Pay with rafiqPay & saved details
Customers with a rafiqPay wallet can pay your checkout from it with an emailed code and their 4-digit wallet PIN.
Paying from a rafiqPay wallet
On the checkout page the customer picks Pay with rafiqPay and names their wallet by phone number or email. rafiqPay sends a 6-digit code to the wallet’s email; the customer enters it, sees their balance, and pays with their 4-digit wallet PIN. The wallet’s daily limit and any security hold still apply.
The money moves inside rafiqPay, so the payment is settled the moment it is made. The fee is 0.5%, capped at ₦500. Pass walletFeePaidBy: "customer" when you create the session to have the customer pay that fee on top of the amount; by default you pay it.
What is saved, and how it is removed
Nothing is saved across businesses. rafiqPay does not keep a customer’s card or phone for one-click checkout at other businesses.
A card is saved only when you create the session with saveCard: true and the customer ticks "Save this card with {your business} for future payments". It is saved for your business alone. See Saved cards.
Customers cannot remove a saved card themselves: there is no removal link on the receipt or anywhere else. A customer who wants their card removed asks you, and you remove it from the customer’s page in the dashboard or with DELETE /v1/payment-methods/:id. It can never be charged again, and you get payment_method.removed.