{
  "name": "Monnify Initialize Transaction",
  "description": "POST /api/v1/merchant/transactions/init-transaction request and response example.",
  "request": {
    "method": "POST",
    "url": "https://api.monnify.com/api/v1/merchant/transactions/init-transaction",
    "headers": {
      "Authorization": "Bearer eyJhbGciOiJIUzUxMiJ9.example",
      "Content-Type": "application/json"
    },
    "body": {
      "amount": 4500.50,
      "customerName": "Adaeze Okafor",
      "customerEmail": "adaeze@example.ng",
      "paymentReference": "ORD-2026-05-24-0001",
      "paymentDescription": "Order 0001 — Lagos delivery",
      "contractCode": "100693834652",
      "currencyCode": "NGN",
      "redirectUrl": "https://merchant.example.ng/payments/success",
      "paymentMethods": ["CARD", "ACCOUNT_TRANSFER", "USSD"],
      "metaData": {
        "orderId": "ORD-2026-05-24-0001",
        "channel": "web"
      }
    }
  },
  "response": {
    "status": 200,
    "body": {
      "requestSuccessful": true,
      "responseMessage": "success",
      "responseCode": "0",
      "responseBody": {
        "transactionReference": "MNFY|20260524|001|0000123",
        "paymentReference": "ORD-2026-05-24-0001",
        "merchantName": "Example Retail Limited",
        "apiKey": "MK_PROD_XYZ",
        "redirectUrl": "https://merchant.example.ng/payments/success",
        "enabledPaymentMethod": ["CARD", "ACCOUNT_TRANSFER", "USSD"],
        "checkoutUrl": "https://sandbox.sdk.monnify.com/checkout/MNFY%7C20260524%7C001%7C0000123",
        "amount": 4500.50,
        "currencyCode": "NGN",
        "paymentStatus": "PENDING"
      }
    }
  }
}