Moklo Pay - Developer API & Integration Manual

Pakistan (PKR ₨)

India (INR ₹)

Bangladesh (BDT ৳)

United States (USD $)

UAE (AED د.إ)

1. Pay-In / Cashier Checkout API

GET / POST Redirect

Redirect customer to our cashier endpoint. Supports EasyPaisa, JazzCash, All Commercial Banks & Raast QR:

https://pay.moklopay.com/pay/

Parameter	Type	Requirement	Description
`mch_id`	String	Required	Your Merchant ID (e.g. `YOUR_MCH_ID`)
`amount`	Number	Required	Pay-In amount in PKR (e.g. `1000`)
`order_id`	String	Required	Unique order serial generated on your platform
`channel`	String	Required	`ep` (EasyPaisa), `jz` (JazzCash), `bank` (All Banks QR)
`notify_url`	String	Required	Your server webhook URL to receive payment confirmation
`return_url`	String	Optional	Customer return page after payment completion

PHP Pay-In Redirect Example

<?php
$mch_id   = 'YOUR_MCH_ID';
$endpoint = 'https://pay.moklopay.com/pay/';

$params = [
    'mch_id'     => $mch_id,
    'amount'     => 1000.00,
    'order_id'   => 'ORD' . date('YmdHis') . rand(100, 999),
    'channel'    => 'ep', // Options: 'ep', 'jz', 'bank'
    'notify_url' => 'https://yourwebsite.com/backend.php',
    'return_url' => 'https://yourwebsite.com/return.php'
];

header("Location: " . $endpoint . "?" . http_build_query($params));
exit;
?>

Pay-In Webhook Receiver (backend.php)

PHP Webhook Receiver (backend.php)

<?php
$secret_key = 'YOUR_API_KEY';
$params     = $_POST;
$sign       = strtolower(trim($params['sign'] ?? ''));

unset($params['sign']);
ksort($params);

$signPairs = [];
foreach ($params as $k => $v) {
    if ($v !== "" && $v !== null) $signPairs[] = $k . "=" . $v;
}
$calculated_sign = strtolower(md5(implode("&", $signPairs) . "&key=" . $secret_key));

if (strcasecmp($sign, $calculated_sign) === 0 && ($params['status'] ?? '') === '1') {
    // 1. Fetch Order: $order_id = $params['out_trade_no'];
    // 2. Credit Player: $amount = $params['pay_money'];
    // 3. Mark Order Completed
    echo "success";
    exit;
}
echo "fail";
?>

2. Automated Payout / Disbursement API

POST / Server-to-Server (Zero OTP)

Send direct server-to-server HTTP POST requests to transfer funds to EasyPaisa, JazzCash, 1Link Bank, or USDT without any 2FA or OTP prompt:

https://payout.moklopay.com/payout/

Parameter	Type	Requirement	Description
`mchId`	String	Required	Your Merchant ID (`YOUR_MCH_ID`)
`out_trade_no`	String	Required	Unique payout order serial from your platform
`money`	Number	Required	Transfer amount in PKR
`pay_type`	String	Required	`EP` (EasyPaisa), `JZ` (JazzCash), `BANK`, `USDT`
`account`	String	Required	Receiver Mobile Number, IBAN, or USDT Wallet Address
`userName`	String	Required	Receiver Full Account Title
`notify_url`	String	Required	Webhook URL to receive final payout status
`sign`	String	Required	MD5 signature: `md5(alphabetized_params + "&key=api_key")`

PHP Payout Dispatch Script

<?php
$mch_id   = 'YOUR_MCH_ID';
$api_key  = 'YOUR_API_KEY';
$endpoint = 'https://payout.moklopay.com/payout/';

$data = [
    'mchId'        => $mch_id,
    'out_trade_no' => 'WD' . date('YmdHis') . rand(100, 999),
    'money'        => 2500.00,
    'pay_type'     => 'EP', // Options: 'EP', 'JZ', 'BANK', 'USDT'
    'account'      => '03001234567',
    'userName'     => 'Muhammad Ali',
    'notify_url'   => 'https://yourwebsite.com/payout_callback.php'
];

ksort($data);
$signPairs = [];
foreach ($data as $k => $v) {
    if ($v !== "" && $v !== null) $signPairs[] = $k . "=" . $v;
}
$data['sign'] = strtolower(md5(implode("&", $signPairs) . "&key=" . $api_key));

$ch = curl_init($endpoint);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($data));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$res = curl_exec($ch);
curl_close($ch);

$result = json_decode($res, true);
if ($result && ($result['code'] ?? -1) === 0) {
    echo "Payout Queued! Payout ID: " . $result['payout_id'];
} else {
    echo "Error: " . ($result['msg'] ?? 'Request declined');
}
?>

3. Realtime Balance Query API

POST / Instant JSON

Query current merchant ledger balance directly from external game servers or cashier scripts:

https://balance.moklopay.com/balance/

PHP Balance Check Script

<?php
$mch_id   = 'YOUR_MCH_ID';
$api_key  = 'YOUR_API_KEY';
$endpoint = 'https://balance.moklopay.com/balance/';

$params = [
    'mchId'    => $mch_id,
    'currency' => 'PKR'
];

ksort($params);
$signPairs = [];
foreach ($params as $k => $v) {
    if ($v !== "" && $v !== null) $signPairs[] = $k . "=" . $v;
}
$params['sign'] = strtolower(md5(implode("&", $signPairs) . "&key=" . $api_key));

$ch = curl_init($endpoint);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($params));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$res = curl_exec($ch);
curl_close($ch);

$data = json_decode($res, true);
echo "Current Ledger Balance: ₨ " . ($data['data']['balance'] ?? '0.00');
?>

Documents Not Available

Integration specifications and endpoints for this region are currently under scheduled deployment. Please check back soon or switch back to Pakistan (PKR ₨).