> ## Documentation Index > Fetch the complete documentation index at: https://docs.useaxra.com/llms.txt > Use this file to discover all available pages before exploring further. # Local rails — server-to-server > Mint deposit instructions directly from your backend. No redirect required. Enable local rails for the currencies you want to accept in your Axra dashboard before calling this endpoint. ## Create a collection `POST /business/collections` Create a collection and return deposit instructions for the customer. Amounts are in major local currency units (for example, `10000` NGN). `customer.name` and `customer.email` are optional. Both are stored on the collection record for your own reconciliation and shown in your Axra dashboard; they are not forwarded to the underlying payment provider. `customer.phone` is required for mobile money — it is forwarded to the provider so the deposit prompt reaches the right number. ### Bank transfer (NGN) ```bash theme={null} curl -X POST https://api.useaxra.com/api/v1/business/collections \ -H "x-api-key: YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "amount": 10000, "currency": "ngn", "country": "NG", "customer": { "name": "Adaobi Okeke", "email": "adaobi@example.com" }, "channel": { "rail": "bank" } }' ``` ```json Response theme={null} { "id": "lcoll_01HVXYZ123456", "object": "collection", "status": "pending", "amount": 10000, "currency": "ngn", "country": "NG", "expiresAt": "2026-05-11T12:34:56Z", "channel": { "rail": "bank", "provider": "PAGA", "channelId": "ch_01HVNG7BANK" }, "instructions": { "kind": "bank_transfer", "bankName": "Indulge MFB", "accountNumber": "9906154084", "accountName": "AXRA / Your Business", "reference": null }, "metadata": null, "businessPaymentId": "bp_01HVXYZ123456", "createdAt": "2026-05-11T12:24:56Z" } ``` ### Mobile money (KES — M-PESA) `customer.phone` is required for MoMo collections. ```bash theme={null} curl -X POST https://api.useaxra.com/api/v1/business/collections \ -H "x-api-key: YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "amount": 5000, "currency": "kes", "country": "KE", "customer": { "name": "James Kamau", "email": "james@example.com", "phone": "+254712345678" }, "channel": { "rail": "momo" } }' ``` ```json Response theme={null} { "id": "lcoll_01HVXYZ789012", "object": "collection", "status": "pending", "amount": 5000, "currency": "kes", "country": "KE", "expiresAt": "2026-05-11T12:44:56Z", "channel": { "rail": "momo", "provider": "M-PESA", "channelId": "ch_01HVKE7MOMO" }, "instructions": { "kind": "momo_prompt", "phone": "+254712345678", "prompt": "Approve the payment prompt from your mobile money provider." }, "metadata": null, "businessPaymentId": "bp_01HVXYZ789012", "createdAt": "2026-05-11T12:34:56Z" } ``` ### Instant EFT (ZAR — Ozow) For hosted-page rails, redirect the customer to `instructions.url` or pass `successUrl` when creating the collection. ```bash theme={null} curl -X POST https://api.useaxra.com/api/v1/business/collections \ -H "x-api-key: YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "amount": 2500, "currency": "zar", "country": "ZA", "customer": { "name": "Thabo Mokoena", "email": "thabo@example.com" }, "channel": { "rail": "eft" }, "successUrl": "https://yourapp.com/orders/ord_123/success" }' ``` ```json Response theme={null} { "id": "lcoll_01HVXYZ345678", "object": "collection", "status": "pending", "amount": 2500, "currency": "zar", "country": "ZA", "expiresAt": "2026-05-11T12:49:56Z", "channel": { "rail": "eft", "provider": "Ozow", "channelId": "ch_01HVZA7EFT" }, "instructions": { "kind": "hosted_page", "url": "https://pay.ozow.com/...", "provider": "Ozow" }, "metadata": null, "businessPaymentId": "bp_01HVXYZ345678", "createdAt": "2026-05-11T12:39:56Z" } ``` ## Handle the completion webhook Fulfill orders when Axra delivers `collection.completed`, not when you return deposit instructions to the customer. 1. Subscribe to `collection.completed` on your webhook endpoint (or include it in the endpoint event list). 2. Verify `X-Axra-Signature` against the raw request body using your webhook secret. See [Webhooks](/manage/webhooks). 3. Read `data.object` — the payload mirrors `GET /business/collections/{id}`. 4. Mark the order paid and release goods or services only after `status` is `completed`. ```javascript theme={null} app.post('/webhooks/axra', (req, res) => { const signature = req.headers['x-axra-signature']; if (!verifyWebhookSignature(req.rawBody, signature, process.env.AXRA_WEBHOOK_SECRET)) { return res.status(401).send('Invalid signature'); } const { event, data } = req.body; if (event === 'collection.completed' && data.object.status === 'completed') { fulfillOrder(data.object.metadata?.orderId, data.object.id); } res.status(200).send('OK'); }); ``` ## Channel discovery List channels before creating a collection when your UI needs to show available rails dynamically, or to discover the per-channel minimum and maximum amounts. ```bash theme={null} curl "https://api.useaxra.com/api/v1/business/local-rails/channels?country=NG¤cy=ngn&amount=10000" \ -H "x-api-key: YOUR_API_KEY" ``` Each channel in the response includes `min` and `max` in the local currency's major units. `min: 0` means no lower bound; `max: 0` means no upper bound. Filter or sort on these in your UI so customers don't see rails their amount doesn't qualify for. ```json theme={null} { "channels": [ { "rail": "bank", "provider": "Paystack", "providerHint": "PAYSTACK", "min": 100, "max": 0 }, { "rail": "momo", "provider": "MTN Uganda", "providerHint": "MTN_UGANDA", "min": 15000, "max": 0 } ] } ``` ### Minimums and maximums Local-rail channels have provider-side minimum (and sometimes maximum) amounts. If you call `POST /business/collections` with an `amount` that doesn't fit any channel for the requested `rail` and `country/currency`, you get a `400` with the actual minimum surfaced: ```json theme={null} { "success": false, "error": { "code": "Amount 5000 UGX does not fit any momo channel for UG (minimum is 15000 UGX). Call GET /v1/business/local-rails/channels?country=UG¤cy=ugx&amount=5000 to see what's available.", "statusCode": 400 } } ``` These limits are set by our settlement partners per corridor and change without notice — always read them from `/business/local-rails/channels` rather than hard-coding values in your client. ## Idempotency Pass `idempotencyKey` on create to dedupe retries within one hour. A duplicate key returns the original collection instead of minting a second virtual account. ## Polling Webhooks are the source of truth. If you must poll, call `GET /business/collections/{id}` about every five seconds while `status` is `pending` or `processing`. Use `GET /business/collections/{id}/refresh` to force a provider resync before giving up. ## Status reference | Status | Meaning | | ------------ | --------------------------------------------------------------------------------- | | `pending` | Deposit instructions are active; waiting for customer payment. | | `processing` | Inbound funds detected; settlement is in progress. | | `completed` | Collection settled; merchant USDC wallet credited. | | `failed` | Collection failed (amount mismatch, provider rejection, or other terminal error). | | `expired` | Instructions expired before payment arrived. | ## Error codes | HTTP | Code | When | | ----- | ------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `400` | `currency_unsupported` | Currency or country is not enabled for your business, or the requested currency is not yet live (for example GHS). | | `400` | `customer_phone_required` | `channel.rail` is `momo` but `customer.phone` is missing. | | `400` | — | Amount is below the channel minimum or above the maximum for the requested rail. The error message includes the actual min/max. Discover both upfront via `/business/local-rails/channels`. | | `400` | — | The requested rail is not available for the given country/currency. The error message lists which rails ARE available. | | `404` | — | Collection id does not exist for your business. | Full endpoint documentation.