Introduction
KartaPay is a payment gateway that lets merchants accept payments from customers using local payment providers (Holo, MVola, and others) without integrating each provider directly.
How a payment flows
- A customer selects KartaPay as a payment method in your app.
- Your backend creates a payment via the KartaPay API and receives a
submitUrl. - You redirect the customer's browser to
submitUrl— the KartaPay checkout page. - The customer picks a provider (e.g. MVola) and completes the payment on the provider's own approval page.
- KartaPay redirects the customer back to your
successUrl(orcancelUrlif they cancel) and sends your backend a webhook once the payment is confirmed.
Key terms
| Term | Meaning |
|---|---|
| Merchant | Your business account in KartaPay |
clientId | A reconciliation ID you generate to match a KartaPay payment to your own order/record |
submitUrl | The KartaPay checkout URL you redirect the customer to after creating a payment |
successUrl / cancelUrl | URLs on your own site that KartaPay redirects the customer to after approval/cancellation |
| Webhook | An HTTP POST KartaPay sends to your server when a payment's status changes |
:::tip Next step Create a merchant account to get started, or jump straight to the developer guide if you already have an account. :::