Integrating SadaPay & NayaPay Business Accounts with Automated Webhooks

The Modern Fintech Experience: SadaPay & NayaPay

Electronic Money Institutions (EMIs) like SadaPay and NayaPay have revolutionized digital banking in Pakistan with clean developer APIs, instant notifications, and modern mobile apps.

For developers building custom React, Next.js, or Laravel applications, integrating these rails for instant checkout reconciliation provides a world-class customer payment journey.

Integration Architecture

When a customer pays via SadaPay or NayaPay:

// Sample TezVerify Webhook Payload Dispatched to Merchant Server
{
  "event": "transaction.verified",
  "data": {
    "uuid": "013684d4-223f-481f-9fd5-85a291f601f0",
    "gateway": "sadapay",
    "transaction_reference": "SADA-88291039",
    "amount_expected": 3500.00,
    "amount_detected": 3500.00,
    "status": "verified",
    "verified_at": "2026-09-15T13:45:00Z",
    "customer": {
      "name": "Hamza Ali",
      "phone": "+923001234567"
    }
  },
  "signature": "sha256=a8f9c7e42b109e8d7c6b5a4..."
}

Step-by-Step Setup Guide

1. Register Your EMI Channel in TezVerify

Navigate to Merchant Dashboard → Payment Channels → Add Bank / Wallet Channel. Select SadaPay Business or NayaPay and configure your alert email or SMS sender code.

2. Verify Webhook Signature in Your Application

To prevent spoofing, always verify the HMAC-SHA256 signature using your TezVerify Webhook Secret:

$payload = file_get_contents('php://input');
$computedSignature = 'sha256=' . hash_hmac('sha256', $payload, config('services.tezverify.secret'));

if (!hash_equals($computedSignature, $request->header('X-TezVerify-Signature'))) {
    abort(401, 'Invalid webhook signature');
}

3. Handle Idempotent Event Processing

Store processed transaction_reference IDs in your local database so duplicate webhook deliveries (due to network retries) do not result in double order fulfillment.

Conclusion

Automating SadaPay and NayaPay along with legacy bank rails gives your customers the widest choice of digital payments while keeping your back-office fully automated.