curl --request POST \
  --url https://sandbox.fapshi.com/direct-pay \
  --header 'Content-Type: application/json' \
  --header 'apikey: <api-key>' \
  --header 'apiuser: <api-key>' \
  --data '
{
  "amount": 101,
  "phone": "<string>",
  "name": "<string>",
  "email": "jsmith@example.com",
  "userId": "<string>",
  "externalId": "<string>",
  "message": "<string>"
}
'

{
  "message": "<string>",
  "transId": "<string>",
  "dateInitiated": "2023-12-25"
}