C2B Merchants

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Overview

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How C2B Payments Work

┌─────────────┐         ┌─────────────┐         ┌─────────────┐
│   Customer  │────────▶│    Agent    │────────▶│  Merchant   │
│             │ Initiates│             │  Pays   │             │
│             │  Payment │             │         │             │
└─────────────┘         └─────────────┘         └─────────────┘
                              │
                              │ Validates & Confirms
                              ▼
                        ┌─────────────┐
                        │   Sarafa    │
                        │   System    │
                        └─────────────┘

1. Customer initiates a payment request
2. Agent processes the payment through Sarafa platform
3. System validates transaction with merchant
4. Payment is transferred to merchant account
5. Merchant receives confirmation webhook

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Prerequisites

1. Create a Merchant Account
   • Register at merchant.sarafa.ss
   • Complete account verification
2. Obtain Merchant Code
   • Upon registration, you’ll receive a unique 6-digit merchant code
   • This code is used by agents to identify your business
   • Keep this code secure and share only with authorized agents
3. Configure Webhook URLs (for Method 1)
   • Set up a validation URL to receive payment validation requests
   • Set up a confirmation URL to receive payment success notifications

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Method 1: Direct Agent Payment

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Agent Setup

• Download: Google Play Store

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Payment Process

1. Agent Opens App
   • Agent launches the Sarafa Agents app
   • Navigates to Merchant Pay
2. Enter Payment Details
   • Merchant Code: Your 6-digit merchant code
   • Account Number: Transaction ID or unique identifier for the payment
     • This can be an order number, invoice ID, or any reference number you provide to the customer
3. Validation Webhook
   • System sends a validation request to your configured webhook URL
   • Your system should verify the transaction details and respond with approval or rejection
4. Complete Payment
   • If validation is successful, agent proceeds to complete the payment
   • Funds are transferred to your merchant account
5. Confirmation Webhook
   • Upon successful payment, a confirmation webhook is sent to your system
   • This contains the complete transaction details for your records

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Webhook Integration

POST {your_validation_url}
{
  "merchant_id": "123123",
  "account_no": "1234567890",
  "amount": 5,
  "currency": "USD",
  "status": "validate"
}

{
  "status": "success",
  "message": "Transaction verified and approved."
}

{  
	"status": "failed",  
	"message": "Invalid account/merchant_id number or incorrect amount."
	}

POST {your_confirmation_url}
{
  "merchant_id": "123123",
  "account_no": "1234567890",
  "amount": 5,
  "currency": "USD",
  "status": "completed",
  "tx_id": "TX_89323892"
}

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Method 2: Payment Widget Integration

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Implementation

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Required URL Parameters

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Example Integration

// JavaScript redirect example
const checkoutUrl = new URL('https://checkout.sarafa.ss');
checkoutUrl.searchParams.append('amount', '10000');
checkoutUrl.searchParams.append('currency', 'SSP');
checkoutUrl.searchParams.append('publicKey', 'pk_live_your_key');
checkoutUrl.searchParams.append('reference', 'INV-2025-001');
checkoutUrl.searchParams.append('successUrl', 'https://yoursite.com/success');
checkoutUrl.searchParams.append('cancelUrl', 'https://yoursite.com/cancel');

window.location.href = checkoutUrl.toString();

https://checkout.sarafa.ss?amount=10000&currency=SSP&publicKey=pk_live_abc123&reference=INV-2025-001&successUrl=https://yoursite.com/success&cancelUrl=https://yoursite.com/cancel

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Payment Flow

1. Customer Redirect
   • Customer is redirected to Sarafa checkout page
   • Payment details are pre-filled from URL parameters
2. QR Code Display
   • Sarafa checkout page displays a QR code
   • Customer presents their device to a nearby merchant/agent
3. Merchant Scans QR
   • Merchant scans the QR code using the Sarafa Agents app
   • Payment details are automatically populated
4. Payment Completion
   • Merchant/agent confirms and processes the payment
   • Transaction is completed in real-time
5. Customer Redirect
   • On success: Customer is redirected to your successUrl
   • On cancel: Customer is redirected to your cancelUrl
   • Payment reference and transaction details are included in the redirect

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Success Callback

https://yoursite.com/success?reference=INV-2025-001&transaction_id=TXN-789012&status=success

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Benefits of Each Method

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Method 1: Direct Agent Payment

• ✅ Simple integration with webhooks
• ✅ Direct communication between agent and merchant
• ✅ Real-time validation of transactions
• ✅ Ideal for in-person transactions

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Method 2: Payment Widget

• ✅ Seamless customer experience
• ✅ QR code-based payment flow
• ✅ Automatic redirect handling
• ✅ Perfect for e-commerce integration

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Security Best Practices

1. Protect Your Credentials
   • Only use your Public Key and never the Private Key
   • Use HTTPS for all webhook URLs
2. Validate Webhooks
   • Validate transaction amounts, currencies and references
   • Implement idempotency to prevent duplicate processing. A transaction ID for every completed transaction will be provided.
3. Monitor Transactions
   • Regularly review transactions in the merchant portal
   • Reconcile payments periodically.

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Support

• Visit: merchant.sarafa.ss
• Contact Sarafa support team through [email protected]

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Getting Started Checklist

• Register merchant account at merchant.sarafa.ss
• Note down your 6-digit merchant code
• Obtain your public key from merchant portal
• Set up webhook URLs (for Method 1)
• Test payment flow with small amounts
• Integrate chosen method into your system
• Train staff on accepting C2B payments
• Go live and start accepting payments!