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Lorsque le payeur valide ou annule, Freemopay envoie un **callback** au webhook du marchand avec un `status` final :\n    \n    - `SUCCESS` → paiement effectué\n        \n    - `FAILED` → paiement échoué (accompagné d’un message d’erreur)\n        \n3. Le marchand peut aussi interroger à tout moment l’état en **GET /payment/:reference**.\n    \n\n**Authentification**\n\n- **Basic Auth** : `username` = `appKey`, `password` = `secretKey`\n    \n- **Bearer Token** : jeton JWT obtenu via `/token` (expires in 3600 s)\n    \n\nRate limiting\n\n100 requêtes par minute par compte marchand\n\nAu-delà, réponse 429 Too Many Requests avec en-tête Retry-After indiquant le délai à 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