Transactions are the core collection records in Kyshi. Use them when you want to initialize a checkout, create a bank-transfer charge, verify a payment, or reconcile payments from your backend.

Recommended Flow

Initialize a transaction from your server with POST /v1/transactions/initialize.
Send the customer to the returned checkout URL.
Listen for your webhook so your system is updated automatically.
Verify the transaction by reference before giving value to the customer.
Reconcile periodically with transaction history.

Choosing Amount Currency

Use amountCurrency to tell Kyshi what the amount means.

Value	Use When
`settlement`	You price in your settlement currency and want Kyshi to convert to the customer's local currency.
`local`	You already know the exact amount the customer should pay in `localCurrency`.

Integration Notes

Send amounts in major currency units, for example 1000 for 1000 NGN.
Use your own unique reference when you need to reconcile against your order ID.
Always verify the transaction server-side after checkout or webhook receipt.
Keep your secret key on your server. Do not initialize payments directly from a browser or mobile app.

For exact request and response schemas, see Reference > Transactions.