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This reference documents every endpoint reachable with a merchant API key and its scopes. All endpoints are served under /merchant/api on the base URL.
Except POST /merchant/api/auth and GET /merchant/api/status, every endpoint requires an Authorization: Bearer <token> header with the matching scope. See Authentication.
Pick an endpoint from the sidebar to see its parameters, request body, and response schema, or start with these:

Generate a token

Exchange your API key + secret for a scoped Bearer token.

Collect a payment

Initiate a mobile-money collection from a customer.