Credo SDK Flutter

This library allows for the easy integration of Credo into your Flutter application. It shoulders the burden of PCI compliance by sending credit card details directly to Credo's servers rather than to your server.

Flow Summary

  1. Collect user's card details, email and phone number.

  2. Initialize the CredoPlugin by creating an object of the CredoPlugin class with two named parameters passed to the constructor.

    • The first argument is the public key of the merchant
    • The second argument is the secret key of the merchant.
    • Both public and secret keys are provided by Credo to the merchants.
    • Prompts backend to initialize transactions by calling the initialPayment method.
    • Credo's backend returns a payment slug which is returned when Initiate Payment endpoint is called
    • App provides the payment slug and card details to our SDK's using the pay and verifyCardNumber methods
  3. Once request is successful, ThirdPartyPaymentResponse is return.


  • To start using this package, simply add the following to project pubspec.yaml
  flutter_credo: <lastes-version>


1. Permissions

To use this package, your android app must declare internet permission. Add the following code to the application level of your AndroidManifest.xml.

	<uses-permission android:name="android.permission.INTERNET" />

2. Initializing SDK

To use [Credo] SDK, you need to first initialize it by using the `CredoPlugin` class.

CredoPlugin credoPlugin =  CredoPlugin(
    publicKey:  'public_key',
    secretKey:  'secret_key',

Ensure to perform this instantiation in the initState method of your Widget.

CredoPlugin credoPlugin;

void  initState() {
credoPlugin =  CredoPlugin(
publicKey:  'pk_demo-cKwtbsYaPNjgZZIFfznnZJGP49plbw.ujlZ0XcwAD-d',
secretKey:  'sk_demo-dQJJE9tFlunJv9jjZmJ49nyhqXKrbA.CchUPg1aqj-d',


3. Initiate Payment

Payment transaction can be initiated with the initialPayment method:


  • amount The amount to be transacted.
  • currency The currency to be transacted in.
  • redirectUrl The url to redirect to after transaction.
  • transRef optional The transaction reference for the payment
  • paymentOptions option can be "CARD" or "USSD" or "BANK"
  • customerName Name of the customer
  • customerEmail Email address of the customer
  • customerPhone Phone number of the customer If the method call is success a InitPaymentResponse is returned from the Future else it throws a CredoException with an error message.
		InitPaymentResponse initPaymentRes =  await credoPlugin.initialPayment(
		amount:  100.0,
		currency:  'NGN',
		customerEmail:  'info@charlesarchibong.com',
		customerName:  'Charles Archibong',
		customerPhoneNo:  '000000000000',
		if(e is CredoException){

5. Make Payment

After payment initialization, payment is made using the pay method


  • amount The amount to be transacted.
  • ordeCurrency The currency to be transacted in.
  • cardNumber The number of the verified debit card.
  • expiryMonth The expiry month of the verified card.
  • expiryYear The expiry Year of the verified card.
  • securityCode The cvv number of the verified card.
  • transRef The transaction reference used to during initiate payment stage.
  • customerEmail Email address of the customer.
  • customerName Name of the customer.
  • customerPhone Phone number of the customer.
  • paymentSlug this is part of the response of initiatePayment method in step 3 above.
		ThirdPartyPaymentResponse thirdPartyPaymentResponse = await credoPlugin.pay(
			orderCurrency:  'NGN',
			cardNumber:  '',
			expiryMonth:  '07',
			expiryYear:  '23',
			securityCode:  '027',
			transRef:  initPaymentRes.transactionRef,
			paymentSlug: initPaymentRes.paymentSlug,
			orderAmount:  100.00,
			customerEmail:  'charlesarchibong10@gmail.com',
			customerName:  'Charles Archibong',
			customerPhoneNo:  '09039311559',
	} catch(e){
		if(e is CredoException){

After payment, you can call the verifyTransaction which returns VerifyTransactionResponse to verify the payment and confirm all is good.

you can check out the example on this link