Server Error content: application/json: schema: type: object examples: 500Response: $ref: '#/components/examples/500Response' 500Response1: $ref: '#/components/examples/500Response1' deprecated: false security: - Bearer: [] components: examples: momoRequestPaylaod: summary: An example of momo request payload value: fullName: john doe email: johndoe@gmail.com mobileNumber: 248360953 publicKey: SBPUBK_QGOX9NBAHWDYY1PAFSG2PTDOSSZYEWXM paymentReference: O456S5077907982QWEuWAT05M deviceType: nokia 3310 sourceIP: 1.0.1.0 currency: GHS productDescription: snacks country: GH network: MTN voucherCode: '' fee: '0.00' amount: '1.00' productId: grocery paymentType: MOMO cardRequestPayload: summary: An example of card request payload value: publicKey: SBTESTPUBK_9sN3TuLgW6a9redEfY48cKKkUa09Pz2u amount: '100.00' fee: '10' fullName: Kola Victor mobileNumber: 8028089445 currency: NGN country: NG paymentReference: STG10948E242P65R569A20tAQM85EQW4 email: kolawole@gmail.com productId: Foods productDescription: RASPBERRY clientAppCode: kpp64 redirectUrl: http://checkout-seerbit.surge.sh paymentType: CARD scheduleId: '' channelType: Mastercard deviceType: Apple Laptop sourceIP: 127.0.0.1:3456 cardNumber: '5123450000000008' cvv: '100' expiryMonth: '05' expiryYear: '21' pin: '####' source: '' retry: 'false' invoiceNumber: 10000123abc123 isCvv: 'true' accountRequestPaylaod: summary: An example of account request payload value: publicKey: SBTESTPUBK_9sN3TuLgW6a9redEfY48cKKkUa09Pz2u amount: '2000.00' fee: '10' fullName: Samuel Tosin mobileNumber: 8028089445 currency: NGN country: NG paymentReference: VERS2FURTHERTESTAc029456784 email: kolawole@gmail.com productId: Foods productDescription: 'Uba Account Transaction ' clientAppCode: kpp64 channelType: BANK_ACCOUNT redirectUrl: https://checkout.seerbit.com callbackUrl: https://checkout.seerbit.com paymentType: ACCOUNT deviceType: Apple Laptop sourceIP: 127.0.0.1:3456 accountName: kolawole Alagbon accountNumber: '1234567890' bankCode: '033' bvn: '12345678901' dateOfBirth: 4011984 source: '' retry: 'false' invoiceNumber: 1234567891abc123ac transferRequestPaylaod: summary: An example of transfer request payload value: publicKey: SBTESTPUBK_9sN3TuLgW6a9redEfY48cKKkUa09Pz2u fullName: Samuel Teas amount: '20.00' fee: 10 redirectUrl: http://checkout-seerbit.surge.sh sourceIP: 127.0.0.1:3456 cardNumber: 5123450000000008 isCvv: 'true' pocketReference: '12345678543' callbackUrl: https://checkout.seerbit.com accountName: kolawole Alagbon accountNumber: '1234567890' bankCode: '033' bvn: '12345678901' amountControl: FIXEDAMOUNT channelType: Mastercard mobileNumber: '08033456539' cvv: '100' expiryMonth: 5 expiryYear: 21 pin: '####' type: 3DSECURE source: '' currency: NGN country: NG paymentReference: L16FDE3311RSEY2AUA3QWERQPU email: kolawole@gmail.com productId: Foods productDescription: RASPBERRY clientAppCode: kpp64 paymentType: CARD deviceType: Apple Laptop walletDaysActive: '1' retry: 'false' invoiceNumber: 1234567890abc123ac InitiateAccountPaymentResponse: summary: An example of account response payload value: status: SUCCESS data: code: '20' payments: paymentReference: VERS2FURTHERTESTAc722456784 linkingReference: F282866521599191373372 message: Transaction is pending InitiateAccountPaymentS12Response: summary: An example of account response S12 payload value: status: SUCCESS data: code: S12 payments: {} message: >- Cant process at this moment, please try again Transaction reference must be unique InitiateAccountPaymentS7Response: summary: An example of account response S7 payload value: status: SUCCESS data: code: S7 payments: {} message: >- Cant process at this moment, please try again Invalid Amount = Amount cannot be less than 100.0 InitiateCardTransactionsResponse: summary: An example of card response payload value: status: SUCCESS data: code: S20 payments: paymentReference: STG10342E29R569A22QAQMP5EQW8 linkingReference: F569896131602965690855 redirectUrl: >- https://staging.seerbitapigateway.com/seerbit/card-dispatch?sredref=F569896131602965690855 message: Transaction is pending InitiateCardTransactionsS12Response: summary: An example of card S12 response payload value: status: SUCCESS data: code: S12 payments: {} message: Transaction Failed InitiateCardTransactionsS18Response: summary: An example of card S18 response payload value: status: SUCCESS data: code: S18 payments: {} message: Transaction reference must be unique InitiateTransferResponse: summary: An example of transfer response payload value: status: SUCCESS data: code: '00' payments: paymentReference: NGN0100067Q35 amount: 20 walletName: SeerBit wallet: '9956411533' bankName: Providus Bank accountNumber: '9956411533' message: ACCOUNT OPENED SUCCESSFULLY GhanaMomoResponse: summary: An example of momo response payload value: status: SUCCESS data: code: NIP payments: paymentReference: O456S5077987982QWEuWAT05M linkingReference: CF580053381599564199316 message: Kindly Enter Otp InitiatePayment400InputResponse: summary: An example of 400 response payload value: message: Bad Request error: There has been a problem with reading or understanding the request. InitiatePayment400Response: summary: An example of 400 response payload value: message: Payment Type cannot be null error: INPUT 401Response: summary: An example of 401 response payload value: message: Invalid Authentication Token error: INPUT 403Response: summary: An example of 403 response payload value: message: Confirm Merchant Environment error: PERMISSION 403Response1: summary: An example of 403 response payload value: message: Header Token Missing error: PERMISSION 404Response1: summary: An example of 404 response payload value: message: Not Found error: The server can not find the requested resource 500Response: summary: An example of 500 response payload value: message: Internal Server Error error: PROCESSING 500Response1: summary: An example of 500 response payload value: message: Transaction with reference exists error: PROCESSING securitySchemes: Bearer: type: apiKey name: Authorization in: header ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.