curl --request POST \
  --url https://api.bizconnectpay.com/api/v1/payments \
  --header 'Authorization: Bearer <access_token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: order-9481-collection' \
  --data '{
    "amount": "15000",
    "currency": "XAF",
    "country": "CM",
    "operation": "COLLECTION",
    "payment_method": "mtn_momo",
    "payer": {
      "phone_number": "+237671234567",
      "lang": "fr"
    },
    "description": "Paiement commande 9481",
    "metadata": {
      "client_reference": "CMD-2026-9481"
    }
  }'

{
  "amount": "15000",
  "currency": "XAF",
  "country": "CM",
  "operation": "COLLECTION",
  "payment_method": "mtn_momo",
  "payer": {
    "phone_number": "+237671234567",
    "lang": "fr"
  },
  "description": "Paiement commande 9481",
  "metadata": {
    "client_reference": "CMD-2026-9481"
  }
}

{
  "success": true,
  "data": {
    "id": "c5420e62-f80a-48a8-bec8-06eabf59e486",
    "reference": "BCP-PAY-01JAC8YMJ6",
    "account_id": "53258554-7e6a-4e8c-b213-a521430f83ce",
    "application_id": "56c21aef-170e-4941-a8da-e2aba353a42a",
    "country": "CM",
    "amount": "15000.0000",
    "currency": "XAF",
    "operation": "COLLECTION",
    "payment_method": "mtn_momo",
    "environment": "LIVE",
    "description": "Paiement commande 9481",
    "metadata": {
      "client_reference": "CMD-2026-9481"
    },
    "status": "PENDING",
    "expires_at": null,
    "created_at": "2026-10-20T12:30:00.000000Z",
    "updated_at": "2026-10-20T12:30:00.000000Z"
  },
  "meta": {
    "correlation_id": "9b76a47f-914b-46ab-a15a-19d8507aa589"
  }
}