curl https://api.kwugwo.africa/v1/ugwo \
  -H "Authorization: Bearer $KWUGWO_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 500000,
    "currency": "NGN",
    "ref": "order_4719",
    "description": "Order #4719",
    "onye": "ony.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE",
    "meta": { "order_id": "4719", "channel": "web" }
  }'

const res = await fetch("https://api.kwugwo.africa/v1/ugwo", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.KWUGWO_SECRET_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amount: 500000,
    currency: "NGN",
    ref: "order_4719",
    description: "Order #4719",
    onye: "ony.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE",
    meta: { order_id: "4719", channel: "web" },
  }),
});
const ugwo = await res.json();

<?php
$ch = curl_init("https://api.kwugwo.africa/v1/ugwo");
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST           => true,
    CURLOPT_HTTPHEADER     => [
        'Authorization: Bearer ' . getenv('KWUGWO_SECRET_KEY'),
        'Content-Type: application/json',
    ],
    CURLOPT_POSTFIELDS => json_encode([
        'amount'      => 500000,
        'currency'    => 'NGN',
        'ref'         => 'order_4719',
        'description' => 'Order #4719',
        'onye'        => 'ony.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE',
        'meta'        => ['order_id' => '4719', 'channel' => 'web'],
    ]),
]);
$ugwo = json_decode(curl_exec($ch), true);
curl_close($ch);

import os, requests

ugwo = requests.post(
    "https://api.kwugwo.africa/v1/ugwo",
    headers={"Authorization": f"Bearer {os.environ['KWUGWO_SECRET_KEY']}"},
    json={
        "amount": 500000,
        "currency": "NGN",
        "ref": "order_4719",
        "description": "Order #4719",
        "onye": "ony.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE",
        "meta": {"order_id": "4719", "channel": "web"},
    },
).json()

package main

import (
    "bytes"
    "encoding/json"
    "fmt"
    "io"
    "net/http"
    "os"
)

func main() {
    body, _ := json.Marshal(map[string]any{
        "amount":      500000,
        "currency":    "NGN",
        "ref":         "order_4719",
        "description": "Order #4719",
        "onye":        "ony.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE",
        "meta":        map[string]string{"order_id": "4719", "channel": "web"},
    })

    req, _ := http.NewRequest("POST", "https://api.kwugwo.africa/v1/ugwo", bytes.NewReader(body))
    req.Header.Set("Authorization", "Bearer "+os.Getenv("KWUGWO_SECRET_KEY"))
    req.Header.Set("Content-Type", "application/json")

    resp, _ := http.DefaultClient.Do(req)
    defer resp.Body.Close()
    out, _ := io.ReadAll(resp.Body)
    fmt.Println(string(out))
}

{
  "uid": "ugw.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE",
  "ref": "order_4719",
  "onye_nzube": {
    "uid": "ony.VCvr.7K2qPmRtV9xLnQ8sD1cYwHfE",
    "email": "ada@example.com",
    "first_name": "Ada",
    "last_name": "Okeke",
    "nzube_ref": "user_8821",
    "billing_address": null,
    "created_at": "2026-05-10T08:00:00+00:00",
    "updated_at": "2026-05-10T08:00:00+00:00",
    "meta": {},
    "total_successful_activities": 2,
    "total_failed_activities": 0,
    "latest_ugwo_activity": "act.VCvr.X9yLp2KmRtV7nQ8sD4cYwHfE"
  },
  "amount": 500000,
  "currency": "NGN",
  "status": "requires_ugwo",
  "description": "Order #4719",
  "created_at": "2026-05-15T09:14:22+00:00",
  "updated_at": "2026-05-15T09:14:22+00:00",
  "checkout": {
    "uid": "chk.VCvr.vBtGwathtd99FpQGIGwIAATX",
    "currency": "NGN",
    "mediums": [
      { "medium": "bank_transfer" },
      { "medium": "ussd" }
    ]
  },
  "total_amount_paid": 0,
  "fee": 0,
  "meta": { "order_id": "4719", "channel": "web" }
}

{
  "message": "nzube.ugwo.error.amount_too_low",
  "code": "not_allowed",
  "params": []
}

{
  "message": "nzube.ugwo.error.ref_already_exists",
  "code": "already_exists",
  "params": []
}

{
  "type": "validation.error",
  "title": "An error occurred",
  "status": 422,
  "detail": "This value should be of type int.",
  "message": "Validation failed",
  "errors": [
    { "field": "amount", "message": "This value should be of type int." }
  ]
}