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# Créer une session de paiement hosted-checkout
curl https://api.cowemapay.com/v1/checkout/sessions \
  -u sk_live_••••: \
  -d amount=5000 \
  -d currency=XAF \
  -d method=momo.mtn \
  -d customer_phone="+24206…" \
  -d success_url="https://marie.cg/ok"

# Réponse · 184ms
{
  "id":        "cs_3K2pX9z",
  "status":    "awaiting_pin",
  "url":       "https://pay.cowema.org/cs_3K2pX9z",
  "expires_at": 1715812938,
  "livemode":  true
}

// Node 18+ · fetch natif, aucun SDK requis
const auth = Buffer.from('sk_live_••••:').toString('base64');

const res = await fetch(
  'https://api.cowemapay.com/v1/checkout/sessions',
  {
    method: 'POST',
    headers: {
      'Authorization': `Basic ${auth}`,
      'Content-Type': 'application/x-www-form-urlencoded',
    },
    body: new URLSearchParams({
      amount: '5000',
      currency: 'XAF',
      method: 'momo.mtn',
      customer_phone: '+24206…',
    }),
  }
);
const session = await res.json();

// PHP · curl natif, aucun SDK requis
$ch = curl_init('https://api.cowemapay.com/v1/checkout/sessions');
curl_setopt_array($ch, [
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_USERPWD        => 'sk_live_••••:',
  CURLOPT_POST           => true,
  CURLOPT_POSTFIELDS     => http_build_query([
    'amount'         => 5000,
    'currency'       => 'XAF',
    'method'         => 'momo.mtn',
    'customer_phone' => '+24206…',
  ]),
]);
$session = json_decode(curl_exec($ch));

# Python · requests
import requests

res = requests.post(
    'https://api.cowemapay.com/v1/checkout/sessions',
    auth=('sk_live_••••', ''),
    data={
        'amount': 5000,
        'currency': 'XAF',
        'method': 'momo.mtn',
        'customer_phone': '+24206…',
    },
)
session = res.json()