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In African Payments
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Bulk Operations

  • Supports bulk transactions
  • Enables bulk executions of consumer services
  • Payroll and Invoicing

Verify Client on BulkPay Platform

Customer that applies for account on BulkPay platform must be fully verified agent with pre-funded wallet on Kegow platform.

This method will allow to check if customer is registered on Kegow platform, if it was verified and set up as an agent, what is the balance of customer agent wallet.

If customer is registered – full user information, including balance and security id and key for further operations of this customer will be returned. If customer is not registered on Kegow platform or is not set up as needed an error code will be returned.

Method URL

https://kegow.bancore.com/getit/api/merchant/verifyclient.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID of the BulkPay platform in Kegow system

required

phoneNumber

Mobile number in international format of the client

required

encKey

SHA-256(merchantID + phoneNumber + merchantPrivateKey)

merchantPrivateKey is provided together with merchantID for BulkPay platform

required

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  operation  will be

APPROVED = “30”

result

errorMessage

Description of error returned

required

privateKey

  Private key of the client merchant account in Kegow system that should be used for security token generation for further operations

required

merchantID

  Merchant account id of client in Kegow system

required

firstName

  First name of the client registered in the system

required

lastName

  Last name of the client registered in the system

required

address

  Address of the client registered in the system

required

balance

  Virtual card balance of the client registered in the system

required

currency

  Currency of the card. Currency code (e.g NGN)

required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifyclient.do?merchantID=75&phoneNumber=2347083692514&encKey=D19D4CCBD6902840EFD31912F90B199BDB6152CA34AD8BA09AD38B8A85C0D15C

response:

result=30&firstName=Kordelia&lastName=Neismith&address=address&balance=9363.59¤cy=XOF&merchantID=76&privateKey=9CCBA435041C266E210D8695D7047A1A0A343FEFECBA05D811701BFC3A9C510F

Security Token Generation

Security token should be generated before operation and is valid 24 hours.

Method URL

https://kegow.bancore.com/getit/api/merchant/token.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID of the client

required

phone

Mobile number in international format (234xxxxxxxxxx)

required

operation

Name of operation (signup, airtime, bankwithdraw, deposit, fee)

required

encKey

SHA-256(phone + operation + merchant_id + SHA-256(phone + * + merchantID))

NOTE: Result of SHA-256(phone + * + merchantID) must be in upper case

merchantPrivateKey – value received in “privateKey” parameter in verifyclient.do method

required

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  operation  will be

APPROVED = “30”

result

token

Unique security token. Token is valid 24 hours. Should be generated for every client separately.

token

chekSum

SHA-256(merchantID +  phone  +  token + merchantPrivateKey)

checkSum

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/token.do?merchantID=76&phone=2347083692514&operation=signup&encKey=BC6E9BBEC9A26DCAB344728723A5FDB9DA233B77DB1D6CE922EEA079AC8B1CA1

response:

result=30&checkSUM=EAA11E55FCE8835BEA06CC806929C5F6304F96D39F5864BC8810362C2B5EA957&token=lq10Ra4YzE

Users Registration by Customer

Users Registration by Customer

This method is used to initiate registration of users by customer. Bank account submitted in the request will be verified through NIBSS. If success response was returned for phone number signup/confirm.do method should be used to complete the registration.

Method URL

https://kegow.bancore.com/getit/api/merchant/signup.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID of the client

required

phone

Mobile number in international format (234xxxxxxxxxx)

required

name

User name

required

address

User address

required

city

User city

required

region

Region in ISO code format (ex. Lagos – LA)

required

country

User country in ISO code format (ex. Nigeria – NG)

required 

zip

Zip Code 

required

email

User email

optional 

bankAccountNumber

User bank account number

required 

bankSortCode

User bank code (6 digits)

required

encKey

SHA-256(merchantID + phone + token)

required 

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

result

errorText

Description of error returned

errorText

phone

User phone number (234xxxxxxxxxx)

phone

bankAccountName

Parameter containing nibss name enquiry response is returned in case of success. In case of nibss
invocation failure nibss error response  code returns in errorText

text

encKey

SHA-256(phone +  result + token)

encKey

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/signup.do?merchantID=76&phone=2348190785738&name=Tomas Tangor&address=main street 81&city=Lagos&country=NG&zip=123654&email=kegow@default.com&bankAccountNumber=0418563022&bankSortCode=214&encKey=9FB14E9535BD1047FF23ADF5BDA1BEBB11270948A7E8503558FEDF43EAB5BA73

response:

result=30&phone=2348190785738&bankAccountName=Anyaccountname&encKey=66054C8A5544B744E6C1DD00F487634B7E753BB62E783291FFB9BC0718549689&errorText=null

Users Registration by Customer. Confirmation Step.

This method is used to confirm registration initiated in signup.do method. Once confirmed an SMS will be sent to the submitted phone number that will contain a link for user to complete the registration. Should be used only for users with valid bank accounts.

Method URL

https://kegow.bancore.com/getit/api/merchant/signup/confirm.do

Request Parameters

Parameter

Description

Type

 merchantID

 Merchant account ID

 required

 phone

 Mobile number in international format  (234xxxxxxxxxx)

 required

encKey

SHA-256(merchantID + phone + token)

required

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

result

errorText

Description of error returned

errorText

phone

User phone number  (234xxxxxxxxxx)

phone

encKey

SHA-256(phone +  result + token)

encKey

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/signup/confirm.do?merchantID=76&phone=2348190785738&encKey=CCC8CE1B569B2CE5915BF2A6D80407D365EBA133CCA971C24B7F866D28F050AE

response:

result=30&phone=2348190785738&encKey=F952FD2776CEABAE0E6CAAA30D0189D6911A2822EFA541CBE3370C0C162205DB&errorText=null

Transfer to Bank

Deposit funds to user bank account. Funds will be loaded to user bank account specified in the request.

Method URL

https://kegow.bancore.com/getit/api/merchant/bankwithdraw.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant unique identifier in Kegow system

required

amount

Amount in smallest monetary unit

required

currency

Currency code (e.g NGN)

required

orderID

Unique identifier of the transaction

required

bankAccountNumber

User bank account number

required

bankSortCode

User bank code (6 digits)

required

encKey

SHA-256(merchantID + orderID + Amount + Currency + bankAccountNumber + bankSortCode + token)

required

Response Parameters

Parameter

Description

Type

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

required

transactionId

Transaction ID of the operation

optional

checkSum

SHA-256(merchantID + orderID + Amount + Currency + BankAccountNumber + BankSortCode + token)

optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/bankwithdraw.do?merchantID=76&amount=20000¤cy=NGN&orderID=160610&bankAccountNumber=0418563022&bankSortCode=214&encKey=6C7DA9A63F2A4792D74B2B2F16DFE9B82AF2488D40AF2119CC6AE51CB844F5EE

response:

result=30&checkSUM=059A9HGDIUL84DB8F4C33F361904125A6AA1AF9C188D45A92739E0D4A4&transactionID=2534

Airtime Top up

Purchase airtime recharge for user phone number. Funds will be loaded to user phone account.

Method URL

https://kegow.getitcard.net/getit/api/merchant/airtime.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID of the client

required

operator

Mobile phone operator name (MTN-MTN;ETST-Etisalat;VISAF-VISAF;AIRT-AirTel;MLINK-MLINK;GLO-GLO)

required

destinationNumber

Mobile phone number of recipient of airtime in international format (234xxxxxxxxxx)

required

amount

Amount in smallest monetary unit

required

currency

Currency code (e.g NGN)

required

orderId

Unique identifier of the transaction

required

encKey

SHA-256(merchantID + destinationNumber + amount + orderID +operator + token)

required

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

required

errorMessage

Description of error returned

optional

transactionId

Transaction ID of the operation

optional

Sample:

request:

https://kegow.getitcard.net/getit/api/merchant/airtime.do?merchantID=76&operator=AIRT&destinationNumber=2348083354094&amount=10000¤cy=NGN&orderId=190679&encKey=F0F16CAB1C991DDDA1B74C34F3464F783456A9216253CE19A19C038CA544FFA4

response:

result=30&transactionId=2593

Get Fee for Operation

Get fee amount for specific operation in order to calculate total amount needed for specific operation.

Method URL

https://kegow.bancore.com/getit/api/merchant/fee.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

operation

Name of operation (airtime, bankwithdraw, deposit)

 Required

encKey

SHA-256(merchantID + operation + token)

Required

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

result

errorText

Description of error returned

errorText

fee

Fee object in JSON

result=30&fee={
“currency”:”NGN”,
“intervals”:[{
“endBound”:2147483647,
“originatorParts”:
[{“amount”:13000, “percent”:0,”sign”:false }], “receiverParts”:[]},
{“endBound”:2147483647,”originatorParts”:[],”receiverParts”:[]}]}

Amount in smallest monetary units

fee

checkSum

SHA-256(merchantID + result + token)

checkSum

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/fee.do?merchantID=76&operation=deposit&encKey=1228ED9B120D5DB80AFD596C8BB220C79BB2EE188D39B2A395C930A7141BD11B

response:

result=30&fee={“currency”:”NGN”,”intervals”:[{“endBound”:2147483647,”originatorParts”:[{“amount”:1000,”percent”:0,”sign”:true}],”receiverParts”:[]},{“endBound”:2147483647,”originatorParts”:[],”receiverParts”:[]}]}&errorText=null&checksum563FE1E32EEE4E5B158BC4D631DC11FBDF7D136ADF62AAAF560A230A37983F2A

Verify Bank Details

This method is used to verify bank account details. Bank account submitted in request will be verified through NIBSS.

Method URL

https://kegow.bancore.com/getit/api/merchant/verifybank.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID of the client

required

bankAccountNumber

User bank account number

required 

bankCode

User bank code (3 digits)

required

encKey

SHA-256(bankCode+ merchantID+ bankAccountNumber+ merchantSecurityKey

required 

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

result

errorMessage

Description of error returned

errorText

errorCode

Nibss name enquiry response code

errorCode

accountIdentificationName

Parameter containing nibss name enquiry response is returned in case of success. In case of nibss invocation failure nibss error response code returns in errorCode

text

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifybank.do?merchantID=75&bankAccountNumber=0418563022&bankCode=214&encKey=829E38D21CEB5474BDD9A62C5FEAE15F79027014835843B79AAF3C12E291064E

response:

result=30&errorCode=01&accountIdentificationName=Anyaccountname&errorMessage=null

Possible Return Codes

Code

Value

Description

0

MISSING_PARAMETER

Required parameter(s) was not found or wrong name

10

REJECT_ENCKEY_MISMATCH

Encryption key is invalid

20

INSUFFICIENT_FUNDS

Not enough funds for requested operation

30

SUCCCESS

Successful Payment

60

INVALID_CARD

Invalid card number.  Account  doesn’t exist
For registration, returns if account already exists 

61

CARD_BLOCKED

Card blocked

90

INVALID_ORDERID

OrderID must be unique

95

INVALID_MERCHANT_ACCOUNT

Invalid merchant, merchant don’t exist

100

GENERAL_ERROR

Unknown error. Please try again later

101

MOBILE_NUMBER_ERROR 

Mobile number is wrong

102

BLOCKED_MOBILE_NUMBER

Mobile number is blocked

103

PIN_ERROR

PIN code is wrong

113

CARDID_TOKEN_WRONG

Card id differs from account represented by token

116

KYC_PAYMENT_LIMIT

Payment limit is exceeded for KYC level

150

VIRTUALCARD_LIMIT_EXCEEDED

Virtual cards limit is excceeded

151

PLASTICCARD_LIMIT_EXCEEDED

Plastic cards limit is excceeded

200

USER_IP_TRIES_EXCEEDED

Customer has exceeded failed attempts and has been blocked

202

UNEXPECTED_MERCHANT_IP

Merchant IP is unknown

203

DEACTIVE_MERCHANT_ACCOUNT

The merchant account is not active

300

FEE_NOT_FOUND

Fee value not available

400

APPLICATION_UPDATE

The application is not available

415

WRONG_TOKEN

Token value is wrong

420

BANK_TRANSFER_FAILED

Transfer to bank failed