curl --request POST \
  --url https://api.notchpay.co/payments/{reference} \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '{
  "channel": "cm.mtn",
  "data": {
    "phone": 237680000000,
    "account_number": "<string>",
    "country": "CM"
  },
  "client_ip": "<string>"
}'

{
  "status": "Accepted",
  "message": "Payment processing initiated",
  "code": 202,
  "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"
  }
}