curl --request POST \
  --url https://business-api.userivo.co/business/v1/payments/initiate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 50000,
  "currency": "NGN",
  "customer": {
    "email": "customer@example.com",
    "name": "John Doe"
  },
  "reference": "my_custom_ref_123",
  "redirectUrl": "https://example.com/payment-success"
}
'

import requests

url = "https://business-api.userivo.co/business/v1/payments/initiate"

payload = {
    "amount": 50000,
    "currency": "NGN",
    "customer": {
        "email": "customer@example.com",
        "name": "John Doe"
    },
    "reference": "my_custom_ref_123",
    "redirectUrl": "https://example.com/payment-success"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    amount: 50000,
    currency: 'NGN',
    customer: {email: 'customer@example.com', name: 'John Doe'},
    reference: 'my_custom_ref_123',
    redirectUrl: 'https://example.com/payment-success'
  })
};

fetch('https://business-api.userivo.co/business/v1/payments/initiate', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://business-api.userivo.co/business/v1/payments/initiate",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 50000,
    'currency' => 'NGN',
    'customer' => [
        'email' => 'customer@example.com',
        'name' => 'John Doe'
    ],
    'reference' => 'my_custom_ref_123',
    'redirectUrl' => 'https://example.com/payment-success'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://business-api.userivo.co/business/v1/payments/initiate"

	payload := strings.NewReader("{\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"customer\": {\n    \"email\": \"customer@example.com\",\n    \"name\": \"John Doe\"\n  },\n  \"reference\": \"my_custom_ref_123\",\n  \"redirectUrl\": \"https://example.com/payment-success\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://business-api.userivo.co/business/v1/payments/initiate")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"customer\": {\n    \"email\": \"customer@example.com\",\n    \"name\": \"John Doe\"\n  },\n  \"reference\": \"my_custom_ref_123\",\n  \"redirectUrl\": \"https://example.com/payment-success\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://business-api.userivo.co/business/v1/payments/initiate")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 50000,\n  \"currency\": \"NGN\",\n  \"customer\": {\n    \"email\": \"customer@example.com\",\n    \"name\": \"John Doe\"\n  },\n  \"reference\": \"my_custom_ref_123\",\n  \"redirectUrl\": \"https://example.com/payment-success\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": "success",
  "message": "Payment link created successfully",
  "data": {
    "reference": "my_custom_ref_123",
    "code": "abc123def456",
    "link": "https://payment.userivo.co/checkout/abc123def456"
  }
}