Build with Clive Payments

Clive Payments is a cross-border acquiring and settlement layer that helps partners like Echezona collect card payments, monitor outcomes, and settle merchant balances with clear fee transparency.

What this platform does

• Accepts partner transaction initialization requests with strict security controls.
• Tracks payment lifecycle events from Stripe (initialized -> pending -> succeeded or terminal states).
• Calculates fee split across processor fees, partner payout, and Clive earnings.
• Notifies partner systems with signed webhooks.
• Batches and pays settlements through payout rails.

Product model

• Partner: Payment company integrating with Clive (example: Echezona).
• Client: Merchant under partner (example: Air Peace).
• Transaction: Single payment tracked by Clive and linked to Stripe PaymentIntent.
• Settlement Batch: Group of succeeded transactions paid out together.

Base URL

https://<your-host>/api/v1

Quick links

• Get Started
• How Clive Works
• USD Integration Flow
• Authentication and Security
• Webhook Integration
• Errors and Retries

API lifecycle at a glance

1. (Optional) Register merchants with POST /clients when using partner self-service onboarding (partner-scoped API key).
2. Create checkout intent (POST /transactions/checkout-intent)
3. Confirm payment on frontend with Stripe Elements
4. Receive Clive partner status webhook (your endpoint)
5. Settle and payout batches

Stripe responsibility note

In the recommended production flow, Clive creates the Stripe PaymentIntent and returns client_secret. Partners should pass a deterministic statement_descriptor_suffix in checkout-intent for clear statements and reconciliation.