Paystack Charges

The Charge API gives you direct control over which payment channel to use, bypassing the standard Paystack checkout. It supports card, bank, USSD, mobile money, QR, EFT, Capitec Pay, and bank transfers.

Depends on: paystack-setup for the paystackRequest helper and environment config.

Charge Flow

The Charge API follows a multi-step flow. After creating a charge, Paystack may request additional authentication:

Create Charge → Check status → If "send_pin"    → Submit PIN    → Check status
                              → If "send_otp"    → Submit OTP    → Check status
                              → If "send_phone"  → Submit Phone  → Check status
                              → If "send_birthday"→ Submit Birthday→ Check status
                              → If "send_address"→ Submit Address → Check status
                              → If "pending"     → Wait 10s      → Check Pending
                              → If "success"     → Done ✓