curl --request POST \
  --url https://staging.api.payluk.ng/v1/payment/verify \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'customer-id: <customer-id>' \
  --data '
{
  "reference": "99999533334",
  "otp": "123456"
}
'

import requests

url = "https://staging.api.payluk.ng/v1/payment/verify"

payload = {
    "reference": "99999533334",
    "otp": "123456"
}
headers = {
    "customer-id": "<customer-id>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'customer-id': '<customer-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({reference: '99999533334', otp: '123456'})
};

fetch('https://staging.api.payluk.ng/v1/payment/verify', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://staging.api.payluk.ng/v1/payment/verify",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'reference' => '99999533334',
    'otp' => '123456'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "customer-id: <customer-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://staging.api.payluk.ng/v1/payment/verify"

	payload := strings.NewReader("{\n  \"reference\": \"99999533334\",\n  \"otp\": \"123456\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("customer-id", "<customer-id>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://staging.api.payluk.ng/v1/payment/verify")
  .header("customer-id", "<customer-id>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"reference\": \"99999533334\",\n  \"otp\": \"123456\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://staging.api.payluk.ng/v1/payment/verify")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["customer-id"] = '<customer-id>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"reference\": \"99999533334\",\n  \"otp\": \"123456\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "message": "Payment intent verified successfully",
  "data": {
    "id": "6a3cea83734e96016b227460",
    "amount": 1000,
    "reference": "t53gtryhtyut",
    "fee": 0,
    "transactionType": "wallet_transfer",
    "currency": "NGN",
    "transferDetails": null,
    "cardId": null,
    "walletDetails": {
      "phone": "09022334422",
      "name": "King David",
      "narration": "test"
    },
    "blockchainDetails": null,
    "withdrawalDetails": null,
    "escrowDetails": null,
    "metadata": null,
    "status": "success",
    "creditType": "debit",
    "createdAt": "2026-06-25T08:44:51.817Z",
    "updatedAt": "2026-06-25T08:46:39.479Z"
  }
}

{
  "status": 400,
  "message": "amount is required",
  "data": {}
}

{
  "status": 429,
  "message": "Too many request"
}