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Payment query

Send reference using the paymentReference returned by initiation, together with its original gateway. Query can still return pending; status success means provider-verified collection, not separate settlement or an accounting-credit guarantee.

POST https://api.tinkerpayments.com/v1/merchant/payment/query
Authorization: Bearer <token>
Content-Type: application/json

{
  "reference": "cs_test_example",
  "gateway": "stripe"
}
Illustrative HTTP 200: verified collection
{
  "success": true,
  "data": {
    "id": "8c6d6d48-3f24-4dc9-b302-b2df02302712",
    "status": "success",
    "reference": "cs_test_example",
    "amount": 25,
    "currency": "USD",
    "channel": "stripe",
    "paid_at": "2026-10-10T12:00:00Z",
    "created_at": "2026-10-10T11:59:00Z"
  }
}

Follow the first-payment workflow and check delivery acknowledgement separately.