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Other Payment Methods

In addition to Mobile Money, Notch Pay supports various other payment methods to help you reach more customers across Africa.

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Digital Wallets

Digital wallets allow customers to pay using their mobile wallet accounts. This method is increasingly popular across Africa due to its convenience and accessibility.

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How Digital Wallet Payments Work

1. Initialize Payment: Create a payment with customer and transaction details
2. Wallet Selection: The customer selects their digital wallet from the available options
3. Authentication: The customer logs in to their wallet or follows the wallet’s authentication process
4. Authorization: The customer authorizes the payment
5. Confirmation: Notch Pay confirms the payment status and notifies your application

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Supported Digital Wallets

Notch Pay supports payments from various digital wallets across Africa:

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Integration Example

// Create a payment
fetch('https://api.notchpay.co/payments', {
  method: 'POST',
  headers: {
    'Authorization': 'YOUR_PUBLIC_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 5000,
    currency: 'XAF',
    customer: {
      name: 'John Doe',
      email: 'john@example.com'
    },
    description: 'Payment for Order #123',
    reference: 'order_123'
  })
})
.then(response => response.json())
.then(data => {
  // Redirect to checkout where digital wallets will be an option
  window.location.href = data.authorization_url;
})

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USSD Payments

USSD (Unstructured Supplementary Service Data) payments allow customers to pay using their mobile phones without requiring internet access. This is particularly useful in areas with limited internet connectivity.

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How USSD Payments Work

1. Initialize Payment: Create a payment with customer and transaction details
2. USSD Code Generation: Notch Pay generates a USSD code for the payment
3. Customer Dialing: The customer dials the USSD code on their phone
4. Authentication: The customer follows the prompts to authenticate and authorize the payment
5. Confirmation: Notch Pay confirms the payment status and notifies your application

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Supported USSD Services

Notch Pay supports USSD payments through various mobile operators:

• MTN USSD
• Orange USSD
• Other local operators depending on the country

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Integration Example

// Create a payment
fetch('https://api.notchpay.co/payments', {
  method: 'POST',
  headers: {
    'Authorization': 'YOUR_PUBLIC_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 5000,
    currency: 'XAF',
    customer: {
      name: 'John Doe',
      phone: '+237600000000'
    },
    description: 'Payment for Order #123',
    reference: 'order_123'
  })
})
.then(response => response.json())
.then(data => {
  // Process with USSD
  fetch(`https://api.notchpay.co/payments/${data.transaction.reference}`, {
    method: 'POST',
    headers: {
      'Authorization': 'YOUR_PUBLIC_KEY',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      channel: 'cm.mtn.ussd',
      data: {
        phone: '+237600000000'
      }
    })
  })
  .then(response => response.json())
  .then(ussdData => {
    // Display USSD code to customer
    console.log(`Dial ${ussdData.ussd_code} to complete payment`);
  })
})

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QR Code Payments

QR code payments allow customers to pay by scanning a QR code with their mobile banking or payment app. This method is becoming increasingly popular due to its convenience and contactless nature.

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How QR Code Payments Work

1. Initialize Payment: Create a payment with customer and transaction details
2. QR Code Generation: Notch Pay generates a QR code for the payment
3. Customer Scanning: The customer scans the QR code with their mobile app
4. Authentication: The customer authorizes the payment in their app
5. Confirmation: Notch Pay confirms the payment status and notifies your application

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Supported QR Code Standards

Notch Pay supports various QR code payment standards depending on the region:

• EMVCo QR Code
• Proprietary QR codes for specific payment providers

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Integration Example

// Create a payment
fetch('https://api.notchpay.co/payments', {
  method: 'POST',
  headers: {
    'Authorization': 'YOUR_PUBLIC_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 5000,
    currency: 'XAF',
    customer: {
      name: 'John Doe',
      email: 'john@example.com'
    },
    description: 'Payment for Order #123',
    reference: 'order_123'
  })
})
.then(response => response.json())
.then(data => {
  // Process with QR Code
  fetch(`https://api.notchpay.co/payments/${data.transaction.reference}/qrcode`, {
    headers: {
      'Authorization': 'YOUR_PUBLIC_KEY'
    }
  })
  .then(response => response.json())
  .then(qrData => {
    // Display QR code to customer
    document.getElementById('qrcode-container').innerHTML = `<img src="${qrData.qr_code_url}" alt="Scan to pay">`;
  })
})

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Country-Specific Information

Different payment methods have varying levels of adoption and success rates across African countries. Here’s a breakdown of the most effective payment methods by country:

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Best Practices

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Method-Specific Best Practices

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Troubleshooting

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Common Issues and Solutions

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Error Codes

Here are some common error codes you might encounter when processing alternative payment methods:

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Testing

Testing is a critical part of implementing alternative payment methods. Notch Pay provides a comprehensive sandbox environment that allows you to simulate various payment scenarios without processing real transactions.

The Testing Guide includes everything you need to thoroughly test your integration with alternative payment methods, including test credentials, test scenarios, webhook testing, fraud detection information, and steps for going to production.

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Support

If you encounter issues with any payment method:

• Check the API Reference for detailed parameter documentation
• Review our Troubleshooting Guide for common issues and solutions
• Contact our support team for assistance

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Next Steps

• Mobile Money - Learn about our Mobile Money integration
• Collect - Use our hosted payment page for a quick integration
• Webhooks - Set up webhooks for payment notifications
• Dashboard - Learn how to use the Notch Pay Dashboard to manage transactions