📄️ Payment Intent Overview
The Payment Intent in Modem Pay’s H2H integration is a structured request representing an intention to process a payment. It allows partners to define the payment details, associated metadata, and optional direct charge information. Payment Intents provide flexibility for both regular payment flows and direct charges when specific account information is available.
📄️ Direct Charge
The Direct Charge feature in Modem Pay’s H2H integration allows you to immediately initiate a payment on a specified mobile money account. By providing network and account_number in your HostIntent, Modem Pay can attempt to process the transaction without requiring a hosted checkout or customer interaction for supported networks.
📄️ Manual Charge
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.
📄️ Confirm Charge
Once a Direct Charge is initiated, some networks may require additional authorization from the customer before the payment can be completed. Modem Pay provides endpoints to confirm these charges depending on the auth_mode returned in the payment response.
📄️ 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.