curl https://dropme.cm/api/v1/payments/mobile-money/initiate \
  -H "Authorization: Bearer dm_live_your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{"phone":"237670000000","amount":5000,"provider":"MTN_MOMO_CMR","currency":"XAF","country":"CMR","callbackUrl":"https://yourapp.com/webhooks/payment"}'

{
  "depositId": "3e4fc1a0-8b2d-4f5a-9c1e-7a6b8d0e2f3c",
  "status": "PENDING",
  "externalReference": "order_abc123",
  "message": "Payment initiated. You will receive a callback when complete."
}

const axios = require('axios');

const DROPME_KEY = 'dm_live_your_api_key_here';
const BASE_URL   = 'https://dropme.cm';

async function initiatePayment({ phone, amount, provider, reference, callbackUrl }) {
  const { data } = await axios.post(
    `${BASE_URL}/api/v1/payments/mobile-money/initiate`,
    {
      phone,
      amount,
      currency: 'XAF',
      country: 'CMR',
      provider,            // e.g. 'MTN_MOMO_CMR' or 'ORANGE_CMR'
      externalReference: reference,
      callbackUrl,
    },
    { headers: { Authorization: `Bearer ${DROPME_KEY}` } }
  );
  return data; // { depositId, status: 'PENDING', externalReference }
}

// Usage
initiatePayment({
  phone: '237670000000',
  amount: 5000,
  provider: 'MTN_MOMO_CMR',
  reference: 'order_abc123',
  callbackUrl: 'https://yourapp.com/webhooks/payment',
}).then(console.log);

{
  "payment": {
    "id": "...",
    "deposit_id": "3e4fc1a0-8b2d-4f5a-9c1e-7a6b8d0e2f3c",
    "external_reference": "order_abc123",
    "phone": "237670000000",
    "provider": "MTN_MOMO_CMR",
    "amount": "5000",
    "currency": "XAF",
    "status": "COMPLETED",
    "callback_status": "delivered",
    "created_at": "2025-06-15T07:00:00.000Z",
    "updated_at": "2025-06-15T07:02:14.000Z"
  }
}

async function checkPayment(depositId) {
  const { data } = await axios.get(
    `${BASE_URL}/api/v1/payments/mobile-money/${depositId}`,
    { headers: { Authorization: `Bearer ${DROPME_KEY}` } }
  );
  return data.payment; // { depositId, status, amount, currency, phone, ... }
}

const payment = await checkPayment('3e4fc1a0-...');
if (payment.status === 'COMPLETED') {
  // Fulfil order
}

{
  "depositId": "3e4fc1a0-8b2d-4f5a-9c1e-7a6b8d0e2f3c",
  "status": "COMPLETED",          // or FAILED, CANCELED, TIMEOUT, REJECTED
  "amount": "5000",
  "currency": "XAF",
  "providerTransactionId": "PP-...",  // PawaPay reference, may be null on failure
  "payer": { "type": "MSISDN", "address": { "value": "237670000000" } },
  "timestamp": "2025-06-15T07:02:14.000Z"
}

// Express.js webhook handler
const express = require('express');
const app = express();
app.use(express.json());

app.post('/webhooks/payment', (req, res) => {
  // Always respond 200 immediately — retries use exponential backoff
  res.status(200).json({ received: true });

  const { depositId, status, amount, currency, externalReference } = req.body;

  if (status === 'COMPLETED') {
    // Fulfil the order or credit the user
    fulfillOrder(externalReference, { depositId, amount, currency });

  } else if (['FAILED', 'CANCELED', 'TIMEOUT', 'REJECTED'].includes(status)) {
    // Notify the user and release any holds
    handleFailedPayment(externalReference, status);
  }
  // 'PENDING' callbacks are NOT sent — only terminal statuses are delivered
});

app.listen(3000);

{
  "error": "Human-readable error message"
}