> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payx.company/llms.txt
> Use this file to discover all available pages before exploring further.

# Create Charge

> Initiate a Mobile Money collection

### Body Parameters

<ParamField body="amount" type="number" required>
  The amount to collect in GHS.
</ParamField>

<ParamField body="phoneNumber" type="string" required>
  The customer's 10-digit mobile money number (e.g., `0551234987`).
</ParamField>

<ParamField body="network" type="string" required>
  The network provider. Options: `MTN`, `TELECEL`, `AIRTELTIGO`.
</ParamField>

<ParamField body="currency" type="string" default="GHS">
  The currency code. Currently only `GHS` is supported.
</ParamField>

<ParamField body="payerMessage" type="string">
  A message displayed to the customer on their phone.
</ParamField>

<ParamField body="payeeNote" type="string">
  A private note for your records.
</ParamField>

### Response

<ResponseField name="message" type="string">
  A summary of the initiation status.
</ResponseField>

<ResponseField name="transactionId" type="string">
  The unique ID for this transaction. Use this for status checks.
</ResponseField>

<ResponseField name="status" type="string">
  The current status. Usually `PENDING`.
</ResponseField>

<RequestExample>
  ```bash curl theme={null}
  curl -X POST https://payx.company/api/v1/charge \
    -H "x-api-key: sk_test_..." \
    -H "Content-Type: application/json" \
    -d '{
      "amount": 1.0,
      "phoneNumber": "0551234987",
      "network": "MTN"
    }'
  ```

  ```javascript Node.js theme={null}
  const { PayX } = require('payx-node');
  const payx = new PayX({ apiKey: 'sk_test_...' });

  const res = await payx.charge.create({
    amount: 1.0,
    phoneNumber: '0551234987',
    network: 'MTN'
  });
  ```
</RequestExample>

<ResponseExample>
  ```json 202 Accepted theme={null}
  {
    "message": "Transaction initiated",
    "transactionId": "550e8400-e29b-41d4-a716-446655440000",
    "status": "PENDING"
  }
  ```
</ResponseExample>