# lubaak/pay

> Verify Ethiopian bank and wallet payments at the source. POST a receipt URL or
> reference and get a normalized JSON result across 25+ institutions.

Base URL `https://pay.lubaak.com`. Authenticate with
`Authorization: Bearer <token>` from the dashboard.

## Integrating

- [Agent file](https://pay.lubaak.com/agents.md): drop-in instructions for coding agents - endpoints, auth, pitfalls.
- [API docs](https://pay.lubaak.com/docs): human docs with live playground.
- [Try verify](https://pay.lubaak.com/verify): browser verifier (IP-limited, no key).
- [Status](https://pay.lubaak.com/status): per-institution uptime.

## API

- `POST /api/v1/verify` - verify by `url` or `reference` (+ `bank` when needed). Optional `settlement_account` and `expected_amount`.
- `GET /api/v1/verify` - same parameters as query string.

## Product notes

- Only first successful (uncached) verification of a payment consumes credits for authenticated users; repeats are free.
- Settlement matching confirms the receiver account, not just that a reference exists.
- Broader coverage than typical single-wallet tools: CBE, Telebirr, Dashen, Awash, Zemen, BoA, M-Pesa, eBirr partners, and more.