Overview & Quickstart | FuturePayNG Developer Documentation

<350msQR Generation Latency

99.98%Settlement Uptime

HMAC-SHA256Bank-Grade Verification

info1. Overview

The Instant QR & Account Rail for Nigerian Commerce

The FuturePayNG Invoice Payment API allows merchants, platforms, and e-commerce stores to create instant payment invoices and dynamic QR codes for web checkouts. Customers scan the QR code using their FuturePayNG app, while the web checkout page automatically polls status and fulfills the order upon confirmation.

Environment Endpoints:

STAGING SERVER:https://stage-futurepay.yellow.team

DATA PROTOCOL:JSON (UTF-8) / HTTPS Only

alt_route2. The 4-Step Commerce Flow

How FuturePayNG Payment Processing Works

Create Invoice

Merchant backend sends a POST /api/v1/checkout/invoices call with order reference and amount in NGN.

Display Web QR

Frontend receives base64 qrCodeDataUrl and renders it inside the web checkout modal with expiration timestamp and canvas jsQR decoding.

Scan & Confirm

Customer scans the QR code. The web checkout polls order status every 3 seconds while your server receives the signed HMAC webhook.

Fulfill Order

Merchant backend verifies HMAC-SHA256 signature, updates order to paid, and ships goods.

vpn_key3. Authentication

API Key Authentication & Security Headers

Every request to the FuturePayNG API must include your merchant API key passed in the X-FuturePay-Api-Key HTTP request header.

Header Name	Type	Description	Example
X-FuturePay-Api-Key	String	Your merchant API Key. Keep this secret on your server.	fp_live_4f9a08e92bc3...
Content-Type	String	Required for POST requests with JSON body.	application/json

lock

Important Security & Credential Provisioning Notice:

Never expose your API key in client-side code, frontend React components, or public git repositories. Always execute invoice creation from your backend server.

Need credentials? You can test immediately with the shared Staging Sandbox Keys or submit an official merchant activation request to Invoicecheckout@futurepayng.com.

rocket_launch4. Quickstart Implementation

Make Your First API Request

Select your preferred programming language below to create your first payment invoice:

v1.0.0

curl -X POST https://stage-futurepay.yellow.team/api/v1/checkout/invoices \
  -H "X-FuturePay-Api-Key: fp_live_bbb1ba5f211783bf6805867c4858e615beec0c85b03baf9f655a69d4040f9eb4" \
  -H "Content-Type: application/json" \
  -d '{
    "orderReference": "ORDER-NG-89421",
    "amount": 25000,
    "currency": "NGN",
    "webhookUrl": "https://your-domain.ng/api/webhooks/futurepay",
    "metadata": {
      "email": "customer@domain.ng"
    }
  }'

fact_check5. Pre-Integration Checklist

Checklist for a Complete Integration

check_circle1. Request API credentials from Invoicecheckout@futurepayng.com or copy staging keys from the Merchant Console.

check_circle2. Build the server route to POST cart details and receive the dynamic QR code base64.

check_circle3. Render the QR code in the web frontend with expiration details and 3-second status polling.

check_circle4. Build a public HTTPS webhook endpoint (e.g., /api/webhooks/futurepay) to receive events.

check_circle5. Implement HMAC-SHA256 signature verification (X-FuturePay-Signature) using hash_equals().

check_circle6. Update database order status to 'paid' and fulfill the customer order automatically.

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