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The four parties are your server, Mizaniya Pay, the payer’s browser and the bank / SATIM.
1

Register

Your server calls POST /api/v1/payments with the amount in centimes and your order reference.
2

Receive id and checkoutUrl

We answer 201 with the payment id and the hosted checkoutUrl.
3

Redirect

Send the payer to the checkoutUrl. It is shown only once.
4

Payer pays

The payer enters their card details on our page, then the OTP their bank sends by SMS.
5

Get the result

A signed webhook hits your server. You can also call GET /payments/{id} for confirmation and a receipt.
6

Fulfil

Ship the order when the status is success.
The payer has a 15-minute window to complete the payment, and gets 3 card attempts per payment, each with 3 OTP tries.