curl --request POST \
  --url https://api.notchpay.co/payments \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '{
  "amount": 5000,
  "currency": "XAF",
  "email": "john@example.com",
  "phone": 237600000000,
  "customer": "cus_123456789",
  "description": "Paiement pour commande",
  "reference": "order_123",
  "callback": "https://example.com/callback",
  "locked_currency": "XAF",
  "locked_channel": "cm.mtn",
  "locked_country": "CM",
  "items": [
    {}
  ],
  "shipping": {},
  "address": {},
  "customer_meta": {}
}'

{
  "status": "Accepted",
  "message": "Payment initialized",
  "code": 201,
  "transaction": {
    "id": "pay_123456789",
    "reference": "ref_123456789",
    "amount": 5000,
    "currency": "XAF",
    "status": "complete",
    "customer": "cus_123456789",
    "created_at": "2023-01-01T12:00:00.000Z",
    "completed_at": "2023-01-01T12:05:00.000Z",
    "payment_method": "pm.ndzAfIh555VCPML1"
  },
  "authorization_url": "https://pay.notchpay.co/pay_123456789"
}