LigdiCash Wallet

Identity

Field	Value
Operator	LigdiCash Wallet
`operator_id`	-
`operator_name`	LIGDICASH [OPERATOR_NAME]
Number format	`country code` + local number (no `+` or spaces)
Validation mode	SMS OTP

The LigdiCash Wallet uses two endpoints distinct from the other operators (/v02). The flow is different: a first call triggers the OTP being sent, a second call submits the transaction with the OTP.

Validation mode: SMS OTP

The customer receives an OTP code on their LigdiCash app or by SMS after your first request. They share this code with you. You then submit a second request with the OTP to finalize the transaction.

Recommended UX

Collect the customer's number

Your form collects the phone number associated with the customer’s LigdiCash account.

Send the OTP — first request

Call GET /pay/v02/debitotp/{phone_number}/{amount}. LigdiCash sends an OTP to the customer.

Display the OTP field

After confirmation that the OTP was sent ("error": false), display an input field for the OTP. Tell the customer to check their LigdiCash app or SMS messages.

Submit with the OTP — second request

Call POST /pay/v02/debitwallet/withotp with the number in customer and the OTP in otp.

Wait for the callback

Show a waiting indicator. Confirmation arrives via your callback_url.

Step 1 — Send the OTP

GET https://app.ligdicash.com/pay/v02/debitotp/{phone_number}/{amount}

The phone_number and amount parameters are path parameters, not a JSON body.

Headers

string

required

The API key of your LigdiCash project.

string

required

Your API TOKEN prefixed with Bearer .

string

required

Must be application/json.

Path parameters

string

required

Customer’s phone number in the format country code + local number, without + or spaces.

integer

required

Amount in XOF (integer, no decimals).

Example

curl -X GET "https://app.ligdicash.com/pay/v02/debitotp/22670000000/5000" \
  -H "Apikey: {API_KEY}" \
  -H "Authorization: Bearer {API_TOKEN}" \
  -H "Accept: application/json"

const phone = "22670000000";
const amount = 5000;

const response = await fetch(
  `https://app.ligdicash.com/pay/v02/debitotp/${phone}/${amount}`,
  {
    method: "GET",
    headers: {
      Apikey: process.env.LIGDICASH_API_KEY,
      Authorization: `Bearer ${process.env.LIGDICASH_API_TOKEN}`,
      Accept: "application/json",
    },
  }
);

const data = await response.json();

$phone = "22670000000";
$amount = 5000;

$ch = curl_init("https://app.ligdicash.com/pay/v02/debitotp/{$phone}/{$amount}");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, [
  "Apikey: " . $_ENV["LIGDICASH_API_KEY"],
  "Authorization: Bearer " . $_ENV["LIGDICASH_API_TOKEN"],
  "Accept: application/json",
]);

$data = json_decode(curl_exec($ch), true);
curl_close($ch);

Response

Success

{
  "error": false,
  "message": "OTP sent. Please check your phone."
}

Check that error is false before displaying the OTP field. If error is true, show an error message and do not offer OTP input.

Step 2 — Validate with the OTP

POST https://app.ligdicash.com/pay/v02/debitwallet/withotp

Headers

string

required

The API key of your LigdiCash project.

string

required

Your API TOKEN prefixed with Bearer .

string

required

Must be application/json.

string

required

Must be application/json.

Body

Same structure as the /pay/v01/straight/checkout-invoice/create endpoint, with customer filled and otp containing the code received by the customer.

Example

curl -X POST https://app.ligdicash.com/pay/v02/debitwallet/withotp \
  -H "Apikey: {API_KEY}" \
  -H "Authorization: Bearer {API_TOKEN}" \
  -H "Accept: application/json" \
  -H "Content-Type: application/json" \
  -d '{
    "commande": {
      "invoice": {
        "items": [
          {
            "name": "Pro Subscription",
            "description": "Premium access for 1 month",
            "quantity": 1,
            "unit_price": 5000,
            "total_price": 5000
          }
        ],
        "total_amount": 5000,
        "devise": "XOF",
        "description": "Pro Subscription — January 2025",
        "customer": "22670000000",
        "customer_firstname": "Amadou",
        "customer_lastname": "Diallo",
        "customer_email": "amadou@example.com",
        "external_id": "",
        "otp": "123456"
      },
      "store": {
        "name": "MyApp",
        "website_url": "https://myapp.com"
      },
      "actions": {
        "cancel_url": "",
        "return_url": "",
        "callback_url": "https://myapp.com/api/callback/ligdicash"
      },
      "custom_data": {
        "transaction_id": "ORD-2025-00042"
      }
    }
  }'

const response = await fetch(
  "https://app.ligdicash.com/pay/v02/debitwallet/withotp",
  {
    method: "POST",
    headers: {
      Apikey: process.env.LIGDICASH_API_KEY,
      Authorization: `Bearer ${process.env.LIGDICASH_API_TOKEN}`,
      Accept: "application/json",
      "Content-Type": "application/json",
    },
    body: JSON.stringify({
      commande: {
        invoice: {
          items: [
            {
              name: "Pro Subscription",
              description: "Premium access for 1 month",
              quantity: 1,
              unit_price: 5000,
              total_price: 5000,
            },
          ],
          total_amount: 5000,
          devise: "XOF",
          description: "Pro Subscription — January 2025",
          customer: "22670000000",
          customer_firstname: "Amadou",
          customer_lastname: "Diallo",
          customer_email: "amadou@example.com",
          external_id: "",
          otp: "123456",
        },
        store: { name: "MyApp", website_url: "https://myapp.com" },
        actions: {
          cancel_url: "",
          return_url: "",
          callback_url: "https://myapp.com/api/callback/ligdicash",
        },
        custom_data: { transaction_id: "ORD-2025-00042" },
      },
    }),
  }
);

const data = await response.json();

$payload = [
  "commande" => [
    "invoice" => [
      "items" => [[
        "name" => "Pro Subscription",
        "description" => "Premium access for 1 month",
        "quantity" => 1,
        "unit_price" => 5000,
        "total_price" => 5000,
      ]],
      "total_amount" => 5000,
      "devise" => "XOF",
      "description" => "Pro Subscription — January 2025",
      "customer" => "22670000000",
      "customer_firstname" => "Amadou",
      "customer_lastname" => "Diallo",
      "customer_email" => "amadou@example.com",
      "external_id" => "",
      "otp" => "123456",
    ],
    "store" => ["name" => "MyApp", "website_url" => "https://myapp.com"],
    "actions" => [
      "cancel_url" => "",
      "return_url" => "",
      "callback_url" => "https://myapp.com/api/callback/ligdicash",
    ],
    "custom_data" => ["transaction_id" => "ORD-2025-00042"],
  ],
];

$ch = curl_init("https://app.ligdicash.com/pay/v02/debitwallet/withotp");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($payload));
curl_setopt($ch, CURLOPT_HTTPHEADER, [
  "Apikey: " . $_ENV["LIGDICASH_API_KEY"],
  "Authorization: Bearer " . $_ENV["LIGDICASH_API_TOKEN"],
  "Accept: application/json",
  "Content-Type: application/json",
]);

$data = json_decode(curl_exec($ch), true);
curl_close($ch);

Expected response

{
  "response_code": "00",
  "token": "eyJ0eXAiOiJKV1Qi...",
  "response_text": "Votre requête est en cours de traitement",
  "wiki": "https://client.ligdicash.com/wiki/createInvoice"
}

{
  "response_code": "01",
  "token": "",
  "response_text": "Echec (Code00)",
  "wiki": "https://client.ligdicash.com/wiki/createInvoice"
}

Store the token returned by /debitwallet/withotp. This is the one you will use to call confirm when the callback is received.

Limits

Parameter	Value
Minimum amount	10 XOF
Maximum amount	2,000,000 XOF
Daily limit	—

Validation modes — SMS OTP — details of the two-request flow
Verify the status — call confirm after the callback

Getting started

Core concepts

Payment API

Guides

Error handling

SDKs & Plugins

Other products

AI tools

Resources

Identity

Validation mode: SMS OTP

Recommended UX

Step 1 — Send the OTP

Headers

Path parameters

Example

Response

Step 2 — Validate with the OTP

Headers

Body

Example

Expected response

Limits

​Identity

​Validation mode: SMS OTP

​Recommended UX

​Step 1 — Send the OTP

​Headers

​Path parameters

​Example

​Response

​Step 2 — Validate with the OTP

​Headers

​Body

​Example

​Expected response

​Limits

​Related pages

Identity

Validation mode: SMS OTP

Recommended UX

Step 1 — Send the OTP

Headers

Path parameters

Example

Response

Step 2 — Validate with the OTP

Headers

Body

Example

Expected response

Limits

Related pages