> ## Documentation Index
> Fetch the complete documentation index at: https://docs.kairosafrika.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment API Introduction

> Overview of the Payment API for Kairos Afrika.

# Payment API

Kairos Afrika's Payment API enables you to initiate payment transactions securely across Africa. The API provides a simple interface to process payments with comprehensive tracking and callback functionality.

## Key Features

* **Simple Payment Initiation**: Start payment transactions with minimal required fields
* **Reference Tracking**: Track payments using your own reference numbers
* **Callback Support**: Receive real-time updates on payment status
* **Msisdn-based Organization**: Organize payments by msisdn identifiers
* **Flexible Narration**: Add descriptive text for payment purposes

## Base URLs

* **Staging**: `https://api.staging.kairosafrika.cloud/paygw`
* **Production**: `https://api.kairosafrika.cloud/paygw`

## Authentication

Payment API uses Basic authentication with base64 encoded credentials:

```
Authorization: Basic <base64(username:password)>
```

Your username and password credentials are manually generated and shared with you by Kairos Afrika.

## Available Endpoints

* [Initiate Payment](./endpoint/create) - `POST /v1/payment`
* [Get Account Holder](./endpoint/get-account-holder) - `GET /v1/accountholders/{accountHolderId}`
* [Get Transaction Status](./endpoint/get-transaction-status) - `GET /v1/payment/{reference}/status`

***

> **Note:** Always test your integration using the staging environment before going live with production.