Choose a payment flow
Last updated: 2026-07-17
Pay-ins and payouts are both payment flows. Start with the direction of money, then choose who owns the customer interaction and method-specific step.
| Direction | Flow | Choose it when | Continue with |
|---|---|---|---|
| Inbound | Hosted pay-in (H2P) | You want the customer to complete payment on a hosted payment page | Pay-ins |
| Inbound | Direct pay-in (H2H) | Your application collects method-specific details and handles the next action | Pay-ins |
| Inbound | Mobile money transfer | The customer initiates a transfer through a discovered rail | Mobile money transfer |
| Outbound | Payout | You send funds to a beneficiary bank account or mobile money wallet | Payouts |
For every flow:
- Discover an available market and method.
- Create or initialize the payment with a unique
merchantReference. - Continue any redirect, instruction, or OTP step returned by the API.
- Reconcile the result through the latest payment status and webhooks.
Redirects and accepted requests are not final success signals. See Payment lifecycle for status handling and Webhooks for delivery and signature verification.