JazzCash - Purchase 4: with confirmation via an OTP code

When performing a purchase, the customer first enters the OTP code, and then confirms the payment via USSD message or a push notification in the mobile app (depending on the mobile operator) which they receive from the JazzCash service.


Countries and regions	Pakistan
Payment currencies	PKR
Payment amount limits	Contact your key account manager at Monetix for details. Also you can check the payment amount limits in your project by using Dashboard.
Payment processing time	Contact your key account manager at Monetix for details.
Currency conversion	On the Monetix side
Refund
Onboarding and access fee	Contact your key account manager at Monetix for details.

Operations support


	Interfaces
	Payment Page	Gate	Dashboard
Purchase

You can check the payment amount limits in your project by using Dashboard. To check your payment amount limits, go to Dashboard, select the Projects section, and then click the Payment methods tab.

The following sections provide more information about the payment processing flow and the analysis of completed payments.

Purchase by using Payment Page

General information

To perform a purchase by using Payment Page with the JazzCash payment method:

Send a request with all the required parameters and signature to the Monetix URL.
Accept the callback with the purchase result from the payment platform.

The following figure shows the complete purchase processing flow in the JazzCash payment method.

Figure 1. Purchase processing steps for a purchase by using Payment Page

The customer initiates a purchase in your system.
Your system sends the request for the purchase through Payment Page to the Monetix URL.
The checkout page is displayed to the customer.
The customer chooses to make a purchase with the JazzCash payment method.
The payment platform processes the request and forwards it to the JazzCash service.
The mobile network operator service sends a message with the OTP code to the customer.
The checkout page displays the screen for the customer to enter the OTP code.
The customer enters the OTP code.
The payment platform processes the request and forwards it to the JazzCash.
The JazzCash service sends a USSD message or a push notification to the customer to confirm the payment.
The customer completes the purchase.
The JazzCash service sends the purchase result information to the payment platform.
The payment platform sends a callback with the payment result to your system.
The payment platform displays the payment result to the customer on the checkout page.

Request

The following table lists the parameters that you need to include in the request for purchase through the checkout page with the JazzCash payment method.

strictly required—the parameter must be in the initial request.

required—the parameter is required for purchase processing but using it in the initial request is optional. If you don't specify this parameter in your request, the checkout page will contain an additional field for the customer to enter the missing information. For more information on how to act in such cases, see Submission of additional payment information.

optional—the parameter is optional but adding it to the request either makes the payment process more customer-friendly or helps to increase the percentage of successful payments.

Parameter Description

project_id
integer
strictly required

Project ID you obtained from Monetix when integrating.

Example: 1234

payment_id
string
strictly required

Payment ID unique within your project.

Example: payment_47

customer_id
string
strictly required

Unique ID of the customer within your project.

Example: customer_123

customer_first_name
string
strictly required

Customer's first name.

Example: John

customer_last_name
string
strictly required

Customer's last name.

Example: Doe

customer_email
string
strictly required

Customer's email.

Example: johndoe@example.com

account_number
string
required

Customer's mobile phone number linked to the JazzCash e-wallet.

Example: 12345678901

payment_currency
string
strictly required

Code of the payment currency in the ISO-4217 alpha-3 format.

Example: PKR

payment_amount
integer
strictly required

Payment amount in minor currency units without any decimal point or comma except for the cases when the currency doesn't have any minor currency units.

If the currency doesn't have any minor units (i.e. the number of digits for minor currency units is zero), set this parameter to the amount in the major currency units. To check whether the currency has any minor units, see Currency codes.

Example: 100.00 PKR must be sent as 10000

force_payment_method
string
optional

Parameter that allows you to enforce the JazzCash payment method for your customer and skip the page with payment method selections.

To enforce the JazzCash payment method and skip the page with payment method selection, add the force_payment_method parameter to the request and set its value to jazzcash-wallet. For more information about enforcing payment methods, see Preselecting payment methods.

Example: force_payment_method: 'jazzcash-wallet'

signature
string
strictly required

Signature created after you've specified all the request parameters. For more information about signature generation, see Signature generation and verification.

You can also add any other optional parameters to the request, if necessary. For the list of all the parameters possible in requests to Payment Page, see Payment Page invocation parameters.

Here is an example of the data from a request to open the checkout page by using EPayWidget:

EPayWidget.run(
	{
		project_id: 1234,
		payment_id: 'payment_47',
		customer_id: 'customer_123',
		customer_first_name: 'John',
		customer_last_name: 'Doe',
		customer_email: 'johndoe@example.com',
		account_number: '12345678901',
		payment_currency: 'PKR',
		payment_amount: 10000,
		force_payment_method: 'jazzcash-wallet',
		signature: 'kUi2x9dKHAVNU0FYldJrxh4yo+52Kt8KU+Y19vySO/RLUkDJrOcZzUCwX6R/ekpZhkIQg=='
	}
)

Callback

In the JazzCash payment method, the payment platform returns the purchase result in a callback. For the information about the callback structure, see Callbacks in Payment Page.

The following is an example of a callback body with information about a successfully completed purchase.

Figure 2. Example of the data from a successful purchase callback

{
    "project_id": 1234,
    "payment": {
        "id": "payment_47",
        "type": "purchase",
        "status": "success",
        "date": "2024-12-07T19:08:45+0000",
        "method": "jazzcash",
        "sum": {
            "amount": 10000,
            "currency": "PKR"
        },
        "description": ""
    },
    "customer": {
        "id": "customer_123"
    },
    "operation": {
        "id": 47,
        "type": "sale",
        "status": "success",
        "date": "2024-12-07T19:08:45+0000",
        "created_date": "2024-12-07T19:08:05+0000",
        "request_id": "1a23456bc7890de",
        "sum_initial": {
            "amount": 10000,
            "currency": "PKR"
        },
        "sum_converted": {
            "amount": 10000,
            "currency": "PKR"
        },
        "code": "0",
        "message": "Success",
        "provider": {
            "id": 12345,
            "payment_id": "123abc123-123",
            "auth_code": ""
        }
    },
    "account": {
        "number": "12345678900"
    },
    "signature": "U7HQO7ToISZhMPKdM4XrUKQtoYzFvoB3cs9CRd4xeYG2Q=="
}

The following is an example of a callback for a declined purchase.

Figure 3. Example of the data from a declined purchase callback

{
    "project_id": 1234,
    "payment": {
        "id": "payment_47",
        "type": "purchase",
        "status": "decline",
        "date": "2024-12-07T19:08:45+0000",
        "method": "jazzcash",
        "sum": {
            "amount": 10000,
            "currency": "PKR"
        },
        "description": ""
    },
    "customer": {
        "id": "customer_123"
    },
    "operation": {
        "id": 47,
        "type": "sale",
        "status": "decline",
        "date": "2024-12-07T19:08:45+0000",
        "created_date": "2024-12-07T19:08:05+0000",
        "request_id": "1a23456bc7890de",
        "sum_initial": {
            "amount": 10000,
            "currency": "PKR"
        },
        "sum_converted": {
            "amount": 10000,
            "currency": "PKR"
        },
        "code": "20000",
        "message": "General decline",
        "provider": {
            "id": 12345,
            "payment_id": "123abc123-123",
            "auth_code": ""
        }
    },
    "account": {
        "number": "12345678900"
    },
    "signature": "U7HQO7ToISZhMPKdM4XrUKQtoYzFvoB3cs9CRd4xeYG2Q=="
}

Purchase by using Gate

General information

To perform a purchase by using Gate with the JazzCash payment method:

Send a request with all the required parameters and signature to the Monetix URL.
Receive a callback with the data you're required to submit.
Send a request with the data to the Monetix payment platform.
Accept the callback with the purchase result from the payment platform.

The following figure provides the details of the purchase processing flow in the JazzCash payment method.

Figure 4. Purchase processing flow when performing a purchase by using Gate

The customer initiates a purchase in your system.
Your system sends the purchase request to the Monetix payment platform.
The payment platform sends you a response in which it acknowledges your request and provides the request validation result. (For more information about the response format, see Response structure.)
The payment platform processes the request and forwards it to the JazzCash service.
The mobile network operator service generates the OTP and sends it to the customer in a message.
The payment platform sends your system a callback with the data your system is required to submit.
The customer enters the OTP code in your system.
Your system sends the request with the OTP code to the Monetix payment platform.
The payment platform sends your system the response in which it acknowledges your request and provides the request validation result. (For more information about the response format, see Response structure).
The payment platform forwards the OTP code to the JazzCash.
The JazzCash service sends the USSD message or a push notification to the customer to confirm the payment.
The customer completes the purchase.
The JazzCash service informs the payment platform about the purchase result.
The payment platform sends the callback with the payment result to your system.
Your system sends the payment result to the customer.

Request

This section provides the instructions on how to build the request for purchase with the JazzCash payment method.


HTTP request method	POST
Request body format	JSON
API endpoint	`/v2/payment/wallet/jazzcash/sale`
Full API endpoint specification	/v2/payment/wallet/{payment_method}/sale

strictly required—the parameter must be in the initial request.

required—the parameter is required for purchase processing but using it in the initial request is optional. If you omit this parameter from the request, the payment platform will request the parameter by sending your system a callback with the list of all the missing parameters you are required to submit. For more information on how to act in such cases, see Submission of additional payment information.

Object Parameter Description

general
object
strictly required

project_id
integer
strictly required

Project ID you obtained from Monetix when integrating.

Example: 1234

payment_id
string
strictly required

Payment ID unique within your project.

Example: payment_47

signature
string
strictly required

Signature created after you've specified all the request parameters. For more information about signature generation, see Signature generation and verification.

customer
object
strictly required

id
string
strictly required

Unique ID of the customer within your project.

Example: customer_123

ip_address
string
strictly required

IP address of the customer's device.

Example: 198.51.100.47

first_name
string
strictly required

Customer's first name.

Example: John

last_name
string
strictly required

Customer's last name.

Example: Doe

email
string
strictly required

Customer's email.

Example: johndoe@example.com

account
object
required

number
string
required

Customer's mobile phone number linked to the JazzCash e-wallet.

Example: 12345678901

payment
object
strictly required

currency
string
strictly required

Code of the payment currency in the ISO-4217 alpha-3 format.

Example: PKR

amount
integer
strictly required

Payment amount in minor currency units without any decimal point or comma except for the cases when the currency doesn't have any minor currency units.

Example: 100.00 PKR must be sent as 10000

You can also add any other optional parameters to the purchase request, if necessary. For the list of all the parameters available in Gate, see API Reference.

Here is an example of the data from a request to initiate a purchase with the JazzCash payment method:

Figure 5. Example of the purchase request body

{
    "general": {
        "project_id": 1234,
        "payment_id": "payment_47",
        "signature": "kUi2x9dKHAVNU0FYldJrxh4yo+52Kt8KU+Y19vySO/RLUkDJrOcZzUCwX6R/ekpZhkIQg=="
    },
    "customer": {
        "id": "customer_123",
        "ip_address": "198.51.100.47",
        "first_name": "John",
        "last_name": "Doe",
        "email": "johndoe@example.com"
    },
    "account": {
        "number": "12345678901"
    },
    "payment": {
        "currency": "PKR",
        "amount": 10000
    }
}

Displaying the payment instructions to the customer

In some cases, after receiving and processing your purchase request, the payment platform sends you the callback with the display_data array.

You should accept the callback, but you don't have to display the instruction to the customer.

Table 3. Description of the display_data array
Element	Description
{ "type": "add_info", "title": "amount", "data": "10000" }	Payment amount. Example: `10000`
{ "type": "add_info", "title": "currency", "data": "PKR" }	Payment currency. Example: `PKR`
{ "type": "add_info", "title": "account_number", "data": "1234567890" }	Customer account number. Example: `1234567890`

The following is the callback fragment containing display_data array.

"display_data": [
    {
        "type": "add_info",
        "title": "amount",
        "data": "10000"
    },
    {
        "type": "add_info",
        "title": "currency",
        "data": "PKR"
    },
    {
        "type": "add_info",
        "title": "account_number",
        "data": "1234567890"
    }
]

Submitting OTP code to the payment platform

After you received OTP code from the customer, you need to send it to the payment platform in a new request. Listed below are the instructions on how to build the request with OTP code.


HTTP request method	POST
Request body format	JSON
API endpoint	/v2/payment/clarification

strictly required—the parameter must be in the initial request.

Object Parameter Description

general
object
strictly required

project_id
integer
strictly required

Project ID you obtained from Monetix when integrating.

Example: 1234

payment_id
string
strictly required

Payment ID unique within your project.

Example: payment_47

signature
string
strictly required

Signature created after you've specified all the request parameters. For more information about signature generation, see Signature generation and verification.

additional_data
object
strictly required

otp_code
string
strictly required

The OTP code the customer receives in a message from the mobile network operator.

Example: 1234

You can also add any other optional parameters to the request, if necessary. For the list of all the parameters available in Gate, see API Reference.

Here is an example of the data from the request with OTP code:

Figure 6. Example of the data from a request with OTP code

{
    "general": {
        "project_id": 1234,
        "payment_id": "payment_47",
        "signature": "kUi2x9dKHAVNU0FYldJrxh4yo+52Kt8KU+Y19vySO/RLUkDJrOcZzUCwX6R/ekpZhkIQg=="
    },
    "additional_data": {
        "otp_code": "1234"
    }
}

Callback

In the JazzCash payment method, the payment platform returns the purchase result in a callback. For the information about the callback structure, see Callbacks in Gate.

The following is an example of a callback body with the information about a successfully completed purchase.

Figure 7. Example of the data from a successful purchase callback

{
    "project_id": 1234,
    "payment": {
        "id": "payment_47",
        "type": "purchase",
        "status": "success",
        "date": "2024-12-07T19:08:45+0000",
        "method": "jazzcash",
        "sum": {
            "amount": 10000,
            "currency": "PKR"
        },
        "description": ""
    },
    "customer": {
        "id": "customer_123"
    },
    "operation": {
        "id": 47,
        "type": "sale",
        "status": "success",
        "date": "2024-12-07T19:08:45+0000",
        "created_date": "2024-12-07T19:08:05+0000",
        "request_id": "1a23456bc7890de",
        "sum_initial": {
            "amount": 10000,
            "currency": "PKR"
        },
        "sum_converted": {
            "amount": 10000,
            "currency": "PKR"
        },
        "code": "0",
        "message": "Success",
        "provider": {
            "id": 12345,
            "payment_id": "123abc123-123",
            "auth_code": ""
        }
    },
    "account": {
        "number": "12345678900"
    },
    "signature": "U7HQO7ToISZhMPKdM4XrUKQtoYzFvoB3cs9CRd4xeYG2Q=="
}

The following is an example of a callback for a declined purchase.

Figure 8. Example of the data from a declined purchase callback

{
    "project_id": 1234,
    "payment": {
        "id": "payment_47",
        "type": "purchase",
        "status": "decline",
        "date": "2024-12-07T19:08:45+0000",
        "method": "jazzcash",
        "sum": {
            "amount": 10000,
            "currency": "PKR"
        },
        "description": ""
    },
    "customer": {
        "id": "customer_123"
    },
    "operation": {
        "id": 47,
        "type": "sale",
        "status": "decline",
        "date": "2024-12-07T19:08:45+0000",
        "created_date": "2024-12-07T19:08:05+0000",
        "request_id": "1a23456bc7890de",
        "sum_initial": {
            "amount": 10000,
            "currency": "PKR"
        },
        "sum_converted": {
            "amount": 10000,
            "currency": "PKR"
        },
        "code": "20000",
        "message": "General decline",
        "provider": {
            "id": 12345,
            "payment_id": "123abc123-123",
            "auth_code": ""
        }
    },
    "account": {
        "number": "12345678900"
    },
    "signature": "U7HQO7ToISZhMPKdM4XrUKQtoYzFvoB3cs9CRd4xeYG2Q=="
}

JazzCash - Purchase 4: with confirmation via an OTP code

Operations support

Purchase by using Payment Page

General information

Request

Callback

Related topics

Purchase by using Gate

General information

Request

Displaying the payment instructions to the customer

Submitting OTP code to the payment platform

Callback

Related topics