Zero Payment Failures

// 3 lines to accept any payment
const zf = new ZeroFee({ apiKey: 'zf_live_xxx' });

const payment = await zf.payments.create({
  amount: 5000,
  currency: 'XOF',
  country: 'CI',
  payment_method: 'PAYIN_ORANGE_CI',
  customer: { phone: '+225xxxxxxxx' }
});

// Response with AI-selected optimal provider
{
  id: 'txn_xxx',
  status: 'pending',
  provider: 'hub2',  // AI-selected
  payment_flow: {
    type: 'direct',
    instructions: 'Check your phone'
  }
}