Fintech API Integration

Hugo Pay E-Payment APIs

Connect your custom websites, apps, or ERP inventory systems directly to mobile payment providers. Initiate M-Pesa STK push checkouts and receive secure webhook settlements in seconds.

API Transaction Builder

Simulate requests to observe JSON handshakes

Under the Hood: API Playground

Inspect code payloads and transaction status webhooks.

POST https://api.hugo-systems.online/v1/payments/initiateHTTPS Auth Header

JSON Request Payload

{
  "merchant_id": "mch_hugo_nrb_048",
  "amount": 1550,
  "currency": "KES",
  "payment_method": "MPESA_EXPRESS",
  "callback_url": "https://client.co.ke/hooks",
  "customer": {
    "phone": "254712345678",
    "email": "customer@merchant.ke"
  }
}

JSON Response Object

{
  "status": "pending",
  "transaction_id": "tx_hugo_749392",
  "checkout_request_id": "ws_CO_23062026_839392",
  "message": "Secure payment prompt initiated",
  "timestamp": "2026-08-11T06:07:39.047Z"
}

Consolidated API Streams

[SYSTEM] Sandbox initialized. Listening on port 3000.

[SYSTEM] Webhook listener ready at https://api.hugo-systems.online/webhooks/mpesa_callback

99.99% Webhook SLA

Our redundant callback workers retry failing end-merchant servers up to 12 times with exponential backoff, ensuring no client payment alerts are dropped.

Dual Sandbox / Live

Develop instantly with test sandbox credential keys `hg_test_•••` before promoting your software to audited production lines with standard JWT authorization.

Secure Token Cryptography

All client payloads and callback payloads are signed using custom HMAC-SHA256 headers. Verify incoming logs to prevent malicious spoofing attacks.

Integrate Hugo Pay Into Your App

Book a live sandbox session with our engineers. We will walk you through M-Pesa STK Push, card tokenization, and webhook setup for your specific use case.