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Billing & Payment Operations

Process payments and establish billing agreements with customers.

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What is Billing & Payment Operations?

Core Payment Processing

Handle one time payments and establish recurring billing agreements with customers through their banks using secure agreement phrases.

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Key Operations

Billing Intent

Establish billing agreements with customers

Customer Billing

Process payments using established agreements

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How It Works

1

Create Billing Intent

Request permission from customer to establish billing agreement
2

Customer Approval

Customer approves through their bank (approve_once or approve_recurring)
3

Receive Agreement Phrase

Get encrypted agreement phrase for future billing
4

Process Payments

Use agreement phrase to bill customer

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Create Billing Intent

{
  "lookupPhrases": ["customer-lookup-phrase"],
  "currency": "NGN",
  "description": "Netflix subscription billing authorization"
}

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Bill Customer

{
  "agreementPhrases": ["customer-agreement-phrase"],
  "amount": 1500,
  "currency": "NGN",
  "description": "Netflix Premium - January 2024"
}

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Customer Decision Types

approve_once

Customer must approve each transaction individually

approve_recurring

Automatic approval for future transactions (trusted merchants)

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Use Cases

Process single payments for purchases or services with customer approval.
You’ll receive customer decisions via webhook notifications. See Webhooks Documentation for implementation details.

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Next Steps

After implementing billing operations:
  1. Recurring Billing for automated subscriptions
  2. Transaction Management to track payments
  3. Refund Management to handle refunds