curl --request POST \
  --url https://api.nomba.com/v1/checkout/user-card \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "orderReference": "c4307d58-2513-41d8-b7f7-dfecd5f9fdbe",
  "phoneNumber": "08012345678",
  "otp": "1234"
}
'

import requests

url = "https://api.nomba.com/v1/checkout/user-card"

payload = {
    "orderReference": "c4307d58-2513-41d8-b7f7-dfecd5f9fdbe",
    "phoneNumber": "08012345678",
    "otp": "1234"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    orderReference: 'c4307d58-2513-41d8-b7f7-dfecd5f9fdbe',
    phoneNumber: '08012345678',
    otp: '1234'
  })
};

fetch('https://api.nomba.com/v1/checkout/user-card', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.nomba.com/v1/checkout/user-card",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'orderReference' => 'c4307d58-2513-41d8-b7f7-dfecd5f9fdbe',
    'phoneNumber' => '08012345678',
    'otp' => '1234'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.nomba.com/v1/checkout/user-card"

	payload := strings.NewReader("{\n  \"orderReference\": \"c4307d58-2513-41d8-b7f7-dfecd5f9fdbe\",\n  \"phoneNumber\": \"08012345678\",\n  \"otp\": \"1234\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.nomba.com/v1/checkout/user-card")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"orderReference\": \"c4307d58-2513-41d8-b7f7-dfecd5f9fdbe\",\n  \"phoneNumber\": \"08012345678\",\n  \"otp\": \"1234\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.nomba.com/v1/checkout/user-card")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"orderReference\": \"c4307d58-2513-41d8-b7f7-dfecd5f9fdbe\",\n  \"phoneNumber\": \"08012345678\",\n  \"otp\": \"1234\"\n}"

response = http.request(request)
puts response.read_body

{
  "code": "00",
  "description": "Success",
  "data": {
    "success": "true",
    "message": "success"
  }
}

{
  "code": "400",
  "description": "Request failed."
}

{
  "code": "401",
  "description": "Unauthorized"
}

{
  "code": "403",
  "description": "Forbidden"
}

{
  "code": "404",
  "description": "Record not found"
}

{
  "code": "429",
  "description": "Too many requests"
}

{
  "code": "500",
  "description": "Server error"
}