/payments/{reference}

Retrieves the status of a payment transaction using its reference ID.

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Path Parameters

ParameterTypeRequiredDescription
referencestringYesThe merchant reference you used when creating the transaction.

Response Body

Returns the same PaymentResponse shape documented under Create Payment or Payout — Response Body. Fields like redirect_link, virtual_account_details, gateway_code, and the refund/settle totals reflect the latest server-side state.

Example Response

{
  "request_type": "payment",
  "id": "9f8a4bb1-7d2c-4f9d-9e2d-a3b6c0a18a55",
  "reference": "ORD-2026-00482",
  "status": "success",
  "refund_status": "none",
  "settle_status": "approved",
  "response_code": "10000",
  "response_summary": "Payment completed",
  "gateway_code": "APPROVED",
  "gateway_recommendation": "PROCEED",
  "authorization_code": "A1B2C3",
  "retrieval_reference_number": "612345678901",
  "system_trace_audit_number": "405912",
  "amount": 250000,
  "fee": 1250,
  "currency": "NGN",
  "payment_timestamp": "2026-05-19T10:30:00Z",
  "source": {
    "type": "card",
    "card_type": "VISA",
    "card_bin": "424242",
    "card_last4": "4242",
    "expiry_month": "09",
    "expiry_year": "2028"
  },
  "customer": {
    "name": "Jane Doe",
    "merchant_reference": "CUST-9381"
  },
  "total_amount_captured": 250000,
  "total_amount_available_to_refund": 250000,
  "total_amount_refunded": 0
}
Path Params
string
required

Payment Reference ID

Headers
string
required

Current Timestamp

string
required

Unique Nonce Value

Responses

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Response
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application/json