Developer Integration Guide | Merchants-Stipe 1-Click Payments

How The Flow Works

🛒

1. Your Website

Customer clicks Pay. Your backend calls Merchants-Stipe API with customer's email & amount.

⚡

2. Merchants-Stipe SSO

Customer lands on Merchants-Stipe already logged in. Amount is pre-filled. They tap Pay.

🔄

3. Instant Return

Payment completes via Stripe (100% sanitized). Customer returns to your website in 3 seconds.

💡 Zero Friction: If the customer does not have an account, our API automatically provisions a secure account in our shared database so they never have to fill in registration forms or passwords manually.

1 Get Your Merchant API Key

Every merchant can generate their own API keys from the Merchants-Stipe Dashboard.

Sign in or create an account at merchants-stipe.online/signin.
Open your Developer API Keys tab in Dashboard.
Click + Create API Key to generate your mst_live_... key.
Include this key in the x-api-key HTTP header of your API calls.

2 Create Payment Session API

Call POST https://merchants-stipe.online/api/v1/create-session whenever a customer on your website initiates checkout.

Field	Type	Required	Description
`email`	String	Required	Customer's email. Account is auto-provisioned if they are new.
`amount`	Number	Optional	Payment amount in USD (e.g. `49.99`). Pre-fills the payment form.
`redirect_url`	String	Optional	URL on your website to redirect the customer to after payment.
`cancel_url`	String	Optional	URL to redirect the customer to if they cancel.
`merchant_ref`	String	Optional	Your internal order number or invoice reference (e.g. `INV-8910`).

Expected API Response:

{
  "success": true,
  "payment_url": "https://merchants-stipe.online/?sso_token=mst_sso_6ef3b7446701aaf454f3769409de314a701b143db8b0c798",
  "token": "mst_sso_6ef3b7446701aaf454f3769409de314a701b143db8b0c798",
  "email": "customer@gmail.com",
  "amount": 49.99,
  "expires_at": "2026-10-03T16:00:00.000Z"
}

3 Integration Code Samples

Select your language or platform below to see a ready-to-use implementation:

<?php
// Your Merchants-Stipe API Key from Dashboard
$apiKey = "mst_live_YOUR_MERCHANT_API_KEY";

// Customer & Order Data
$payload = [
    "email"        => "buyer@example.com",
    "amount"       => 50.00,
    "redirect_url" => "https://yourwebsite.com/payment-success",
    "cancel_url"   => "https://yourwebsite.com/cart",
    "merchant_ref" => "ORDER_" . time()
];

// Send Request to Merchants-Stipe API
$ch = curl_init("https://merchants-stipe.online/api/v1/create-session");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($payload));
curl_setopt($ch, CURLOPT_HTTPHEADER, [
    "Content-Type: application/json",
    "x-api-key: " . $apiKey
]);

$response = curl_exec($ch);
curl_close($ch);

$result = json_decode($response, true);

if (!empty($result['success']) && !empty($result['payment_url'])) {
    // 1-Click Redirect to Merchants-Stipe SSO
    header("Location: " . $result['payment_url']);
    exit;
} else {
    echo "Payment Error: " . ($result['error'] ?? "Unable to initialize session");
}
?>

const express = require('express');
const axios = require('axios');
const app = express();

const MERCHANTS_API_KEY = "mst_live_YOUR_MERCHANT_API_KEY";

app.post('/checkout', async (req, res) => {
  try {
    const response = await axios.post(
      'https://merchants-stipe.online/api/v1/create-session',
      {
        email: req.body.customer_email,
        amount: 50.00,
        redirect_url: 'https://yourwebsite.com/checkout/success',
        merchant_ref: 'ORD-9821'
      },
      {
        headers: {
          'Content-Type': 'application/json',
          'x-api-key': MERCHANTS_API_KEY
        }
      }
    );

    if (response.data.success && response.data.payment_url) {
      // Return URL to frontend or redirect directly
      res.json({ payment_url: response.data.payment_url });
    }
  } catch (error) {
    res.status(500).json({ error: error.response?.data?.error || 'Checkout failed' });
  }
});

// When customer clicks "Pay with Merchants-Stipe" button on your site:
async function handleMerchantsPay() {
  const customerEmail = document.getElementById('emailInput').value;
  const orderAmount = 50.00;

  try {
    const res = await fetch('https://merchants-stipe.online/api/v1/create-session', {
      method: 'POST',
      headers: {
        'Content-Type': 'application/json',
        'x-api-key': 'mst_live_YOUR_MERCHANT_API_KEY'
      },
      body: JSON.stringify({
        email: customerEmail,
        amount: orderAmount,
        redirect_url: window.location.origin + '/order-complete.html',
        merchant_ref: 'CLIENT_REF_' + Date.now()
      })
    });

    const data = await res.json();
    if (data.success && data.payment_url) {
      // Redirect user directly into the auto-login payment portal
      window.location.href = data.payment_url;
    } else {
      alert("Error: " + (data.error || "Failed to start payment"));
    }
  } catch (err) {
    console.error("Payment initialization error:", err);
  }
}

import requests

API_KEY = "mst_live_YOUR_MERCHANT_API_KEY"

payload = {
    "email": "customer@gmail.com",
    "amount": 50.00,
    "redirect_url": "https://yourwebsite.com/success",
    "merchant_ref": "ORDER_1001"
}

headers = {
    "x-api-key": API_KEY,
    "Content-Type": "application/json"
}

response = requests.post("https://merchants-stipe.online/api/v1/create-session", json=payload, headers=headers)
data = response.json()

if data.get("success"):
    payment_url = data.get("payment_url")
    print(f"Redirecting user to: {payment_url}")
    # In Flask: return redirect(payment_url)
    # In Django: return HttpResponseRedirect(payment_url)
else:
    print(f"Failed: {data.get('error')}")

curl -X POST https://merchants-stipe.online/api/v1/create-session \
  -H "x-api-key: mst_live_YOUR_MERCHANT_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "customer@example.com",
    "amount": 50.00,
    "redirect_url": "https://yourwebsite.com/payment/success",
    "merchant_ref": "TXN_4567"
  }'

4 Live API Tester & Simulator

Test your API integration live right now. Enter your API Key and details to generate a real session:

Your API Key

Customer Email