Initiate Payment

Create a pay-in session and receive a payment_url to redirect the customer to the wallet operator's payment page.

Applies to: Bangladesh · Nepal · Egypt · Iraq

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Endpoint

Method	POST
Path	/payins/payments/initiate
Sandbox	https://sandbox.simpaisa.com/payins/payments/initiate
Production	https://payin.simpaisa.com/payins/payments/initiate

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Headers

Header	Required	Description
Accept	Yes	text/plain, application/json, application/*+json
Content-Type	Yes	application/json
api-token	Yes	Merchant API token
mode	Yes	payin
region	Yes	BD · NP · EG · IQ
operatorId	Yes	Operator code — see regional configuration
version	Yes	3.0

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Request Body

Parameter	Type	Required	Description
merchantId	String	Yes	Simpaisa-assigned merchant ID (7 digits)
userKey	String	Yes	Your unique order reference
msisdn	String	Yes	Customer mobile number linked to the wallet
amount	String	Yes	Amount to charge
operator	String	Yes†	Bangladesh only. Operator ID (must match operatorId header)
operatorId	String	Yes†	Nepal, Egypt, Iraq. Operator ID (must match operatorId header)
successUrl	String	Yes	Redirect URL after successful payment
failureUrl	String	Yes	Redirect URL after failed payment
productReference	String	Yes	Short description of the product or service
platform	String	No	Platform identifier
currencyCode	String	No*	ISO currency — BDT · NPR · EGP · IQD
transactionType	String	No	0 = one-time payment (default)

* Recommended for NP, EG, and IQ. Required for correct currency handling in those regions.

† Field name is region-specific for request and response: use operator for BD only; use operatorId for NP, EG, and IQ. Send one field, not both.

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Response Body

Parameter	Type	Description
status	String	Status code — 0037 means pending (redirect customer to pay)
message	String	Human-readable status
merchantId	String	Echo of your merchant ID
userKey	String	Echo of your order reference
msisdn	String	Customer mobile number
amount	String	Transaction amount
transactionId	String	Simpaisa transaction ID — store this for Inquire
payment_url	String	URL to redirect the customer to complete payment
operator	String	Bangladesh only. Operator ID used
operatorId	String	Nepal, Egypt, Iraq. Operator ID used
currencyCode	String	Currency, when returned
transactionType	String	Transaction type

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Integration Steps

1. Call Initiate with the correct region, operatorId, and body fields.
2. If status is 0037 (Transaction-Pending), redirect the customer to payment_url.
3. When the customer returns to successUrl or failureUrl, call Inquire with transactionId.
4. Optionally handle the async postback.

info

payment_url is returned for sandbox and production. Redirect the customer's browser (or open in WebView) immediately after a successful Initiate call.

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Samples

Bangladesh — bKash

curl --location 'https://sandbox.simpaisa.com/payins/payments/initiate' \
  --header 'api-token: YOUR_API_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'mode: payin' \
  --header 'region: BD' \
  --header 'operatorId: 10001' \
  --header 'version: 3.0' \
  --data '{
    "merchantId": "4000000",
    "operator": "10001",
    "msisdn": "1812345678",
    "amount": "20.00",
    "userKey": "order-22223452",
    "successUrl": "https://merchant.example/success",
    "failureUrl": "https://merchant.example/failure",
    "productReference": "Top-up"
  }'

Response

{
  "status": "0037",
  "message": "Transaction-Pending",
  "merchantId": "4000000",
  "userKey": "order-22223452",
  "msisdn": "1812345678",
  "amount": "20.00",
  "transactionId": "110647",
  "payment_url": "https://sandbox.simpaisa.com/payins-redirect/110647/530818005517471744"
}

Bangladesh — Nagad

Same request as bKash; set operatorId header and body operator to 10002.

Nepal — Khalti

curl --location 'https://sandbox.simpaisa.com/payins/payments/initiate' \
  --header 'api-token: YOUR_API_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'mode: payin' \
  --header 'region: NP' \
  --header 'operatorId: 100025' \
  --header 'version: 3.0' \
  --data '{
    "merchantId": "2000150",
    "operatorId": "100025",
    "msisdn": "9865806257",
    "amount": "10",
    "userKey": "sample-order-001",
    "successUrl": "https://merchant.example/success",
    "failureUrl": "https://merchant.example/failure",
    "productReference": "test1",
    "currencyCode": "NPR",
    "transactionType": "0",
    "platform": "0"
  }'

Egypt — Paymob

curl --location 'https://sandbox.simpaisa.com/payins/payments/initiate' \
  --header 'api-token: YOUR_API_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'mode: payin' \
  --header 'region: EG' \
  --header 'operatorId: 100026' \
  --header 'version: 3.0' \
  --data '{
    "merchantId": "2000150",
    "operatorId": "100026",
    "msisdn": "1012345678",
    "amount": "10",
    "userKey": "sample-order-001",
    "successUrl": "https://merchant.example/success",
    "failureUrl": "https://merchant.example/failure",
    "productReference": "test1",
    "currencyCode": "EGP",
    "transactionType": "0",
    "platform": "0"
  }'

Iraq — ZainCash

curl --location 'https://sandbox.simpaisa.com/payins/payments/initiate' \
  --header 'api-token: YOUR_API_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'mode: payin' \
  --header 'region: IQ' \
  --header 'operatorId: 100027' \
  --header 'version: 3.0' \
  --data '{
    "merchantId": "6000001",
    "operatorId": "100027",
    "msisdn": "7901234567",
    "amount": "10",
    "userKey": "sample-order-001",
    "successUrl": "https://merchant.example/success",
    "failureUrl": "https://merchant.example/failure",
    "productReference": "test1",
    "currencyCode": "IQD",
    "transactionType": "0"
  }'

---

Operator Use Cases

Operator	Region	Details
bKash	BD	Use case: bKash
Nagad	BD	Use case: Nagad
Khalti	NP	Use case: Khalti
Paymob	EG	Use case: Paymob
ZainCash	IQ	Use case: ZainCash

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Related

• Inquire Payment — confirm final status after redirect
• Overview — flow diagram and regional table
• Status codes