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After sending funds to the sellerCreditPaymentDetails account from your exchange order, you must notify Monirates by calling the buyer paid endpoint. This moves the order from PENDING to PROCESSING. Endpoint: POST /order/{orderId}/buyer-paid The orderId path parameter is the _id from the response when you created the exchange.
If buyerDebitPaymentMethod is WALLET, payment confirmation is handled automatically. You do not need to call this endpoint.

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Request Body

The request body depends on the buyerDebitPaymentMethod of the exchange.

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MOBILE_MONEY

When the initiating payment method is MOBILE_MONEY, a proof of payment image is mandatory. Upload the image to your storage provider and pass the resulting filename or URL string in buyerPaymentProofUrl. The image must be openable and clearly show proof of payment. 
{
  "buyerPaymentProofUrl": "PAYMENT_PROOF--test.j-4dcb9079-4208-4069-8a12-0e60295be8e8.jpg"
}

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All Other Payment Methods

For all other payment methods (e.g. BANK_TRANSFER, STABLE_CURRENCY), proof of payment is not required. Send an empty JSON body. 
{}

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Response

A successful request returns the updated exchange order with status changed to PROCESSING and buyerMadePayment set to true. 
{
  "success": true,
  "message": "Payment recorded",
  "data": {
    "_id": "6a1d57c328131baac7e08d35",
    "globalId": "6f7dec30-5da0-11f1-87a3-c535699deb59",
    "offerId": "68f76957fba0bdb680779e54",
    "buyerGlobalId": "9f39f210-ba45-11f0-b11b-e53d26da86ed",
    "fromCurrency": {
      "name": "Naira",
      "abbr": "NGN",
      "symbol": "₦",
      "displayRate": 11.49,
      "flag": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/countries/flag/250x250/ng.png"
    },
    "toCurrency": {
      "name": "Kenyan Shilling",
      "abbr": "KES",
      "symbol": "KSh",
      "displayRate": 1,
      "flag": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/countries/flag/250x250/ke.png"
    },
    "rate": 0.0870385650474012,
    "fee": 0,
    "amount": 1220,
    "status": "PROCESSING",
    "buyerDebitPaymentMethod": "BANK_TRANSFER",
    "buyerCreditPaymentMethod": "MOBILE_MONEY",
    "buyerCreditPaymentDetails": {
      "accountName": "Kwame Asamoah",
      "accountNumber": "024555555555555",
      "providerName": "MPESA",
      "network": {
        "name": "MPESA",
        "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/mpesa.png",
        "code": "MPESA",
        "hasGateway": false
      },
      "paymentMethod": "MOBILE_MONEY",
      "iso2": "KE",
      "currency": {
        "name": "Kenyan Shilling",
        "abbr": "KES",
        "symbol": "KSh",
        "flag": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/countries/flag/250x250/ke.png",
        "bankCodeLabel": null
      },
      "isUssdCode": false,
      "_id": "6a1d57c328131baac7e08d36"
    },
    "buyerDebitPaymentDetails": {
      "accountName": "Kwame Asamoah",
      "accountNumber": "024555555555",
      "providerName": "FIRST BANK",
      "bankCode": "999024",
      "paymentMethod": "BANK_TRANSFER",
      "iso2": "NG",
      "currency": {
        "name": "Naira",
        "abbr": "NGN",
        "symbol": "₦",
        "flag": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/countries/flag/250x250/ng.png",
        "bankCodeLabel": null
      },
      "_id": "6a1d57c328131baac7e08d37"
    },
    "sellerCreditPaymentDetails": {
      "accountName": "MONIRATESLIMITE / JOHN DOE",
      "accountNumber": "8029869754",
      "providerName": "SAFE HAVEN SANDBOX BANK",
      "bankCode": "999240",
      "paymentMethod": "BANK_TRANSFER",
      "iso2": "NG",
      "currency": {
        "name": "Naira",
        "abbr": "NGN",
        "symbol": "₦",
        "flag": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/countries/flag/250x250/ng.png",
        "bankCodeLabel": null
      },
      "_id": "6a01913a7a6ab126310a083b"
    },
    "source": "BUSINESS",
    "buyerMadePayment": true,
    "hasBuyerPaymentProof": false,
    "buyerPaymentProofUrl": "PAYMENT_PROOF--test.j-4dcb9079-4208-4069-8a12-0e60295be8e8.jpg",
    "paymentReferenceCode": 139683,
    "createdAt": "2026-06-01T09:58:27.249Z",
    "updatedAt": "2026-06-01T10:06:38.991Z"
  }
}

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Key Response Fields

FieldValue after this callDescription
statusPROCESSINGMonirates has received the payment confirmation and is processing the order.
buyerMadePaymenttrueConfirms payment notification was received.
buyerPaymentProofUrlFilename or URL stringOnly populated when a proof image was provided.