Payments

The Inshuwa API supports multiple payment methods for premium collection.

Supported Payment Methods

Method	Description
Mobile Money	Airtel Money, MTN Mobile Money, Zamtel Kwacha
Card	Visa and Mastercard
Mobile Banking	Local banking platforms

Pay for a Quotation

POST /api/v1/payments/{quoteId}/pay

Request body:

{
  "reference": "your-unique-reference-123",
  "payment": {
    "method": "MobileMoney",
    "mobileMoneyAccountNumber": "260971234567"
  }
}

The reference is your unique identifier for this transaction. Store it to check payment status later.

Check Transaction Status

GET /api/v1/payments/transactions/{reference}/status

Response:

{
  "reference": "your-unique-reference-123",
  "status": "Success",
  "amount": 1500.00,
  "currency": "ZMW"
}

Payment Statuses

Status	Description
Pending	Payment initiated, awaiting confirmation
Success	Payment completed successfully
Failed	Payment failed

Combined Payment Endpoints

Some policy endpoints include payment in a single request:

• POST /api/v1/policies/motor/instant/issue/pay — Issue and pay motor policy
• POST /api/v1/policies/motor/{policyId}/renew/pay — Renew and pay motor policy
• POST /api/v1/policies/motor/{policyId}/extend/pay — Extend and pay motor policy
• POST /api/v1/quotations/travel/instant-issue — Issue and pay travel policy
• POST /api/v1/quotations/life/instant-issue — Issue and pay life policy

Best Practices

• Always generate a unique reference for each transaction
• Poll transaction status after initiating payment — do not assume immediate success
• Implement webhook handling to receive real-time payment notifications (see Webhooks)
• Store the reference in your system to reconcile payments