> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monirates.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Made

> Confirm payment for an initiated exchange has been made

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](/guides/index).

<Note>
  If `buyerDebitPaymentMethod` is `WALLET`, payment confirmation is handled automatically. You do not need to call this endpoint.
</Note>

***

## Request Body

The request body depends on the `buyerDebitPaymentMethod` of the exchange.

### 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.

```json theme={null}
{
  "buyerPaymentProofUrl": "PAYMENT_PROOF--test.j-4dcb9079-4208-4069-8a12-0e60295be8e8.jpg"
}
```

### 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.

```json theme={null}
{}
```

***

## Response

A successful request returns the updated exchange order with `status` changed to `PROCESSING` and `buyerMadePayment` set to `true`.

```json theme={null}
{
  "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"
  }
}
```

### Key Response Fields

| Field                  | Value after this call  | Description                                                                  |
| ---------------------- | ---------------------- | ---------------------------------------------------------------------------- |
| `status`               | `PROCESSING`           | Monirates has received the payment confirmation and is processing the order. |
| `buyerMadePayment`     | `true`                 | Confirms payment notification was received.                                  |
| `buyerPaymentProofUrl` | Filename or URL string | Only populated when a proof image was provided.                              |