curl --request POST \
  --url https://api.spotflow.co/api/v1/payments/authorize \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "reference": "string",
  "authorization": {
    "otp": "0xxx",
    "pin": "01xx"
  }
}
'

import requests

url = "https://api.spotflow.co/api/v1/payments/authorize"

payload = {
    "reference": "string",
    "authorization": {
        "otp": "0xxx",
        "pin": "01xx"
    }
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({reference: 'string', authorization: {otp: '0xxx', pin: '01xx'}})
};

fetch('https://api.spotflow.co/api/v1/payments/authorize', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.spotflow.co/api/v1/payments/authorize",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'reference' => 'string',
    'authorization' => [
        'otp' => '0xxx',
        'pin' => '01xx'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.spotflow.co/api/v1/payments/authorize"

	payload := strings.NewReader("{\n  \"reference\": \"string\",\n  \"authorization\": {\n    \"otp\": \"0xxx\",\n    \"pin\": \"01xx\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.spotflow.co/api/v1/payments/authorize")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"reference\": \"string\",\n  \"authorization\": {\n    \"otp\": \"0xxx\",\n    \"pin\": \"01xx\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.spotflow.co/api/v1/payments/authorize")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"reference\": \"string\",\n  \"authorization\": {\n    \"otp\": \"0xxx\",\n    \"pin\": \"01xx\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "reference": "REF123456789",
  "spotflowReference": "SPF-REF-001",
  "amount": 100,
  "currency": "USD",
  "localAmount": 156000,
  "totalFees": 500,
  "localCurrency": "NGN",
  "channel": "card",
  "status": "SUCCESS",
  "providerMessage": "Please enter your OTP sent to your phone",
  "rate": 1560,
  "region": "Nigeria",
  "authorization": {
    "mode": "otp"
  },
  "card": {
    "type": "VISA",
    "firstSix": "412345",
    "lastFour": "6789"
  },
  "createdAt": "2025-10-17T15:21:11.287Z",
  "metadata": {
    "orderId": "ORD-000123",
    "note": "First payment"
  }
}

{
  "error": "Missing Parameter",
  "message": "missing_parameter",
  "status": 400
}

{
  "error": "Unauthorized",
  "message": "invalid_credentials",
  "status": 401
}