Make payment

POST /isw/payments/pay
```http

Processes a payment transaction using validated customer information. This endpoint should be called after successfully validating customer details using the validation endpoint.

## Authentication

This endpoint requires authentication. Include your API credentials in the request headers.

## Request body

<ParamField body="requestReference" type="string" required>
  Unique reference for this payment request
</ParamField>

<ParamField body="amount" type="number" required>
  Payment amount
</ParamField>

<ParamField body="customerId" type="string" required>
  Unique identifier for the customer
</ParamField>

<ParamField body="phoneNumber" type="string" required>
  Customer's phone number
</ParamField>

<ParamField body="paymentCode" type="number" required>
  Code identifying the payment type or biller
</ParamField>

<ParamField body="customerName" type="string">
  Full name of the customer
</ParamField>

<ParamField body="currencyCode" type="string">
  ISO currency code (e.g., USD, UGX)
</ParamField>

<ParamField body="sourceOfFunds" type="string">
  Source from which funds will be debited
</ParamField>

<ParamField body="narration" type="string">
  Description or notes for the transaction
</ParamField>

<ParamField body="depositorName" type="string">
  Name of the person making the deposit
</ParamField>

<ParamField body="location" type="string">
  Geographic location of the transaction
</ParamField>

<ParamField body="alternateCustomerId" type="string">
  Alternative customer identifier
</ParamField>

<ParamField body="transactionCode" type="string">
  Code for the specific transaction
</ParamField>

<ParamField body="customerToken" type="string">
  Token for customer authentication or identification
</ParamField>

<ParamField body="additionalData" type="string">
  Any additional data required for the transaction
</ParamField>

<ParamField body="collectionsAccountNumber" type="string">
  Account number where funds will be collected
</ParamField>

<ParamField body="pin" type="string">
  Customer PIN for authorization
</ParamField>

<ParamField body="otp" type="string">
  One-time password for transaction verification
</ParamField>

<ParamField body="terminalId" type="string">
  Identifier for the terminal processing the transaction
</ParamField>

<ParamField body="IIN" type="string">
  Issuer Identification Number
</ParamField>

<ParamField body="gprsCoordinate" type="string">
  GPS coordinates of the transaction location
</ParamField>

<ParamField body="cardData" type="object">
  Card information for card-based transactions
  
  <ParamField body="cardData.pan" type="string">
    Primary Account Number (card number)
  </ParamField>
  
  <ParamField body="cardData.expiryDate" type="string">
    Card expiration date
  </ParamField>
  
  <ParamField body="cardData.track2" type="string">
    Track 2 data from card magnetic stripe
  </ParamField>
  
  <ParamField body="cardData.pinBlock" type="string">
    Encrypted PIN block
  </ParamField>
  
  <ParamField body="cardData.cvmResults" type="string">
    Cardholder Verification Method results
  </ParamField>
  
  <ParamField body="cardData.issuer" type="string">
    Card issuing institution
  </ParamField>
  
  <ParamField body="cardData.accountType" type="string">
    Type of account (savings, current, etc.)
  </ParamField>
  
  <ParamField body="cardData.posEntryMode" type="string">
    Point of sale entry mode
  </ParamField>
  
  <ParamField body="cardData.posDataCode" type="string">
    Point of sale data code
  </ParamField>
  
  <ParamField body="cardData.posConditionCode" type="string">
    Point of sale condition code
  </ParamField>
  
  <ParamField body="cardData.cryptogram" type="string">
    EMV cryptogram for chip card transactions
  </ParamField>
  
  <ParamField body="cardData.applicationInterchangeProfile" type="string">
    Application Interchange Profile from EMV chip
  </ParamField>
  
  <ParamField body="cardData.terminalVerificationResult" type="string">
    Terminal Verification Result from EMV transaction
  </ParamField>
</ParamField>

## Response

Returns a JSON string containing the payment transaction result.

<ResponseField name="responseCode" type="string">
  Code indicating the transaction result
</ResponseField>

<ResponseField name="responseMessage" type="string">
  Message describing the transaction outcome
</ResponseField>

<ResponseField name="transactionReference" type="string">
  Unique reference assigned to the completed transaction
</ResponseField>

<ResponseField name="amount" type="number">
  Amount that was processed
</ResponseField>

## Example

```bash
curl -X POST https://api.example.com/isw/payments/pay \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -d '{
    "requestReference": "038938738738",
    "amount": 100.00,
    "customerId": "12345",
    "phoneNumber": "987-654-3210",
    "paymentCode": 56789,
    "customerName": "Alice Smith",
    "sourceOfFunds": "Bank Account",
    "narration": "Payment for order",
    "depositorName": "Bob Johnson",
    "location": "City XYZ",
    "currencyCode": "USD",
    "pin": "1234",
    "otp": "567890"
  }'
```http