The REST API for African Mobile Money.

# Create a hosted-checkout payment session
curl https://api.cowemapay.com/v1/checkout/sessions \
  -u sk_live_••••: \
  -H "Idempotency-Key: $(uuidgen)" \
  -d amount=5000 \
  -d currency=XAF \
  -d method=momo.mtn \
  -d customer_phone="+24206…" \
  -d success_url="https://marie.cg/ok" \
  -d cancel_url="https://marie.cg/nope"

# Response · 184ms
{
  "id":        "cs_3K2pX9z",
  "status":    "awaiting_pin",
  "url":       "https://pay.cowemapay.com/cs_3K2pX9z",
  "expires_at": 1715812938,
  "livemode":  true
}

// Node 18+ · native fetch, no SDK required
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}`,
      'Idempotency-Key': crypto.randomUUID(),
      '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 · native curl, no SDK required
$ch = curl_init('https://api.cowemapay.com/v1/checkout/sessions');
curl_setopt_array($ch, [
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_USERPWD        => 'sk_live_••••:',
  CURLOPT_HTTPHEADER     => ['Idempotency-Key: ' . uniqid()],
  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, uuid

res = requests.post(
    'https://api.cowemapay.com/v1/checkout/sessions',
    auth=('sk_live_••••', ''),
    headers={'Idempotency-Key': str(uuid.uuid4())},
    data={
        'amount': 5000,
        'currency': 'XAF',
        'method': 'momo.mtn',
        'customer_phone': '+24206…',
    },
)
session = res.json()

// Go · native net/http
package main

import (
    "net/http"
    "net/url"
    "strings"
)

func createSession() (*http.Response, error) {
    data := url.Values{}
    data.Set("amount", "5000")
    data.Set("method", "momo.mtn")

    req, _ := http.NewRequest("POST",
      "https://api.cowemapay.com/v1/checkout/sessions",
      strings.NewReader(data.Encode()))
    req.SetBasicAuth("sk_live_••••", "")
    return http.DefaultClient.Do(req)
}