Checkout

Create a payment intent — Bankrail allocates a virtual account and returns a tracking ID and a hosted-checkout token.

Checkout is how you collect a one-off payment. You create a payment intent; Bankrail allocates a virtual account for it and returns a stable tracking ID plus a checkout token your customer's browser carries into the hosted checkout page.

Create a payment intent

curl -X POST https://api.posteering.com/api/v1/bankrail/payment/intent \
  -H "Content-Type: application/json" \
  # ... HMAC signing headers ...
  -d '{
    "reference": "your-order-ref",
    "amountKobo": 1500000,
    "currency": "NGN",
    "callbackUrl": "https://your-service.example/webhooks/bankrail/credit"
  }'

The response carries a stable tracking ID and a checkout token. Hand the token to your customer's browser to load the hosted checkout page; when the customer pays, the credit fires a callback to your callbackUrl.

Intents vs virtual accounts

A payment intent is for a single expected payment with its own tracking ID. A virtual account is persistent and receives many credits over time. Choose by whether you're collecting once or continuously.

Reconciling

When the credit lands, the callback confirms it. For a BRR-bearing intent, the callback body carries the brr you reconcile against — see BRR.

Callbacks — handling the credit notification.
Outbound Transfers — moving funds out.

Create a payment intent

Reconciling

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