Generic Merchant Integration Guide

Overview

This guide outlines the steps required to integrate the Payloft Payment Gateway as a Generic Merchant. This integration enables your application or website to process payments using a standardized redirect-based model.

Supported Payment Schemes

Payloft currently supports the following card and account-based payment options:

PayAttitude (Phone number-based)
Visa
MasterCard
Afrigo
Verve

All communication with the gateway is conducted via JSON-formatted HTTP requests and responses.

Integration Model

As a Generic Merchant, your customers will be redirected to the Payloft Gateway UI for secure card entry and transaction processing. This model minimizes your PCI DSS scope since Payloft handles sensitive card data directly.

Flow Summary

Initiate Transaction
Your system sends a transaction initiation request to Payloft’s API with the required parameters.
Redirect to Payloft UI
Payloft returns a paymentUrl, and you redirect the customer to this URL.
Customer Makes Payment
The customer completes the payment on the Payloft-hosted page.
Callback Notification (Webhook)
Payloft sends a POST request to your specified callback URL with the transaction status.
Status Verification (Optional but Recommended)
You may call the Transaction Status API to confirm the final status.

Data Format

All requests and responses are in JSON. Ensure your system sets the Content-Type: application/json and Accept: application/json header for all API requests.

Support

For integration support or inquiries, please contact our technical team at: eplatform@up-ng.com

06 May 2025