paylod: M-Pesa payments without a backend

import { Paylod } from "@paylod/node";

const paylod = new Paylod(process.env.PAYLOD_API_KEY!);

const outcome = await paylod.collectAndWait({
  amount: 100,
  phone: "0712345678",
  idempotencyKey: attempt.id,   // one key per payment attempt
});

if (outcome.paid) console.log("Paid:", outcome.receipt);
else console.log(outcome.message);   // already decoded, safe to show a customer

# collectAndWait is SDK sugar: POST /collect, then poll GET /status/:id.
curl -X POST https://paylod.dev/functions/v1/collect \
  -H "Authorization: Bearer mp_test_YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: att_9f2c1b40" \
  -d '{ "amount": 100, "phone": "254712345678" }'
# → 202 { "paymentId": "...", "status": "pending" }
# then poll GET /functions/v1/status/{paymentId} until status is success or failed

use Paylod\Paylod;

$paylod = new Paylod($_ENV['PAYLOD_API_KEY']);

$outcome = $paylod->collectAndWait([
    'amount' => 100,
    'phone' => '0712345678',
    'idempotencyKey' => $attempt->id,   // one key per payment attempt
]);

if ($outcome->paid) {
    echo "Paid: {$outcome->receipt}";
} else {
    echo $outcome->message;             // already decoded, safe to show a customer
}

import os
from paylod import Paylod

paylod = Paylod(os.environ["PAYLOD_API_KEY"])

outcome = paylod.collect_and_wait(
    amount=100,
    phone="0712345678",
    idempotency_key=attempt.id,   # one key per payment attempt
)

if outcome.paid:
    print("Paid:", outcome.receipt)
else:
    print(outcome.message)        # already decoded, safe to show a customer

import dev.paylod.Paylod;
import dev.paylod.PaymentOutcome;

Paylod paylod = new Paylod(System.getenv("PAYLOD_API_KEY"));

// (phone, amount, accountReference, description, idempotencyKey)
PaymentOutcome outcome =
    paylod.collectAndWait("0712345678", 100, null, null, attempt.id());

if (outcome.isPaid()) {
    System.out.println("Paid: " + outcome.getReceipt());
} else {
    System.out.println(outcome.getMessage());
}

import dev.paylod.Paylod

val paylod = Paylod(System.getenv("PAYLOD_API_KEY"))

val outcome = paylod.collectAndWait(
    phone = "0712345678",
    amount = 100,                  // whole KES
    idempotencyKey = attempt.id,   // one key per payment attempt
)

if (outcome.paid) println("Paid: ${outcome.receipt}")
else println(outcome.message)      // already decoded, safe to show a customer