Initiate E-Bill (Payment Via Voucher)

Generate a payment voucher (token) for the customer to pay via their bank portal or mobile banking app. See the E-Billing overview for the P2B/B2B concept, operator ID, and how tokens work.

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Endpoint

Method	POST
Path	/v2/payment/transaction/initiate
Sandbox	https://sandbox.simpaisa.com/v2/payment/transaction/initiate
Production	https://ibft.simpaisa.com/v2/payment/transaction/initiate

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Request Body

Parameter	Required	Type	Length	Description
merchantId	Yes	String	07	Unique merchant ID
amount	Yes	String	N/A	Total amount to be paid
userKey	Yes	String	N/A	Merchant key to track the transaction
msisdn	Yes	String	10	Customer contact number
transactionType	Yes	String	01	Payment type — one-time, recursive, or tokenized
expiryDuration	Yes	String	N/A	Token expiry, e.g. 2d or 6h
operatorId	Yes	String	06	Payment channel ID (100011)

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Response Body

Parameter	Description
status	Simpaisa response code
message	Human-readable explanation
merchantId	Merchant identifier
operatorId	Payment channel ID
paymentToken	Unique token the customer uses to pay via e-banking or mobile wallet
transactionId	Simpaisa transaction ID — store for Inquire
amount	Transaction amount
dateCreated	Timestamp when the payment token was generated
paymentTokenExpiryDateTime	Timestamp when the token expires

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Samples

Sample Request

{
    "merchantId": "xxxxxxx",
    "amount": "xxxx",
    "userKey": "xxxxxx",
    "msisdn": "xxxxxxxxx",
    "transactionType": "3",
    "expiryDuration": "2d",
    "operatorId": 100011
}

Successful Response

{
  "status": "0000",
  "message": "Success",
  "merchantId": "xxxxxx",
  "operatorId": "100011",
  "paymentToken": "xxxxxxxxxxxxxxxxxxxx",
  "transactionId": "xxxxxxxx",
  "amount": "xxxx",
  "dateCreated": "xxxxxxx",
  "paymentTokenExpiryDateTime": "xxxxxxx"
}

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E-Billing Postback (IPN)

When the customer pays, Simpaisa sends an async notification to your configured postback URL:

{
  "status": "0000",
  "message": "Success",
  "merchantId": "20000XX",
  "operatorId": "100011",
  "paymentToken": "10007714409644242324",
  "transactionId": "xxxxxxxx",
  "amount": "xxxx",
  "dateCreated": "xxxxxxx",
  "paymentTokenExpiryDateTime": "xxxxxxx",
  "datePaid": "xxxxxx"
}

Return HTTP 200 to acknowledge receipt.