One API for deposits, payouts,
and merchant payments.

// Charge a customer via mobile wallet (PHP)
$timestamp = time();
$path      = '/v1/deposits';
$body      = json_encode([
    'amount'             => '25.00',
    'currency'           => 'USD',
    'channel'            => 'evc',
    'customer'           => ['phone' => '252611234567'],
    'merchant_reference' => 'order_8421',
]);

$toSign    = "$timestamp\nPOST\n$path\n" . hash('sha256', $body);
$signature = base64_encode(hash_hmac('sha256', $toSign, $apiSecret, true));

$response = httpPost('https://api.hubdexpay.com' . $path, $body, [
    'X-API-Key: '      . $apiKey,
    'X-Timestamp: '    . $timestamp,
    'X-Signature: '    . $signature,
    'Idempotency-Key: ' . $orderId,
]);

// Response: 201 Created
// { "data": { "id": "hdx_dep_01HKL...", "status": "pending", ... } }

# Same call as a one-liner
curl -X POST https://api.hubdexpay.com/v1/deposits \
  -H "X-API-Key: pk_live_xxx" \
  -H "X-Timestamp: $(date +%s)" \
  -H "X-Signature: $SIG" \
  -H "Idempotency-Key: order_8421" \
  -d '{
    "amount": "25.00",
    "currency": "USD",
    "channel": "evc",
    "customer": { "phone": "252611234567" },
    "merchant_reference": "order_8421"
  }'

# 201 Created
{
  "data": {
    "id":        "hdx_dep_01HKL...",
    "reference": "HDX-D-7K2A1B",
    "status":    "pending",
    "amount":    "25.0000",
    "net_amount": "24.6250"
  }
}

// Node.js / TypeScript
import crypto from 'node:crypto';
import { fetch } from 'undici';

const ts   = Math.floor(Date.now() / 1000);
const body = JSON.stringify({
  amount:   '25.00',
  currency: 'USD',
  channel:  'evc',
  customer: { phone: '252611234567' },
});

const bodyHash = crypto.createHash('sha256').update(body).digest('hex');
const sig      = crypto.createHmac('sha256', apiSecret)
  .update(`${ts}\nPOST\n/v1/deposits\n${bodyHash}`).digest('base64');

const res = await fetch('https://api.hubdexpay.com/v1/deposits', {
  method:  'POST',
  headers: { 'X-API-Key': apiKey, 'X-Timestamp': `${ts}`, 'X-Signature': sig },
  body,
});