Merchant API

Integrate payment gateway into your application with our comprehensive RESTful API. Accept payments from wallets, cards, and multiple payment methods with enterprise-grade security.

Authentication

This API uses API keys to authenticate requests. You can obtain your credentials from your merchant dashboard.

Required Credentials

Quick Start

Get up and running with Our API in just a few steps:

Initiate Payment

Create a new payment request and get a secure checkout URL for your customer. This endpoint works in both sandbox and production environments based on your X-Environment header.

Gateway Available

Request Parameters

Code Examples

     <?php
    $parameters = [
        'identifier' => 'DFU80XZIKS',
        'currency' => 'USD',
        'amount' => 100.00,
        'details' => 'Purchase T-shirt',
        'gateway_id' => 128,
        'ipn_url' => 'http://example.com/ipn_url.php',
        'cancel_url' => 'http://example.com/cancel_url.php',
        'success_url' => 'http://example.com/success_url.php',
        'public_key' => 'your_public_key',
        'site_logo' => 'https://targetgrowths.com/assets/images/logo_icon/logo.png',
        'checkout_theme' => 'dark',
        'customer_name' => 'John Doe',
        'customer_email' => 'john@mail.com',

    ];

    //live end point
    $url = "https://targetgrowths.com/payment/initiate";

    //test end point
    $url = "https://targetgrowths.com/sandbox/payment/initiate";

    $ch = curl_init();
    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, false);
    curl_setopt($ch, CURLOPT_URL, $url);
    curl_setopt($ch, CURLOPT_POSTFIELDS,  $parameters);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
    $result = curl_exec($ch);
    curl_close($ch);

    //$result contains the response back.
?>
                

Success Response

{
    //Success Response.
{
    "success": "ok",
    "message": "Payment Initiated. Redirect to url.",
    "url":"https://targetgrowths.com/initiate/payment/checkout?payment_id=eJSAASDxdrt4DASDASVNASJA7893232432cvmdsamnvASF"
}
}

Error Response

//Error Response.
{
    "error": "true",
    "message": "Invalid api key"
}

Transfer Payment

Create a new payout request. This endpoint works in both sandbox and production environments based on your X-Environment header.

Request Parameters

Bank List Parameters

Code Examples

<?php
$parameters = [
        'identifier' => 'DFU80XZIKjhiiS',
        'currency' => 'NGN',
        'amount' => 600.04,
        'gateway_id' => 124, // Make sure to use the gateway id you use to receive payment
        'bank_id' => 'NGR20009',
        'ipn_url' => 'http://example.com/ipn_url.php',
        'public_key' => 'wjy6jzu7724my5kjhy27e',
        'recipient' => '1234567890',
        'account_name' => 'James DOE',
        'customer_email' => 'john@mail.com',

    ];

    //live end point
    $url = "https://targetgrowths.com/payment/transfer";

    //test end point
    // $url = "https://targetgrowths.com/sandbox/payment/initiate";

    $ch = curl_init();
    curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, false);
    curl_setopt($ch, CURLOPT_URL, $url);
    curl_setopt($ch, CURLOPT_POSTFIELDS,  $parameters);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
    $result = curl_exec($ch);

           echo $result; exit;  

Success Response

{
  "success": true,
  "message": "Payout initiated successfully",
  "data": {
    "ref_trx": "ORDER_12345",
    "payment_amount": "250.00",
    "currency_code": "USD",
    "environment": "production"
  }
}

Error Response

{
  "success": false,
  "message": "Validation failed",
  "errors": {
    "payment_amount": ["The payment amount field is required."],
    "currency_code": ["The currency code field is required."]
  }
}

Verify Payment

Verify the status of a payment using the transaction ID returned from the payment initiation.

Path Parameters

Code Examples

<?php
   
    //live end point
    $secretKey = "SEC_KEY_GOES_HERE";
    $identifier = "DFUa80nXZ6sIKuS1q"; 
    $url = https://targetgrowths.com/verify/payment/DFUa80nXZ6sIKuS1q/?secret_key=" . urlencode($secretKey);

    //test end point
    $url = https://targetgrowths.com/sandbox/verify/payment/DFUa80nXZ6sIKuS1q/?secret_key=" . urlencode($secretKey);

    $ch = curl_init();
    curl_setopt($ch, CURLOPT_URL, $url);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
    curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, false);
    
    $response = curl_exec($ch);
    curl_close($ch);

    $result = json_decode($response, true);
    
    // return $response;

Success Response

{
  "status": "success",
  "message": "Payment status verified successfully.",
  "data": {
    "identifier": "DFUa80nXZ6sIKuaS1q",
    "transaction_ref": "TLDHQJC8OR75",
    "amount": 600,
    "currency": "NGN",
    "charge": 51,
    "final_amount": 651,
    "customer_name": "John Doe",
    "customer_email": "john@mail.com",
    "payment_status": "success",
    "environment": "test",
    "created_at": "2026-05-26T14:03:01+00:00"
  }
}

Reject/Canceled Transaction Response

{
  "status": "success",
  "message": "Payment status verified successfully.",
  "data": {
    "identifier": "DFU80XZIKS",
    "transaction_ref": "PDM8MJ431NFI",
    "amount": 600,
    "currency": "NGN",
    "charge": 170,
    "final_amount": 2170,
    "customer_name": "",
    "customer_email": "",
    "payment_status": "rejected",
    "environment": "live",
    "created_at": "2026-05-25T15:09:27+00:00"
  }
}

Pending Transaction Response

{
  "status": "success",
  "message": "Payment status verified successfully.",
  "data": {
    "identifier": "DFUa80XZIKS1",
    "transaction_ref": "TR8R4FCVDK73",
    "amount": 600,
    "currency": "NGN",
    "charge": 51,
    "final_amount": 651,
    "customer_name": "John Doe",
    "customer_email": "john@mail.com",
    "payment_status": "initiated",
    "environment": "live",
    "created_at": "2026-05-25T21:20:16+00:00"
  }
}

Payment Status Values

Webhooks (IPN)

We sends real-time notifications to your specified IPN URL when payment status changes. This ensures you're immediately notified of payment completions, failures, and other status updates. Webhooks work identically in both sandbox and production environments.

Webhook Parameters

Webhook Payload

All webhook payloads include environment information to help you differentiate between sandbox and production transactions:

<?php
    //Receive the response parameter
    $status = $_POST['status'];
    $signature = $_POST['signature'];
    $identifier = $_POST['identifier'];
    $data = $_POST['data'];

    // Generate your signature
    $customKey = $data['amount'].$identifier;
    $secret = 'YOUR_SECRET_KEY';
    $mySignature = strtoupper(hash_hmac('sha256', $customKey , $secret));

    $myIdentifier = 'YOUR_GIVEN_IDENTIFIER';

    if($status == "success" && $signature == $mySignature &&  $identifier ==  $myIdentifier){
        //your operation logic
    }
?>

WooCommerce Integration

Complete integration guide for Our payment gateway with WooCommerce. Follow best practices for secure and reliable payment processing.

Interactive API Testing

Test API endpoints directly from this documentation. Use the demo credentials below for sandbox testing.

Error Codes

Our API uses conventional HTTP response codes to indicate the success or failure of API requests.

HTTP Status Codes

Support

Get help with your integration from our support team and developer resources.