The C2B API was created to address the submitting of payment requests from merchant checkout without using the IFRAME. A new improved authentication details have been added to improve on security and additional parameters like merchant transaction ID and encrypted parameters are passed. The API is multi-threaded to improve on transaction processing speeds.
The API allows merchant initiate C2B (paybill via web) transactions. The merchant submits authentication details, transaction details, callback url and callback method.
After request submission, the merchant receives instant feedback with validity status of their requests. The C2B API handles customer validation and authentication via USSD push. The customer therefore confirms the transaction. If the customer validation fails or declines the transaction, the API makes a callback to merchant. Otherwise the transaction is processed and status is made through a callback.