Chapa Developer Documentation

This quick start walks you through the simplest end-to-end payment flow using Chapa API v2:

Initialize payment → Redirect customer → Verify payment

This flow applies to Hosted Checkout, which is the recommended starting point.

Step 1: Create a Chapa Account

Create (or sign in to) your merchant account on the Chapa Dashboard.

From the dashboard, you'll be able to:

Manage API keys
Switch between Test and Live modes
View payments, payouts, refunds, and webhooks

Step 2: Use Test Mode for Development

Chapa supports two environments:

Mode	Description
Test Mode	No real money is moved
Live Mode	Real transactions

Always start in Test mode while building and validating your integration. Switch to Live mode only when you're ready to accept real payments.

Do not mix test and live keys — this will cause authentication errors.

Step 3: Get Your API Keys

From your dashboard, navigate to:

Settings → API Keys

You'll find:

Key Type	Usage
Secret Key	Used on your server to authorize API requests. Never expose this in frontend code.
Public Key	Used only for client-side integrations (e.g., Inline.js)

Step 4: Prepare Payment Details

Before initializing a payment, collect the required payment information.

Required Parameters

Parameter	Description
`amount`	Amount to charge
`currency`	Supported currency code

Supported Currencies

Code	Currency
`ETB`	Ethiopian Birr
`USD`	US Dollar
`UGX`	Ugandan Shilling
`DJF`	Djiboutian Franc

Optional Parameters (Recommended)

Parameter	Description
`merchant_reference`	Your unique payment reference
`customer`	Customer details object
`customer.first_name`	Customer's first name
`customer.last_name`	Customer's last name
`customer.email`	Customer's email address
`customer.phone_number`	Customer's phone number
`preferred_payment_methods`	Array of preferred payment methods
`meta`	Internal metadata (order ID, notes)

Phone number is required for some payment methods and high-risk businesses and must follow international format (e.g., +251960724272).

Step 5: Initialize the Payment (Server-Side)

Call the Hosted Payment endpoint from your backend to generate a checkout URL.

Endpoint:

POST https://api.chapa.co/v2/payments/hosted

Headers:

Authorization: Bearer <CHAPA_SECRET_KEY>
Content-Type: application/json

Example Request

JSON

{
  "amount": 100,
  "currency": "ETB",
  "merchant_reference": "ORDER_123456",
  "customer": {
    "first_name": "Abebe",
    "last_name": "Bikila",
    "email": "abebebikila@chapa.co",
    "phone_number": "+251960724272"
  },
  "meta": {
    "order_id": "ORD-123456"
  }
}

cURL

curl -X POST https://api.chapa.co/v2/payments/hosted \
  -H "Authorization: Bearer CHAPA_TEST_xxxxxxxxxxxxx"
  -H "Content-Type: application/json" \
  -d '{
  "amount": 100,
  "currency": "ETB",
  "merchant_reference": "ORDER_123456",
  "customer": {
    "first_name": "Abebe",
    "last_name": "Bikila",
    "email": "abebebikila@chapa.co",
    "phone_number": "+251960724272"
  },
  "meta": {
    "order_id": "ORD-123456"
  }
}'

JavaScript

const response = await fetch("https://api.chapa.co/v2/payments/hosted", {
  method: "POST",
  headers: {
    "Authorization": "Bearer CHAPA_TEST_xxxxxxxxxxxxx",
    "Content-Type": "application/json"
  },
  body: JSON.stringify({
  "amount": 100,
  "currency": "ETB",
  "merchant_reference": "ORDER_123456",
  "customer": {
    "first_name": "Abebe",
    "last_name": "Bikila",
    "email": "abebebikila@chapa.co",
    "phone_number": "+251960724272"
  },
  "meta": {
    "order_id": "ORD-123456"
  }
})
});
const data = await response.json();

console.log(data);

Step 6: Redirect the Customer to Checkout

If initialization is successful, Chapa returns a checkout URL:

{
  "status": "success",
  "data": {
    "checkout_url": "https://checkout.chapa.co/payment/CHAPA123456789"
  }
}

Redirect your customer to checkout_url to complete the payment on Chapa's hosted checkout page.

Step 7: Listen for Post-Payment Signals

After the customer completes (or abandons) the payment, Chapa may notify you via:

Redirect back to your application (if configured)
Webhook events (recommended)
Dashboard updates

Important: Redirects and webhooks are signals only. You must still verify the payment on your server before fulfilling the order.

Step 8: Verify the Payment (Required)

To confirm the final payment status, verify the transaction using the Chapa reference returned during initialization or via webhook.