> For the complete documentation index, see [llms.txt](https://monicredit.gitbook.io/mc-api/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://monicredit.gitbook.io/mc-api/transactions/initiate-transaction.md).

# Initiate Transaction

```json
{
"order_id": "new1111",
"public_key": "PUB_TEST_0000000000",
"customer": {"first_name":"newauto","last_name":"credit","email":"hellfo1221@au4tocredit.ng","phone":"00000000", "bvn": "00000", "nin":"000000"},
"items": [
    {
        "item":"Acceptnce fee",
        "revenue_head_code": "REV630c9bbd965c7",
        "unit_cost":10000.43, 
        "split_details": [
            {
            "sub_account_code": "SB630c9b61eef40",
            "fee_percentage": 60,
            "fee_flat": 0
            },
            {
            "sub_account_code": "SB630c9b61eef40",
            "fee_percentage": 40,
            "feeFlat": 0
            }
        ]
    }, 
    {
        "item":"School Fee",
        "revenue_head_code": "REV630c9bbd965c7",
        "unit_cost":50000.33, 
        "split_details": [
            {
            "sub_account_code": "SB630c9b61eef40",
            "fee_percentage": 40,
            "feeFlat": 0
            },
            {
            "sub_account_code": "SB630c9b61eef40",
            "fee_percentage": 60,
            "feeFlat": 0
            }
        ]
    }
],
"currency": "NGN",
"paytype": "standard"
}
```

<mark style="color:green;">`POST`</mark> `https://demo.backend.monicredit.com/api/v1/payment/transactions/init-transaction`

#### Headers

| Name                                     | Type   | Description      |
| ---------------------------------------- | ------ | ---------------- |
| Accept<mark style="color:red;">\*</mark> | String | application/json |

{% tabs %}
{% tab title="200: OK Inline Initiate Transaction" %}

```json
{
"status": true,
    "data": {
        "amount": 60001,
        "charges": 66,
        "total_amount": 60067,
        "transid": "ACX629037D6CFEE8",
        "merchant": {
            "business_name": "MONI INVENTS",
            "business_email": "info@moni.ac",
            "business_logo": null,
            "account_id": "TESTACCOUNT",
            "account": {
                "id": "TESTACCOUNT",
                "aggregator_id": "AGG628d3c8427bc4"
            }
        },
        "customer": {
            "customer_id": "CUS628ebb5657700",
            "customer_email": "hellfo1221@au4tocredit.ng",
            "account_name": "MC|newauto credit-AGG628d3c842",
            "account_number": "7764338553",
            "bank_name": "WEMA",
            "balance": 0
        }
    }
}
```

{% endtab %}

{% tab title="200: OK Standard Initiate Transaction" %}

```json
{
    "status": true,
    "authorization_url": "https://demo.backend.monicredit.com/payment/checkout/ACX00000000",
    "id": "ACX00000000"
}
```

{% endtab %}
{% endtabs %}