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Overview

Nomba Checkout serves as a versatile payment gateway, empowering businesses to seamlessly accept payments from customers. This platform facilitates transactions through bank transfers or the use of local and international debit cards. Notably, it offers support for major card networks, including Mastercard, Visa, Verve and American Express. Businesses can leverage Nomba Checkout to enhance their payment processing capabilities, providing customers with a convenient and secure way to make transactions.

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Quick Action

Create a checkout order

Accept card and bank transfer payments.

Perform recurring payments

Learn how to perform recurring payments

Manage disputes

Learn how to automate dispute resolution.

Test Card

Get Nomba test card for testing purposes.

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How Nomba Checkout Works

In addition to its core functionality as a payment gateway, Nomba Checkout distinguishes itself by offering a robust API. This API empowers customers to build customized checkout payment links tailored to their specific needs. Businesses can leverage this feature to create a seamless and integrated payment experience for their customers. By utilizing the Nomba Checkout API, businesses gain the flexibility to adapt payment processes to their unique requirements, enhancing efficiency and providing a tailored payment solution for their customer base. The provided diagram illustrates the sequence of events in a payment processing flow involving your customer, your application, and Nomba. This sequence ensures a secure and streamlined payment processing flow, demonstrating the interactions between the customer, app, and Nomba at various stages.

Nomba Checkout flow

The process begins with authentication, followed by the generation of a checkout link, and concludes with payment acceptance and transaction verification.

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Authentication

The process kicks off with your app communicating with Nomba to generate an access token by making a POST call to /auth/token/issue (Authentication). Upon successful authentication, the Nomba API will respond with a success message containing the access token. Your app proceeds to generate a checkout link by making a POST call to /checkout/order (Create checkout order). The Nomba API responds with a success message containing the checkout link, which your app will display to the customer for them to make payment. Besides the mandatory fields when creating a checkout order, the various optional fields allow for a number of customizations while creating a checkout order.

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Create Checkout Order to Tokenize a card

For the purpose of recurrent or subscription payment, while creating the order set the optional parameter tokenizeCard to true. This will cause the checkout service to save the customer’s payment details securely and enable you to charge the merchant in the future.

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Create Checkout Order for a sub/outlet account

When creating a checkout order, specifying the optional field accountId will have the checkout funds paid into whatever account is provided in this field. Note this has to be one of your outlet accounts with Nomba. This will enable you process checkout transactions for different sub accounts.

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Split settlement

Checkout service allows you to receive payment into multiple accounts you specify. This allows you to specify and amount or percentage of the order value to the settled in specific amounts. To enable this feature, pass the optional splitRequest parameter when creating the checkout order. This will contain how the order amount will be split (by Percentage of the order Amount, or based on actual amount), and the various accounts where the funds will be split into. Set PERCENTAGE for percentage split or AMOUNT for monetary amount split in the splitType property.
Note that if the transaction fee will be paid by you, the fee will be deducted from your primary account.

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Payment Acceptance

The customer, using the checkout link, initiates the payment process, choosing to pay with a card or bank transfer. Nomba sends a webhook notification to your app, signaling the completion of the payment.
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Pay with Card

Customers can make payments with their Mastercard, Visa or Verve cards.

Pay with card

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Pay with Bank Transfer

Customers can initiate transfer payments to the displayed account number, triggering instant webhook notifications. A success response will also be presented to customers for a seamless experience.

Pay with bank transfer

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Transaction Verification:

Your app processes the webhook notification and proceeds to verify the transaction by making a POST call to /transactions/accounts (Filter Transactions) on Nomba, using the transaction reference. The Nomba API responds with a success message containing transaction details.

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Payment Receipt

Your app sends a payment receipt to the customer, completing the payment process.