> ## Documentation Index > Fetch the complete documentation index at: https://docs.ndovu.co/llms.txt > Use this file to discover all available pages before exploring further. # Invest for a customer > Creates a Payment for one plan. Whether it is an initial investment or a top-up is decided from the customer's holdings. For BANK_TRANSFER, the bank details to pay into are provided in the response, and the payment reference is required as the memo (narration) on the transfer; for MPESA, an STK push goes to phoneNumber. Resend a timed-out request with the same Idempotency-Key: you get the original Payment back, never a second one. After a FAILED Payment, use a new key. ## OpenAPI ````yaml /api-reference/openapi.json post /api/v3/partners/{shortName}/customers/{externalUserId}/invest openapi: 3.0.0 info: title: Ndovu Partner API description: API for partners distributing Ndovu investment products to their customers. version: '3' contact: {} servers: - url: https://be-dev-1.dev.ndovu.co description: Development security: [] tags: [] paths: /api/v3/partners/{shortName}/customers/{externalUserId}/invest: post: tags: - partners summary: Invest for a customer description: >- Creates a Payment for one plan. Whether it is an initial investment or a top-up is decided from the customer's holdings. For BANK_TRANSFER, the bank details to pay into are provided in the response, and the payment reference is required as the memo (narration) on the transfer; for MPESA, an STK push goes to phoneNumber. Resend a timed-out request with the same Idempotency-Key: you get the original Payment back, never a second one. After a FAILED Payment, use a new key. operationId: PartnerMoneyController_invest_v3 parameters: - name: shortName required: true in: path description: Your partner short name schema: type: string - name: externalUserId required: true in: path description: Your own ID for the customer schema: type: string - name: Idempotency-Key in: header description: >- Generate one per intended investment (a UUID is recommended) and resend it on retries. The same key with the same body returns the original Payment; with a different body, 409. required: true schema: type: string requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/PartnerInvestDto' examples: BANK_TRANSFER: value: planId: 12 amount: 5000 currency: KES channel: BANK_TRANSFER MPESA: value: planId: 12 amount: 5000 currency: KES channel: MPESA phoneNumber: '+254712345678' responses: '200': description: Payment already created with this Idempotency-Key content: application/json: schema: $ref: '#/components/schemas/PartnerInvestResponseDto' '201': description: Payment created content: application/json: schema: $ref: '#/components/schemas/PartnerInvestResponseDto' '400': description: >- IDEMPOTENCY_KEY_REQUIRED, or the amount is below the plan minimum for this currency '403': description: FUNDING_METHOD_NOT_ENABLED or PARTNER_DISABLED '404': description: CUSTOMER_NOT_FOUND or PLAN_NOT_FOUND '409': description: IDEMPOTENCY_KEY_REUSED '422': description: PLAN_NOT_INVESTABLE security: - bearer: [] components: schemas: PartnerInvestDto: type: object properties: planId: type: number example: 12 description: A plan id from GET plans amount: type: number minimum: 1 example: 5000 currency: enum: - KES - USD - RWF - TZS - EUR - GBP type: string example: KES channel: enum: - MPESA - BANK_TRANSFER type: string example: BANK_TRANSFER phoneNumber: type: string example: '+254712345678' description: >- Required for MPESA: the number that receives the STK push. Any valid number; it need not be the customer's own required: - planId - amount - currency - channel PartnerInvestResponseDto: type: object properties: reference: type: string example: NDV7F3K9Q description: >- The PaymentReference. For a bank transfer, quote it as the transfer memo channel: type: string enum: - MPESA - BANK_TRANSFER amount: type: number example: 5000 finalAmount: type: number example: 5000 description: The amount to pay currency: type: string example: KES status: enum: - PENDING - COMPLETED - FAILED type: string mnoReference: type: string nullable: true description: The M-Pesa receipt bankReference: type: string nullable: true description: The bank's own transaction id, once reconciled phoneNumber: type: string nullable: true example: +2547...5678 description: The paying number, redacted (M-Pesa) plan: nullable: true allOf: - $ref: '#/components/schemas/PartnerPlanRefDto' transactionId: type: number nullable: true description: >- The Transaction this Payment funds. Null until the Payment is COMPLETED, when the Transaction is created createdAt: format: date-time type: string completedAt: format: date-time type: string nullable: true bankDetails: nullable: true description: >- Where to send a bank transfer. Only while a BANK_TRANSFER Payment is PENDING allOf: - $ref: '#/components/schemas/PartnerBankDetailsDto' fee: type: number example: 50 description: The deposit fee this investment will be charged required: - reference - channel - amount - finalAmount - currency - status - createdAt - fee PartnerPlanRefDto: type: object properties: id: type: number example: 12 name: type: string example: Ndovu Money Market Fund required: - id - name PartnerBankDetailsDto: type: object properties: bankName: type: string bankBranch: type: string accountName: type: string accountNumber: type: string swiftCode: type: string nullable: true required: - bankName - bankBranch - accountName - accountNumber securitySchemes: bearer: scheme: bearer bearerFormat: JWT type: http ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.