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POST
/
payments
/
authorize
cURL
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"
  }
}
'
{
  "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",
  "customer": {
    "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "email": "[email protected]"
  },
  "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"
  }
}

Authorizations

​
Authorization
string
header
required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json
​
reference
string
required

Specify a unique reference ID generated by your company to identify each customer.

Example:

"string"

​
authorization
object
required

A confidential or secret code required to authenticate and verify identity for card transactions.

Response

A JSON array of authorize payment objects.

​
id
string<uuid>
Example:

"3fa85f64-5717-4562-b3fc-2c963f66afa6"

​
reference
string
Example:

"REF123456789"

​
spotflowReference
string
Example:

"SPF-REF-001"

​
amount
number
Example:

100

​
currency
string
Example:

"USD"

​
localAmount
number
Example:

156000

​
totalFees
number
Example:

500

​
localCurrency
string
Example:

"NGN"

​
channel
string
Example:

"card"

​
status
string
Example:

"SUCCESS"

​
customer
object
​
providerMessage
string
Example:

"Please enter your OTP sent to your phone"

​
rate
number
Example:

1560

​
region
string
Example:

"Nigeria"

​
authorization
object
​
card
object
​
createdAt
string<date-time>
Example:

"2025-10-17T15:21:11.287Z"

​
metadata
object
Example:
{
  "orderId": "ORD-000123",
  "note": "First payment"
}