Initiate Payment

POST

https://staginggateway.fintainium.com/gateway/payment

The Initiate Payment API allows your business to collect payments from customers to manage Accounts Receivable (AR) efficiently and securely. This API enables businesses to request or collect payments from customers by specifying customer details, payment amounts, due dates, and optional metadata. Each collection creates a Transaction record for tracking and reconciliation.

Key features:

Initiate single or multiple payment requests from customers.

Support for multiple payment methods and currencies.

Generate Transaction records for each received payment.

Attach metadata such as invoice numbers or descriptions for reporting.

Optionally notify customers with payment requests or reminders.

Request

Header Params

Body Params application/json

Examples

Responses

🟢200Success

application/json

Bodyapplication/json

Request Example

Shell

JavaScript

Java

Swift

curl --location 'https://staginggateway.fintainium.com/gateway/payment' \
--header 'sessionKey: z4FEVD7d2SVGG0B8QF1rXUTMqzUDncOT' \
--header 'Content-Type: application/json' \
--data '{
    "businessId": "3281525",
    "internalId": "110033",
    "reference": "FCB-card-05",
    "amount": "2.00",
    "type": {
    "collection": {
        "paymentMethod": {
            "ach": {
                "accountNumber": "123456789",
                "routingNumber": "987654321",
                "accountName": "John Doe",
                "accountType": "Business"
            }
        }
    }
},    
    "transactionDate": "12/17/2024"
}'

Response Example

{
    "statusCode": 200,
    "actionCode": "00",
    "message": "Payment details received successfully, payment processing in progress",
    "failedCount": 0,
    "failedMessageList": [],
    "successCount": 1,
    "type": "collection",
    "businessId": "3295462",
    "internalId": "123456",
    "reference": "123345",
    "paymentMethodId": 0,
    "description": "",
    "name": "",
    "accountName": "",
    "nameOnCard": "",
    "printName": "",
    "status": false,
    "isTempCard": false,
    "isDefault": false,
    "archive": false,
    "transmissionDateTime": "2024-12-17 01:05:15"
}

Modified at 2025-09-05 17:54:59

Create new customer

Add Payment Method