One Time Payment
In async flow, the Verify response is always Transaction-Pending (0037). Final success or failure arrives via postback. If Transaction-Pending is not returned, no postback will be sent.
All four wallets support async Verify. Parameter sets match the synchronous OTP Verify calls for each wallet.\
Request Body (non-OTP)
No otp field. All other fields match the standard Verify call.
| Parameter | Type | Required | Description |
|---|---|---|---|
merchantId | String | Yes | Your merchant ID |
operatorId | String | Yes | Wallet operator ID |
userKey | String | Yes | Your order reference |
msisdn | String | Yes | Customer mobile number |
transactionType | String | Yes | 0 for one-time payment |
amount | String | Yes | Transaction amount |
productReference | String | Yes | Product or service description |
Non-OTP Flow
Process a wallet payment without an OTP. The customer approves the payment in the wallet app (or via USSD). You make the final decision from the postback/webhook or Inquire.
info
This is an asynchronous flow. Verify returns Transaction-Pending (0037) first; Simpaisa notifies you later with the final status.
Full flow details, headers, and a sample request/response: Verify — Non-OTP.