---
updatedAt: 2026-08-20T08:30:45.000Z
agentTools:
projectIndex: https://mamopay.readme.io/llms.txt
---
# Initiate Payment
API to initiate payments by merchant.
About MIT (Merchant Initiated Transaction)
Merchant Initiated Transactions (MIT) allows a business to use card details, that were stored during previous payments, to charge their customers.
How do MITs work?
1- You request a payment link with the option to save the card details.
2- You save the payment ID.
3- You get the payment details (redirect, GET /payments/{paymentId}, or webhook) which will include the ID of the card used to make the payment, you can save either one of the IDs so you always have access to the card ID.
4- You call the below API to initiate a payment using the same card.
# OpenAPI definition
```json
{
"openapi": "3.0.0",
"info": {
"title": "Payments",
"version": "1.6",
"contact": {
"name": "api@mamopay.com"
}
},
"servers": [
{
"url": "https://sandbox.dev.business.mamopay.com/manage_api/v1",
"description": "Sandbox server"
},
{
"url": "https://business.mamopay.com/manage_api/v1",
"description": "Production server"
}
],
"security": [
{
"Authorization": [
"Bearer sk-123abc-abcd-1234-1234-123123123123"
]
}
],
"paths": {
"/payments": {
"post": {
"servers": [
{
"url": "https://business.mamopay.com/manage_api/v1",
"description": "Production server"
},
{
"url": "https://sandbox.dev.business.mamopay.com/manage_api/v1",
"description": "Sandbox server"
}
],
"tags": [
"Payments"
],
"summary": "Initiate Payment",
"description": "API to initiate payments by merchant.
\nAbout MIT (Merchant Initiated Transaction)
\nMerchant Initiated Transactions (MIT) allows a business to use card details, that were stored during previous payments, to charge their customers.
\n
\nHow do MITs work?
\n1- You request a payment link with the option to save the card details.
\n2- You save the payment ID.
\n3- You get the payment details (redirect, GET /payments/{paymentId}, or webhook) which will include the ID of the card used to make the payment, you can save either one of the IDs so you always have access to the card ID.
\n4- You call the below API to initiate a payment using the same card.
\n",
"requestBody": {
"content": {
"application/json": {
"schema": {
"type": "object",
"properties": {
"card_id": {
"type": "string",
"description": "Saved card ID retrieved from the initial payment made with MIT-enabled link."
},
"amount": {
"type": "number",
"description": "Amount to be charged.",
"default": 10,
"minimum": 1
},
"currency": {
"type": "string",
"default": "AED",
"description": "The three-letter ISO currency code, default is AED"
},
"send_customer_receipt": {
"type": "boolean",
"default": true,
"description": "Enables the sending of customer receipts."
},
"custom_data": {
"type": "object",
"description": "Key-value object that can be used to pass custom data."
},
"external_id": {
"type": "string",
"description": "The external ID allows non Mamo IDs to be associated with a given payment."
},
"hold_and_charge_later": {
"type": "boolean",
"default": false,
"description": "Indicates whether to place the payment on hold and charge it later using the \"captures\" API."
}
},
"required": [
"card_id",
"amount"
],
"example": {
"card_id": "CARD-5DF50209F8",
"amount": 10,
"custom_data": {
"internal_customer_id": "0114120d-c394-4cce-9cdb-4ccbae605748",
"val1": true,
"val2": "custom value"
},
"external_id": "ORDER-12345",
"hold_and_charge_later": false
}
}
}
}
},
"parameters": [
{
"name": "Content-Type",
"in": "header",
"schema": {
"type": "string"
},
"example": "application/json"
},
{
"name": "Authorization",
"in": "header",
"schema": {
"type": "string"
},
"example": "Bearer "
}
],
"responses": {
"200": {
"description": "Successful response",
"content": {
"application/json": {
"schema": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"captured",
"failed"
]
},
"id": {
"type": "string"
},
"amount": {
"type": "number"
},
"amount_currency": {
"type": "string"
},
"refund_amount": {
"type": "number"
},
"refund_status": {
"type": "string"
},
"billing_descriptor": {
"type": "string"
},
"custom_data": {
"type": "object"
},
"created_date": {
"type": "string"
},
"subscription_id": {
"type": "string",
"description": "Value is set for subscriptions only. For one-time payments, this will be null."
},
"next_payment_date": {
"type": "string",
"description": "Value is set for subscriptions only. For one-time payments, this will be null."
},
"settlement_amount": {
"type": "number"
},
"settlement_currency": {
"type": "string"
},
"settlement_date": {
"type": "string"
},
"customer_details": {
"type": "object",
"properties": {
"name": {
"type": "string"
},
"email": {
"type": "string"
},
"phone_number": {
"type": "string"
},
"comment": {
"type": "string"
}
}
},
"payment_method": {
"type": "object",
"properties": {
"type": {
"type": "string"
},
"card_holder_name": {
"type": "string"
},
"card_last4": {
"type": "string"
},
"origin": {
"type": "string"
}
}
},
"error_code": {
"type": "string"
},
"error_message": {
"type": "string"
}
},
"example": {
"status": "captured",
"id": "MPB-CHRG-E0CE93E071",
"amount": 100,
"amount_currency": "AED",
"refund_amount": 0,
"refund_status": "No refund",
"billing_descriptor": "Mamo*Merchant",
"custom_data": {
"internal_customer_id": "0114120d-c394-4cce-9cdb-4ccbae605748",
"val1": true,
"val2": "custom value"
},
"created_date": "2023-05-31-11-18-57",
"subscription_id": "MPB-SUB-B764EDCBA2",
"next_payment_date": "05/06/2023",
"settlement_amount": 356.42,
"settlement_currency": "AED",
"settlement_date": "05/06/2023",
"customer_details": {
"name": "Mamo User",
"email": "email@mamopay.com",
"phone_number": "+971551234567",
"comment": "Dolore voluptate possimus et."
},
"payment_method": {
"type": "CREDIT VISA",
"card_holder_name": "Mamo User",
"card_last4": "•••• 4242",
"origin": "UAE card"
},
"error_code": "generic",
"error_message": "Unknown reason - user should contact their bank to find out"
}
}
}
}
},
"400": {
"description": "Bad Request"
},
"403": {
"description": "Unauthorised",
"content": {
"application/json": {
"schema": {
"type": "object",
"properties": {
"messages": {
"type": "array",
"items": {
"type": "string"
}
},
"error_code": {
"type": "string"
}
},
"example": {
"messages": [
"Unauthorized"
],
"error_code": "UNAUTHORIZED"
}
}
}
}
},
"422": {
"description": "Unprocessable Entity",
"content": {
"application/json": {
"schema": {
"type": "object",
"properties": {
"messages": {
"type": "array",
"items": {
"type": "string"
}
},
"error_code": {
"type": "string"
}
},
"example": {
"messages": [
"Card does not exist"
],
"error_code": "UNPROCESSABLE ENTITY"
}
}
}
}
},
"500": {
"description": "Unexpected error",
"content": {
"application/json": {
"schema": {
"type": "object",
"properties": {
"status": {
"type": "number"
},
"error": {
"type": "string"
}
},
"example": {
"status": 500,
"error": "Internal Server Error"
}
}
}
}
}
}
}
}
}
}
```