Accepting Payments with 100Pay

100Pay gives you multiple ways to collect money from customers—choose the one that fits your workflow.

Payment methods at a glance

| Method | Best for | Setup time | |---|---|---| | 100Pay Checkout (SDK) | Developers embedding payments into websites/apps | ~30 minutes | | Payment Links | Quick, no-code payment pages | ~2 minutes | | Invoice | Billing specific customers | ~5 minutes | | QR Codes | Physical locations, POS | ~2 minutes |

---

100Pay Checkout SDK

The @100pay-hq/checkout npm package lets you embed a hosted payment modal directly in your website or app.

Install

npm install @100pay-hq/checkout

Basic usage

import { Checkout } from "@100pay-hq/checkout";

const pay = new Checkout({
  business_id: "YOUR_BUSINESS_ID",
  api_key: "YOUR_API_KEY",
  amount: 5000,           // amount in kobo / smallest unit
  currency: "NGN",
  customer: {
    name: "Jane Doe",
    email: "[email protected]",
  },
  onSuccess: (reference) => {
    // Verify on your server before crediting the user
    console.log("Payment reference:", reference);
  },
  onClose: () => console.log("Checkout closed"),
});

pay.open();

Important: Always verify payments on your server by calling the 100Pay verification API before crediting your customer.

Verifying a payment

After onSuccess fires, call your backend, which should hit:

GET https://api.100pay.co/api/v1/pay/charge/:reference

Or listen for the charge.success webhook event.

---

Payment Links

Create a shareable payment link from the dashboard in seconds:

1. Go to Business → Payment Links → Create New.
2. Enter the amount, currency, and an optional description.
3. Set an optional expiry date or maximum uses.
4. Copy the generated link and share it via email, WhatsApp, or social media.

Customers click the link, choose their payment method, and pay. Funds settle to your Checkout Balance.

---

Invoices

Send itemised invoices to specific customers:

1. Go to Business → Invoices → New Invoice.
2. Add your customer (or create a new one under Customers).
3. Add line items with descriptions and amounts.
4. Set a due date.
5. Click Send Invoice — your customer receives an email with a pay-now link.

---

QR Codes

Generate a QR code that links to your checkout page:

1. Go to Business → QR Codes.
2. Define the amount and currency (or leave open for the customer to enter).
3. Download or print the QR code.

Customers scan the code, land on your 100Pay checkout page, and pay using any supported asset. Funds settle instantly to NGN in your Checkout Balance.

---

Tracking payments

All inbound payments appear in Business → Transactions, showing:

• Reference number
• Payment date and time
• Amount in NGN and the crypto/fiat asset used
• Status (confirmed, pending, failed)

You can export transaction data as CSV for reconciliation.