Payment verification

Verify payments before you complete the transaction.

A screenshot is not a payment. ScanPay confirms the details of a transaction — amount, reference, method, status — so businesses and individuals can act on what actually happened instead of what they were told.

Start verifying payments See how it works
ReturnsAmount & reference
Available viaDashboard or API
StatesVerified / Pending / Failed
Verification result

Transaction amount

KES 24,500.00

Verified
Payment reference
SPV-8F2A41C9
Payment method
M-Pesa
Sender
A. Njoroge · 2547•• ••1042
Recipient
Kilimani Traders Ltd
Date & time
18 Aug 2026, 14:32:07
Transaction status
Completed
Why it matters

Decide with confirmed information.

Verification sits at the moment of highest risk in a transaction: the point where one side has to move first.

Confirm payment details

Check the amount, reference and method against the transaction you are about to complete.

Reduce transaction risk

Stop relying on messages, screenshots or verbal confirmation before releasing anything of value.

Improve transaction confidence

Both sides of a transaction can see the same status, which removes most of the back and forth.

Keep clear records

Every verification leaves a reference, a method, a status and a timestamp you can look up later.

Fit existing workflows

Call verification from the point in your system where the decision to proceed is actually made.

How payment verification works

Four stages, from money moving to a decision you can defend.

The same sequence whether a person checks it in the dashboard or a system calls the API.

Step 01

Payment made

A customer or buyer pays through the method you accept.

AmountKES 24,500.00
Step 02

Payment detected

ScanPay receives or checks the payment information for that transaction.

ReferenceSPV-8F2A41C9
Step 03

Payment verified

The transaction details are confirmed and the status is updated.

Status Verified
Step 04

Transaction completed

You release the product, service, access or funds and move on.

ResultOrder released
Integration

Put verification where the decision happens.

Call the API before you release an order, or subscribe to the webhook and let ScanPay tell your system the moment a transaction is verified.

  • Verify by transaction reference from any server-side language
  • Subscribe to transaction.verified for push updates
  • Every event carries the reference you can trace back

Verification confirms the payment information ScanPay holds for a transaction. It is not a credit check, an identity check, or a guarantee about the other party's conduct.

View developer documentationTalk to ScanPay
verify-payment.js 
// Confirm the payment before releasing the order
const tx = await scanpay.payments.verify({
  reference: "SPV-8F2A41C9"
});

if (tx.status === "verified") {
  await orders.release(tx.metadata.orderId);
}

// tx -> { amount, reference, method, status, verifiedAt }
Use cases

Where verification earns its place.

Online businesses

  • Customer pays online
  • ScanPay verifies the payment
  • Business processes the order

Marketplaces

  • Buyer pays for a listing
  • Transaction is verified
  • Seller is cleared to proceed

Service providers

  • Customer pays the bill
  • Payment is confirmed
  • Service is activated

Digital platforms

  • App initiates the payment
  • ScanPay verifies the transaction
  • Platform receives confirmation

Individuals

  • Buyer sends payment
  • You verify it independently
  • You hand over the item

Finance teams

  • Payment arrives
  • Reference is matched
  • Ledger is reconciled
Questions

Payment verification FAQs.

A customer makes a payment. ScanPay receives or checks the relevant payment information for that transaction. The details — amount, reference, method and status — are confirmed, and your business or system is notified so you can complete the transaction.

Yes. Verification can run through the API and webhooks so your system is told when a transaction reaches a verified state, rather than someone checking manually.

Yes. Verification is available through the ScanPay API, so it can be called from a website, a mobile application, or an internal business system at the point where you need to decide whether to proceed.

The transaction amount, the payment reference, the payment method, the date and time, and the current verification status.

No. Verification confirms what happened with the payment so you are acting on confirmed information instead of an unverified claim. It reduces uncertainty; it does not remove every risk from a transaction.

Continue exploring

Related ScanPay services that connect to this one.

Escrow Solutions Facilitate transactions where payment must be confirmed first. Payment Gateway Accept and process payments across your channels. Transaction Infrastructure One API and transaction record across every service. For Developers API, webhooks and transaction events.

Start verifying payments.

Bring payment verification into the moment your business decides to proceed.

Start verifying payments Contact ScanPay