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Anthony Jekanyika
Anthony Jekanyika

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Paynow and ZIMRA Fiscalisation Integration with the Panier API: a Step-by-Step Guide

#zimra #paynow #panier #api

Today we will learn how we can use Paynow to receive an instant Ecocash or Innbucks payment and automatically create and send a ZIMRA Fiscal Invoice using a single Panier API call 💪.

First you need to have a Panier account that has been setup with ZIMRA Fiscalisation. If you don't have one, please follow this tutorial.

Setup Paynow Account

  1. Register as a Paynow Merchant here
  2. Go to the Payment Methods section and then add Ecocash (USD) and Innbucks (USD) payment methods (Panier currently only supports these payment methods and only in USD)
  3. Next, go to the Create 3rd Party Shopping Cart or Link section and fill out the form, making sure to select all the previously added payment methods, that is, Ecocash and Innbucks
  4. Unselect the Require Customer Name and Require Customer Phone check boxes (You can enter anything that you want under name)
  5. Click Save to complete the form
  6. Go to the Payment Provider page of your Panier account and copy down the Email that you used to create the Paynow merchant account, Integration ID and Integration Key into the fields in the image below and then click Test Transaction

Panier Payment Providers

When your Paynow integration is now live your Payment Provider page should look like this:

Live Panier Paynow Payment Provider Page

Make an Ecocash Payment

Now lets do an Ecocash payment and automatically create a ZIMRA Fiscal Invoice. You need to go to the Create Sale endpoint and use this payload, making sure to replace the customer_id, product and phone with ones from your Panier account:

{
  "data": {
    "customer_id": "cmaccp0vy0000zmksubook8hd",
    "products": [
        {
          "id": "cma5e7aca0000zm1x9aiabiil",
          "selling_price": 0.10,
          "quantity": 1
        }
     ]
  },
  "zimra_fiscalize": true,
  "payment_method": {
    "type": "PAYNOW_ECOCASH",
    "phone": "0772000001",
    "email": "youremail@gmail.com"
  }
}
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You should get the following response:

{
  "instructions": "Dial *151*2*7# and enter your EcoCash PIN. Once you have authorized the payment via your handset, please click Check For Payment below to conclude this transaction",
  "pollurl": "https://panier.app/api/v1/payment-provider/paynow/check-payment-status?pollurl=https://www.paynow.co.zw/Interface/CheckPayment/?guid=c3909f34-7a1f-4dda-a99c-2954cfa67e11"
}
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You need to get your customer to follow the instructions on how to make the Ecocash payment. Use the pollurl or Check Payment Status endpoint to check the payment status at regular intervals of about 5 seconds.

When the payment is successful you should get a response like this:

{
  "reference": "cmaxpemg40007zm1gd5x5jng7",
  "paynowreference": "25107608",
  "amount": "0.10",
  "status": "Completed",
  "pollurl": "https%3a%2f%2fwww.paynow.co.zw%2fInterface%2fCheckPayment%2f%3fguid%3daf008834-edf0-4e41-aea1-5e0422095fae",
  "hash": "C06C9AB2B90823B0D39B1CD058D0943C944DD75FC2EE1BA4D66F506FE8F6DD4C0D7F3925DF667D20EB4A4C10AA1C511AF327D06D059FCE691B9140545468BA00",
  "direct_paynow_pollurl": "https://www.paynow.co.zw/Interface/CheckPayment/?guid=af008834-edf0-4e41-aea1-5e0422095fae",
  "sale": {
    "id": "cmaxpey550004zm3nthcoocph",
    "receipt_number": "IPID5V3JJ87E",
    "phone": "0772000001",
    "email": "john@cornerbakery.com",
    "currency": {
      "symbol": "$",
      "name": "US Dollar",
      "symbol_native": "$",
      "decimal_digits": 2,
      "rounding": 0,
      "code": "USD",
      "name_plural": "US dollars",
      "exchange_rate": 1
    },
    "products": [
      {
        "id": "cma5e7aca0000zm1x9aiabiil",
        "name": "Eggs",
        "description": "One dozen large eggs",
        "buying_price": 2.51,
        "sku": "",
        "hs_code": "0808.01.01",
        "is_inventory_item": true,
        "applicable_tax": {
          "id": "cmac8znbu0005zm0gdy8xxoi6",
          "name": "VAT Exempt",
          "percentage": null,
          "code": null,
          "zimra_tax_id": 1
        },
        "_selling_price": 0.10,
        "_quantity": 1,
        "_discount": 0,
        "_total_excluding_tax": 0.10,
        "_tax": 0,
        "_total_including_tax": 0.10
      }
    ],
    "total": 0.01,
    "discount": 0,
    "is_refunded": false,
    "refunded_at": null,
    "is_voided": false,
    "voided_at": null,
    "template_preference": {
      "template": 1,
      "color": "no_color",
      "table_layout": "Plain"
    },
    "updated_at": "2025-05-21T08:51:45.145Z",
    "created_at": "2025-05-21T08:51:45.109Z",
    "customer": {
      "id": "cmaccp0vy0000zmksubook8hd",
      "name": "Corner Bakery",
      "contact_person": "John Smith",
      "phone": "0772000001",
      "email": "john@cornerbakery.com",
      "address": "123 Road Drive, City, Country",
      "fax": "02888881",
      "website": "https://example.com",
      "tax_reg_number": "",
      "company_reg_number": "",
      "tin_number": "",
      "vat_number": ""
    },
    "invoice": {
      "id": "cmaxpey460002zm3nryg5glz1",
      "number": "SSK2BURLOLDA",
      "date_format": "dd/mm/yy",
      "date_issued": "2025-05-21T08:51:45.073Z",
      "recipients": [
        "john@cornerbakery.com"
      ],
      "payment_due": "2025-05-21T08:51:45.073Z",
      "currency": {
        "symbol": "$",
        "name": "US Dollar",
        "symbol_native": "$",
        "decimal_digits": 2,
        "rounding": 0,
        "code": "USD",
        "name_plural": "US dollars",
        "exchange_rate": 1
      },
      "products": [
        {
          "id": "cma5e7aca0000zm1x9aiabiil",
          "name": "Eggs",
          "description": "One dozen large eggs",
          "buying_price": 2.51,
          "sku": "",
          "hs_code": "0808.01.01",
          "is_inventory_item": true,
          "applicable_tax": {
            "id": "cmac8znbu0005zm0gdy8xxoi6",
            "name": "VAT Exempt",
            "percentage": null,
            "code": null,
            "zimra_tax_id": 1
          },
          "_selling_price": 0.10,
          "_quantity": 1,
          "_discount": 0,
          "_total_excluding_tax": 0.10,
          "_tax": 0,
          "_total_including_tax": 0.10
        }
      ],
      "total": 0.10,
      "discount": 0,
      "payment_information": null,
      "terms_n_conditions": null,
      "sending_status": "Send Email Notification",
      "quotation_id": null,
      "template_preference": {
        "template": 1,
        "color": "no_color",
        "table_layout": "Plain"
      },
      "is_paid": true,
      "updated_at": "2025-05-21T08:51:45.077Z",
      "created_at": "2025-05-21T08:51:45.077Z",
      "zimra_receipt": {
        "id": "cmaxpey350001zm3n20cv98iv",
        "device_id": 24455,
        "device_serial_number": "HQAUR8QVG29BBY33",
        "receipt_type": "FISCALINVOICE",
        "receipt_currency": "USD",
        "receipt_counter": 2,
        "receipt_global_no": 14,
        "receipt_date": "2025-05-21T10:51:44",
        "receipt_total": 0.10,
        "receipt_taxes": [
          {
            "taxID": 1,
            "taxAmount": 0,
            "salesAmountWithTax": 0.10
          }
        ],
        "previous_receipt_hash": "RNlOmC9SFzBf1f6teHf1sdRvndEBxRrsLmgTEzs2VEw=",
        "result_used_to_hash": "24455FISCALINVOICEUSD142025-05-21T10:51:44101RNlOmC9SFzBf1f6teHf1sdRvndEBxRrsLmgTEzs2VEw=",
        "receipt_hash": "O325QgESIiw1oe+91aHtTlHsVrZDYU1QLqcPYTaiGHI=",
        "signature": "PZuW4HH4x1fkYwKdMj8YQGVI76IF3eP51cpUHdiq42xnZi1SPEGBN7h5rtECOOLkl6egUhlXWXr35Q+TtBgDHitYuc/2J13iJwhdy3xdZCSlz8NV29d73/lziH80AjBYsOC6fV+vJToSWcYuqdSKeIbgBDcOj6CFvCCQegmU9G0mY/e3uqnmXb29TfhiTUQUNz5Y3X2RRWCCfrpFGEZk/S9PeWnjKY7RxJNrKcl11Yp+9GXYjtpsyrbP42JF6gLcGjPbj436ihUmScDoouNdKLEbWabt5FOjtmdUkJ1Xxv1aEpfjt7Nv03d6zofuQ79otLM41bisn0sFMtIjSLGGow==",
        "qr_code_url": "https://fdmstest.zimra.co.zw/0000024455210520250000000014067E79C20E8CEFCE",
        "verification_code": "067E-79C2-0E8C-EFCE",
        "receipt_data": {
          "receipt": {
            "receiptType": "FiscalInvoice",
            "receiptCurrency": "USD",
            "receiptCounter": 2,
            "receiptGlobalNo": 14,
            "receiptDate": "2025-05-21T10:51:44",
            "receiptLinesTaxInclusive": false,
            "receiptLines": [
              {
                "receiptLineType": "Sale",
                "receiptLineNo": 1,
                "receiptLineHSCode": "08080101",
                "receiptLineName": "Eggs",
                "receiptLinePrice": 0.10,
                "receiptLineQuantity": 1,
                "receiptLineTotal": 0.10,
                "taxID": 1
              }
            ],
            "receiptTaxes": [
              {
                "taxID": 1,
                "taxAmount": 0,
                "salesAmountWithTax": 0.10
              }
            ],
            "receiptPayments": [
              {
                "moneyTypeCode": "MobileWallet",
                "paymentAmount": 0.10
              }
            ],
            "receiptTotal": 0.10,
            "receiptPrintForm": "InvoiceA4",
            "receiptDeviceSignature": {
              "hash": "O325QgESIiw1oe+91aHtTlHsVrZDYU1QLqcPYTaiGHI=",
              "signature": "PZuW4HH4x1fkYwKdMj8YQGVI76IF3eP51cpUHdiq42xnZi1SPEGBN7h5rtECOOLkl6egUhlXWXr35Q+TtBgDHitYuc/2J13iJwhdy3xdZCSlz8NV29d73/lziH80AjBYsOC6fV+vJToSWcYuqdSKeIbgBDcOj6CFvCCQegmU9G0mY/e3uqnmXb29TfhiTUQUNz5Y3X2RRWCCfrpFGEZk/S9PeWnjKY7RxJNrKcl11Yp+9GXYjtpsyrbP42JF6gLcGjPbj436ihUmScDoouNdKLEbWabt5FOjtmdUkJ1Xxv1aEpfjt7Nv03d6zofuQ79otLM41bisn0sFMtIjSLGGow=="
            },
            "invoiceNo": "SSK2BURLOLDA"
          }
        },
        "server_response": {
          "receiptID": 5960796,
          "serverDate": "2025-05-21T10:51:44",
          "receiptServerSignature": {
            "certificateThumbprint": "F9B295CA65BA22B94F6D4B27E48D08BF6CD7F7C8",
            "hash": "IESbgGq5bHwGtZnm4lzknj785mCkcfTG24hZWP7L65M=",
            "signature": "gZC4ZSmOqDiBtXmxaIJF0jTunrFBnRfk9dizbBpGVp62i4+0jopEbkmgjjsShXDGv8NtxNjoeJ6Pi65IdrL7UhQ9dEbeA9x9Lmp8dzko138uMg9Ey9WVYMmHoISSwdHSUuetHUk0x6x2RvyUjaV32RlotHMDoyPhvEjDxkZu/+ar58n+9dCvl5hBP6u2yaFGe5QX6wrr5WxhgPZhkLAqyayPTow2m6LNVVP5GK66VZdC+xRFxealMx2BdbPrxpzHNOb5GmMACfqHz5wvPpMYuZL8LEzSYAJzKzQFbNgRgqNg5YNHKRp2L+vQbEbcy/hszjVn0v3UysFo3xTlYkzXDg=="
          },
          "validationErrors": [],
          "operationID": "0HNCDUV5BOVT4:00000001"
        },
        "validation_errors": [],
        "fiscal_day_no": 4,
        "updated_at": "2025-05-21T08:51:45.077Z",
        "created_at": "2025-05-21T08:51:45.041Z"
      }
    }
  }
}
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Make an Innbucks Payment

Now lets do an Innbucks payment and automatically create a ZIMRA Fiscal Invoice. You need to go to the Create Sale endpoint and use this payload, making sure to replace the customer_id, product and phone with ones from your Panier account:

{
  "data": {
    "customer_id": "cmaccp0vy0000zmksubook8hd",
    "products": [
        {
          "id": "cma5e7aca0000zm1x9aiabiil",
          "selling_price": 0.10,
          "quantity": 1
        }
     ]
  },
  "zimra_fiscalize": true,
  "payment_method": {
    "type": "PAYNOW_INNBUCKS",
    "phone": "0772000001",
    "email": "youremail@gmail.com"
  }
}
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You should get the following response:

{
  "instructions": "Dial *569#. Log into your Innbucks Account. Select Pay and enter 601822521 as your 2D Code.",
  "authorizationcode": "601822521",
  "deep_link_url": "schinn.wbpycode://innbucks.co.zw?pymInnCode=601822521",
  "qr_code": "https://chart.googleapis.com/chart?cht=qr&chs=200x200&chl=601822521",
  "expires_at": "21-May-2025 12:19",
  "pollurl": "https://panier.app/api/v1/payment-provider/paynow/check-payment-status?pollurl=https://www.paynow.co.zw/Interface/CheckPayment/?guid=b73f9d55-4a9d-46b6-a221-b0bca0d9ef47"
}
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You need to get your customer to follow the instructions on how to make the Innbucks payment. Use the pollurl or Check Payment Status endpoint to check the payment status at regular intervals of about 5 seconds.

When the payment is successful you should get a response like this:

{
  "reference": "cmaxsceop0005zm1fe8ue6bte",
  "paynowreference": "25111200",
  "amount": "0.01",
  "status": "Completed",
  "pollurl": "https%3a%2f%2fwww.paynow.co.zw%2fInterface%2fCheckPayment%2f%3fguid%3d252399f2-ea8b-4a25-989d-0f7e1baefff0",
  "hash": "C7C85B344262A1B2A8C10FB154151C71D01FB62CF0CC8397964F879B3CAEB2D3BE29EEA82EF43BD997B870A0ECC24F4BEFAA9328748876F5D0E919F493865805",
  "direct_paynow_pollurl": "https://www.paynow.co.zw/Interface/CheckPayment/?guid=252399f2-ea8b-4a25-989d-0f7e1baefff0",
  "sale": {
    "id": "cmaxsdzpl000rzm0dqilmlkh0",
    "receipt_number": "KMY7WYXEMOM9",
    "phone": "0772000001",
    "email": "john@cornerbakery.com",
    "currency": {
      "symbol": "$",
      "name": "US Dollar",
      "symbol_native": "$",
      "decimal_digits": 2,
      "rounding": 0,
      "code": "USD",
      "name_plural": "US dollars",
      "exchange_rate": 1
    },
    "products": [
      {
        "id": "cma5e7aca0000zm1x9aiabiil",
        "name": "Eggs",
        "description": "One dozen large eggs",
        "buying_price": 2.51,
        "sku": "",
        "hs_code": "0808.01.01",
        "is_inventory_item": true,
        "applicable_tax": {
          "id": "cmac8znbu0005zm0gdy8xxoi6",
          "name": "VAT Exempt",
          "percentage": null,
          "code": null,
          "zimra_tax_id": 1
        },
        "_selling_price": 0.01,
        "_quantity": 1,
        "_discount": 0,
        "_total_excluding_tax": 0.01,
        "_tax": 0,
        "_total_including_tax": 0.01
      }
    ],
    "total": 0.01,
    "discount": 0,
    "is_refunded": false,
    "refunded_at": null,
    "is_voided": false,
    "voided_at": null,
    "template_preference": {
      "template": 1,
      "color": "no_color",
      "table_layout": "Plain"
    },
    "updated_at": "2025-05-21T10:14:59.357Z",
    "created_at": "2025-05-21T10:14:59.338Z",
    "customer": {
      "id": "cmaccp0vy0000zmksubook8hd",
      "name": "Corner Bakery",
      "contact_person": "John Smith",
      "phone": "0772000001",
      "email": "john@cornerbakery.com",
      "address": "123 Road Drive, City, Country",
      "fax": "02888881",
      "website": "https://example.com",
      "tax_reg_number": "",
      "company_reg_number": "",
      "tin_number": "",
      "vat_number": ""
    },
    "invoice": {
      "id": "cmaxsdzor000pzm0dnh8cfbtl",
      "number": "39DC6U5EM65J",
      "date_format": "dd/mm/yy",
      "date_issued": "2025-05-21T10:14:59.305Z",
      "recipients": [
        "john@cornerbakery.com"
      ],
      "payment_due": "2025-05-21T10:14:59.305Z",
      "currency": {
        "symbol": "$",
        "name": "US Dollar",
        "symbol_native": "$",
        "decimal_digits": 2,
        "rounding": 0,
        "code": "USD",
        "name_plural": "US dollars",
        "exchange_rate": 1
      },
      "products": [
        {
          "id": "cma5e7aca0000zm1x9aiabiil",
          "name": "Eggs",
          "description": "One dozen large eggs",
          "buying_price": 2.51,
          "sku": "",
          "hs_code": "0808.01.01",
          "is_inventory_item": true,
          "applicable_tax": {
            "id": "cmac8znbu0005zm0gdy8xxoi6",
            "name": "VAT Exempt",
            "percentage": null,
            "code": null,
            "zimra_tax_id": 1
          },
          "_selling_price": 0.01,
          "_quantity": 1,
          "_discount": 0,
          "_total_excluding_tax": 0.01,
          "_tax": 0,
          "_total_including_tax": 0.01
        }
      ],
      "total": 0.01,
      "discount": 0,
      "payment_information": null,
      "terms_n_conditions": null,
      "sending_status": "Send Email Notification",
      "quotation_id": null,
      "template_preference": {
        "template": 1,
        "color": "no_color",
        "table_layout": "Plain"
      },
      "is_paid": true,
      "updated_at": "2025-05-21T10:14:59.307Z",
      "created_at": "2025-05-21T10:14:59.307Z",
      "zimra_receipt": {
        "id": "cmaxsdzoc000ozm0dee2jtytg",
        "device_id": 24455,
        "device_serial_number": "HQAUR8QVG29BBY33",
        "receipt_type": "FISCALINVOICE",
        "receipt_currency": "USD",
        "receipt_counter": 4,
        "receipt_global_no": 16,
        "receipt_date": "2025-05-21T12:14:58",
        "receipt_total": 0.01,
        "receipt_taxes": [
          {
            "taxID": 1,
            "taxAmount": 0,
            "salesAmountWithTax": 0.01
          }
        ],
        "previous_receipt_hash": "fNFmaw6tK30NEVJP/bF0wIp5S0xWMrRu6EG8EFOJ/ss=",
        "result_used_to_hash": "24455FISCALINVOICEUSD162025-05-21T12:14:58101fNFmaw6tK30NEVJP/bF0wIp5S0xWMrRu6EG8EFOJ/ss=",
        "receipt_hash": "qUk5/6/cdCyoo/T2FTk9mq2tPHDDp1tNgo/pG11fwoU=",
        "signature": "AfuRWXk1X2Hw5wjjiPizGQAdug6M+e5+jQ7iSFXabPgmXTGRzhcw3EH6LEiAX6B/MN+c2l15x0DTBqN51C0Z97MvL+DPhq0+skb0CJoFydLJBAzYhR/nf6tZvIIcokYWHl6rtSVr3bgF8XNpEB8Q6foN+dn2CpLlvZdwB4eqRu5o8oxjoTH/VKbChDdGeWYwjuwYiMPGPdB2Ov1sFSIcNNHL2qkmhoE4balSugYvjhagNLDca27r2S2uXJSHZh+70BregHuxYr5xuWUNbiP6NmeZl8T8VB8lm8i/oDl7WC22sTePYObggygOkbjvguk0kp2mktwahDlY3tqELnk9fg==",
        "qr_code_url": "https://fdmstest.zimra.co.zw/0000024455210520250000000016737506EB7E49AE71",
        "verification_code": "7375-06EB-7E49-AE71",
        "receipt_data": {
          "receipt": {
            "receiptType": "FiscalInvoice",
            "receiptCurrency": "USD",
            "receiptCounter": 4,
            "receiptGlobalNo": 16,
            "receiptDate": "2025-05-21T12:14:58",
            "receiptLinesTaxInclusive": false,
            "receiptLines": [
              {
                "receiptLineType": "Sale",
                "receiptLineNo": 1,
                "receiptLineHSCode": "08080101",
                "receiptLineName": "Eggs",
                "receiptLinePrice": 0.01,
                "receiptLineQuantity": 1,
                "receiptLineTotal": 0.01,
                "taxID": 1
              }
            ],
            "receiptTaxes": [
              {
                "taxID": 1,
                "taxAmount": 0,
                "salesAmountWithTax": 0.01
              }
            ],
            "receiptPayments": [
              {
                "moneyTypeCode": "MobileWallet",
                "paymentAmount": 0.01
              }
            ],
            "receiptTotal": 0.01,
            "receiptPrintForm": "InvoiceA4",
            "receiptDeviceSignature": {
              "hash": "qUk5/6/cdCyoo/T2FTk9mq2tPHDDp1tNgo/pG11fwoU=",
              "signature": "AfuRWXk1X2Hw5wjjiPizGQAdug6M+e5+jQ7iSFXabPgmXTGRzhcw3EH6LEiAX6B/MN+c2l15x0DTBqN51C0Z97MvL+DPhq0+skb0CJoFydLJBAzYhR/nf6tZvIIcokYWHl6rtSVr3bgF8XNpEB8Q6foN+dn2CpLlvZdwB4eqRu5o8oxjoTH/VKbChDdGeWYwjuwYiMPGPdB2Ov1sFSIcNNHL2qkmhoE4balSugYvjhagNLDca27r2S2uXJSHZh+70BregHuxYr5xuWUNbiP6NmeZl8T8VB8lm8i/oDl7WC22sTePYObggygOkbjvguk0kp2mktwahDlY3tqELnk9fg=="
            },
            "invoiceNo": "39DC6U5EM65J"
          }
        },
        "server_response": {
          "receiptID": 5961141,
          "serverDate": "2025-05-21T12:14:59",
          "receiptServerSignature": {
            "certificateThumbprint": "F9B295CA65BA22B94F6D4B27E48D08BF6CD7F7C8",
            "hash": "aWJBHwqQR2M40iWgiVEAqtc8UtrFBKkz0eRoBkGPXdc=",
            "signature": "F35BHzB5BHurc3jEBsVeexZNkl8kwpQn4Sp8K1xGr13SjEqKdF6WkkPo9xqBBAJ8jQHZunnINrX0nluPbMUmJIte5Cea9esth95nH68fiMWhSdtWR3ikmrQ61+KxJKSCGX9rLzVcQzvYDX7jjVO8WEU5tLymrM0uCMZWMQ4npDsNK9aLRekcbf9L+2kFJLnMqs4qf2/PMvFsvIRCFdrQXOYYFzPDm8LuKpCx3yybS9RIG/7b4JmQ4auOmrEQxaGH+TWUPlxtjeJTFM8nUY7G/Afhpe7txJGs/X3ksHgw0CzdCgz5eEZC23tjfAs1UBKtyWowP7LTuL6CxkbhFYfnVg=="
          },
          "validationErrors": [],
          "operationID": "0HNCDUV5BQ539:00000001"
        },
        "validation_errors": [],
        "fiscal_day_no": 4,
        "updated_at": "2025-05-21T10:14:59.307Z",
        "created_at": "2025-05-21T10:14:59.292Z"
      }
    }
  }
}
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If your customer was created with an email address in your Panier account, they will receive a PDF attached email like this:

Panier ZIMRA Fiscal Invoice PDF Sample

Closing Statement

We also recommend that you go over our article on ZIMRA Fiscalisation with the Panier API: A Step-by-Step Guide so that you can also learn how to Create Credit Notes and Create Debit Notes. If you have any questions feel free to ask in the comments section or contact me directly on support@panier.app and I will get back to you has quickly as I can.

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