curl --request POST \
  --url https://business-sandbox.instntmny.com/api/pay \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/x-www-form-urlencoded' \
  --data channel=2 \
  --data phone_number=233245519485 \
  --data 'name=Godwin Hottor' \
  --data amount=1 \
  --data voucher_code= \
  --data callback_url=

{
  "transaction": {
    "type": "Cr",
    "merchant_id": 5,
    "reference": "5-234r433434-24e3ed",
    "medium": "MTN Mobile Money",
    "amount": 1.01,
    "amount_details": "Hello, this is a test debit transaction",
    "status": "2",
    "status_message": "Request sent, pending processing",
    "sender_details": {
      "type": 2,
      "no": "233245519485",
      "name": "ZEEPAY GHANA LIMITED",
      "token": null
    },
    "recipient_details": {
      "type": 8,
      "no": 5,
      "name": "Godwin Hottor"
    },
    "description": "Payment",
    "extra": "Testing",
    "api": 1,
    "callback_url": "https://webhook.site/3b3b3b3b-3b3b-3b3b-3b3b-3b3b3b3b3b3b",
    "updated_at": "2020-04-14 16:18:31",
    "created_at": "2020-04-14 16:18:31",
    "id": 26
  },
  "type": "Success",
  "message": "Transaction Request Successful"
}