Bills | Creddot Docs

Bill payments are paid from your wallet. Reading the catalogue needs bills:read; validating and paying needs bills:create.

Browse with GET /bills/categories, GET /bills/billers?category=ELECTRICITY and GET /bills/products?serviceCode=....
Validate the meter, smartcard or account with POST /bills/validate and show the customer name it returns.
Pay with POST /bills:

curl https://api.creddot.com/api/v1/bills \
  -H "x-api-key: $CREDDOT_API_KEY" -H "x-api-secret: $CREDDOT_API_SECRET" \
  -H "x-idempotency-key: bill-20261011-001" -H "content-type: application/json" \
  -d '{
    "category": "ELECTRICITY",
    "serviceCode": "ikeja-electric",
    "productCode": "prepaid",
    "customerId": "1111111111111",
    "amountMinor": "500000",
    "currency": "NGN",
    "phoneNumber": "+2348012345678",
    "reference": "BILL-20261011-001"
  }'

Get the result. Providers can take a while. If the status is still pending, call POST /bills/{id}/requery or wait for the webhook. Electricity tokens are returned by GET /bills/{id} once the payment succeeds.

See the exact parameters for each step in the API reference.