First Setup

Start after purchase

After you purchase a subscription or package, SMS Pay gives your organization merchant admin dashboard access. Use that dashboard to prepare your account before your developer connects the backend.

Setup checklist

1. Log in to the merchant admin portal.
2. Confirm your organization name, users, and access roles.
3. Configure receiver accounts for the wallet numbers you will collect payments into.
4. Create a sandbox API key for development.
5. Add and verify a sandbox webhook endpoint.
6. Download and install the Android app on the merchant phone.
7. Link the Android device and confirm it appears online.
8. Create a sandbox payment intent from your backend.
9. Use Sandbox tools to confirm matching, review, expiry, and webhook behavior.
10. Repeat setup for live only after sandbox is complete.

Receiver accounts

Receiver accounts are the wallet numbers shown on checkout. Configure them by environment and payment method. The phone running the Android app must receive SMS messages for the same wallet numbers used in live payments.

For each receiver account, confirm:

• payment method is correct
• environment is sandbox or live as intended
• wallet number is typed correctly
• account is active
• priority/load behavior matches your operations plan

API keys

Create keys from Dashboard -> API Keys.

Use sandbox keys during integration:

SMS_PAY_API_KEY=sk_test_xxxxxxxxxxxxxxxxx
SMS_PAY_BASE_URL=https://api.smspaybd.com/v1

Use live keys only on your backend after launch approval:

SMS_PAY_API_KEY=sk_live_xxxxxxxxxxxxxxxxx
SMS_PAY_BASE_URL=https://api.smspaybd.com/v1

Never place API keys in browser JavaScript or mobile apps.

Webhook endpoint

Before launch, your backend needs an HTTPS webhook endpoint. Add it in Dashboard -> Webhooks, select events, store the signing secret, verify the endpoint, and send a test event.

Fulfillment should happen from payment.paid, not from the checkout redirect.

Android device

Install the SMS Pay Android app on the merchant phone that receives wallet SMS messages. Grant SMS permission, keep the app online, and confirm the device status in Dashboard -> Devices.

Ready for integration

You are ready for backend integration when:

• sandbox API key exists
• sandbox receiver account exists
• sandbox webhook endpoint is verified
• Android app is installed and linked
• your team understands where to inspect payment intents, SMS events, reconciliation, devices, and webhooks