Payments

Direct Pay lets you collect payments directly on your platform with the Fapshi API. To activate it for live transactions, you must apply through Fapshi Support.

Prerequisite

Before applying,

1. You must first implement Direct Pay in Sandbox mode on your platform and ensure it works correctly. This is required to demonstrate your integration before activation in live mode.
2. You must have a live website that explains what your business does and how your solution/platform works such that we can ascertain your use of the API.

Note: Direct Pay is only approved for absolutely necessary use cases (e.g. Mobile app) or use cases that would not work via Initiate Pay. So, before applying, make sure you fulfill this criteria.

How to Apply

To request Direct Pay activation, send an email to support@fapshi.com with the following details:

1. Your personal and business information
   • Your full name
   • Your Fapshi account email
   • Your business name (as registered on Fapshi)

2. Description of your platform

• Explain clearly how your platform works (or how it will work once launched).

3. Platform type

• State if it’s a web application or a mobile application.

4. Sandbox testing

• Confirm whether you have already implemented your solution using the sandbox environment.

5. Reason for choosing Direct Pay

• Explain why you prefer Direct Pay instead of Initiate Pay. Check this article to know the difference between direct pay and initiate pay:
  https://www.fapshi.com/en/help-and-support/direct-pay-vs-initiate-pay-all-you-need-to-know

If you’ve forgotten your PIN or suspect someone else knows it, you can request to reset it securely through our support system.

🔄 How to Reset Your PIN

Step 1: Go to the Fapshi support page

Step 2: Choose the subject: "Change my pin"

Step 3: In the message, provide:

• Your email address
• Your support PIN

How to get your support PIN:
Click the user icon (at the top-right of your dashboard) and copy the Support PIN shown.

Once support approves your request, follow the same steps in How to set your PIN to create a new one.

📱 On the Mobile App

Go to Settings → Forgot your Fapshi PIN?
Follow the prompts to submit a reset request.

🚫 Do Not Share Your PIN!

Never share your PIN with anyone.
Even Fapshi staff will never ask for your PIN.
Anyone with your PIN can access your funds.

When you receive payments through the Fapshi API, the funds are stored in your service balance. Here’s how to check and manage it:

1. Checking Your Service Balance

• On the Web Dashboard
  1. Log in to your Fapshi dashboard.
  2. Select the specific service you want to view.
  3. Open the Balances section to see the funds collected.
• On the Mobile App
  1. Open the Wallets screen.
  2. Select the service you want to view.
  3. Your balance for that service will be displayed.

2. Transferring Your Balance

• You can transfer your service balance to your main balance to withdraw it.
• You can also transfer money between services, for example:
  • From your collections service → to your disbursement service.

✅ By checking your service balance regularly, you’ll always know how much you’ve collected and can manage funds efficiently across your services.

The Fapshi API offers two powerful methods for collecting payments: Direct Pay and Initiate Pay. Each serves distinct use cases, balancing control, ease of integration, and user experience. This article breaks down the differences, benefits, and ideal scenarios for using Direct Pay and Initiate Pay, helping you choose the right approach for your application. Whether you're building a custom payment flow or need a quick solution, Fapshi's API has you covered. For more details, check the official Fapshi API documentation.

Understanding Direct Pay

Direct Pay allows developers to initiate payments directly from a user's mobile wallet without redirecting them to an external page. With this method, you have full control over the payment form and user experience, building a seamless checkout process within your application. However, this comes with the responsibility of handling validations, user input, and the payment flow on your end. The Fapshi backend processes the transaction, ensuring security and reliability, while you manage the front-end experience.

Key Features of Direct Pay

• Full Customization: Design the payment form to match your brand and user interface.
• No Redirects: Users stay within your app or website, creating a frictionless experience.
• Developer Responsibility: You handle input validation, error handling, and transaction status verification.
• Use Case Flexibility: Ideal for apps requiring tailored payment flows, such as in-app purchases or integrated checkout systems.

How It Works

1. Your application collects payment details (e.g., phone number, amount) via a custom form.
2. The app sends a payment request to Fapshi's API using your apiuser and apikey for authentication.
3. Fapshi processes the request and prompts the user to confirm the transaction on their mobile wallet.
4. Upon completion, you receive a transId (transaction ID) with a status code of 200 for successful requests or a 4XX code with an error message for failures.
5. You can use the to check the transaction status (SUCCESSFUL or FAILED) via the API or receive updates through a configured webhook.

You can start collecting donations on your WordPress website in minutes using Fapshi Payment Links — no plugins or coding needed.

This method is perfect for individuals, nonprofits, churches, student projects, and small businesses that want to accept support or donations online easily.

💡 What You Need

• A Fapshi account
• A simple payment link or donation link generated via your dashboard
• A WordPress website or blog

🛠️ Step-by-Step: How to Add a Donation Link on WordPress

✅ Step 1: Create a Payment Link

1. Log in to your Fapshi Dashboard
2. Go to Payment Links
3. Click Create a Link
4. Choose:
   • Simple Payment Link if the amount is fixed
   • Donation Link if you want donors to enter the amount themselves
5. Add a name like “Support My Project” or “Church Donations”
6. Click Create, and copy the generated link

✅ Step 2: Add the Link to Your WordPress Site

There are 3 simple ways to do this:

Option 1: Add a Button
Go to your WordPress editor and add a Button Block

• Label: “Donate Now” or “Support Us”
• Paste your Fapshi payment link as the URL

Option 2: Text Link
Write something like:

If you’d like to support our mission, click here to donate.
Replace with your actual link.

Option 3: Widget or Sidebar
Use WordPress widgets to place the donation button or text in your sidebar or footer.

🎯 Bonus Tips

• Customise your payment link image and description from the Fapshi dashboard for better branding

What is the Fapshi PIN?

Your Fapshi PIN is a 5-digit code used to authorise any money leaving your account, including:

• Transfers to other Fapshi users
• Payouts to Mobile Money or bank accounts
• Bulk payments

You must set your PIN before using these features.

💻 Set Your PIN via Dashboard

Step 1: Log into your Fapshi dashboard
Step 2: Click the Create button in the top-right corner and choose:
“A pin (transfers and payouts)”
Step 3: Enter your 5-digit PIN and click Submit

📱 Set Your PIN on the Mobile App

Step 1: Open the Fapshi mobile app
Step 2: Go to Settings → Security → Set PIN
Step 3: Enter your 5-digit PIN and confirm

🚫 Do Not Share Your PIN!

Never share your PIN with anyone — not even a Fapshi team member.
Your PIN protects your money. If someone has it, they can drain your account.
Fapshi will never ask for your PIN.

If you forget your PIN, check the Forgot PIN Guide to change it.