Payment Intent Overview
Every payment in the H2H API starts with a payment intent. You create one by calling the same endpoint every time. What happens next depends on what you send.
Direct Charge
Direct Charge lets you collect a mobile money payment from your own app or website. You build the payment screen. Modem Pay handles the networks.
Confirm Charge
After you create a direct charge, some networks need one more call from you before the payment can finish. This page is the reference for those calls.
Standard
Modem Pay allows partners to create a Payment Intent first and manually trigger a charge later. This provides flexibility for workflows where payment details are known in advance but the actual charge may occur at a later point.
Cancelling a Payment Intent
Modem Pay allows partners to cancel a Payment Intent that has not yet been fully processed or charged. This can be used to stop a payment that is no longer needed or was created by mistake.
Restoring a Payment Intent
In some cases, users might not complete their payment before the Payment Intent expires, perhaps due to not confirming the payment in time, losing the confirmation, or abandoning the checkout flow. If you were to simply ask the user to try again, this would create a new Payment Intent, which can result in many abandoned or duplicate transactions in your records.