{
    "id": null,
    "status": "pending",
    "amount": {
        "currency": null,
        "value": null
    },
    "channel": {
        "type": "bank"
    },
    "name": null,
    "reference": null,
    "orderNumber": null,
    "financialAccountId": null,
    "financialTransactionReference": null,
    "fees": [],
    "createTime": null,
    "updateTime": null,
    "ownershipGraph": {
        "owner": {
            "id": null,
            "type": null,
            "metadata": null,
            "": null
        }
    },
    "metadata": null
}
A Payment represents a customer payment made through Monime’s platform.
It captures high-level information about the user-initiated payment, including the amount, status, channel (e.g., Mobile Money, Card, Bank), associated order, fees applied, and links to downstream financial transactions. The Payment is a business object — the single record developers and merchants interact with when tracking or reconciling user payments.
It should not be confused with Financial Transactions, which are lower-level, fine-grained ledger entries.
In fact, one Payment usually generates multiple Financial Transactions — for example:
  • A credit of the received funds into the merchant’s account.
  • One or more debits representing platform charges or processing fees.
{
    "id": null,
    "status": "pending",
    "amount": {
        "currency": null,
        "value": null
    },
    "channel": {
        "type": "bank"
    },
    "name": null,
    "reference": null,
    "orderNumber": null,
    "financialAccountId": null,
    "financialTransactionReference": null,
    "fees": [],
    "createTime": null,
    "updateTime": null,
    "ownershipGraph": {
        "owner": {
            "id": null,
            "type": null,
            "metadata": null,
            "": null
        }
    },
    "metadata": null
}
​
📋
Properties
​
id
string
Unique identifier for the payment object.
​
status
enum<string>
Current status of the payment. Can be one of:
  • pending: Created but not yet processed.
  • processing: Payment is currently being processed.
  • completed: Payment was successfully completed.
Available options: pending processing completed
​
amount
object
Total payment amount requested from the payer.
​
channel
object
Payment channel details (e.g., Mobile Money, Bank, Card) used to complete this payment.
​
name
string
Optional label for identifying or grouping the payment. Useful in dashboards or reporting tools.
​
reference
string
External reference to associate this payment with a system outside Monime (e.g., an order ID or invoice number).
​
orderNumber
string
Monime Order Number — internal order identifier associated with this payment. Used to track payments initiated from an embedded commerce or checkout session.
​
financialAccountId
string
ID of the destination financial account where the funds will be credited after a successful payment.
​
financialTransactionReference
string
Reference to the resulting financial transaction(s), if the payment was successful.
​
fees
array
List of applied fees associated with this payment, such as platform or processing fees.
​
createTime
string
Timestamp indicating when the payment was created.
​
updateTime
string
Timestamp indicating when the payment was last updated.
​
ownershipGraph
object
Ownership chain showing how this payment was initiated — enabling full audit traceability.
​
metadata
object
Custom metadata attached to the payment