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info@bancore.com
Number #1
In African Payments
Industry Standard
PCI Level 1
Trusted By
Top 10 remittance companies
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Identity Verification

  • eKYC verification and checks
  • BVN verification
  • PEP and other sanction checks
  • AML controls
  • 3 Tiered KYC checks
  • Image recognition and matching

Verify KYC Level 3

This operation is used to verify cardholder’s KYC Level 3 (KYC means ‘know your customer’). Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

bvn

BVN- Bank Verification Number

Required

firstName

First name registered with the BVN

Required

lastName

Last name registered with the BVN

Required

phone

Phone number registered with the BVN

Required

date

Date of birth registered with the BVN (dd-MMM-yyyy eg. 01-JAN-2010)

Optional

accountNumber

User bank account number

Required

bankCode

User bank code (6 digits)

Required

encKey

SHA-256(merchantID+bvn+privateKey)

Required

Response Parameters

Parameter

Description

Type

result

Response  code 

required

response

success or fail

required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifykycbvn.do?merchantID=72&bvn=22222222249&firstName=CHARLES&lastName=MEGAFU&phone=2348094194738&date=27-FEB-1977&accountNumber=1000178065&bankCode=999082&encKey=f2567d99d3fc39dc5c85eca7d044f45db2b2ca18af26d3b79ecd62c8150680

response:

result=30&response=success

Get Account KYC Level

This operation is used to get the KYC Level of the cardholder (KYC means ‘know your customer’). Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

accountID

Provided user id. Unique 19 digits code or mobile number in international format with country code

Required

merchantID

Provided merchant id

Required

encKey

Encryption key. SHA-256 (accountID + merchantID + merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

Parameter

Description

Type

result

Success or fail result code

Required

KYC Level

Account KYC Level.
Possible values:

0,1,2 – NON KYC levels
3 – FULL KYC level

For checkSUM:

0 – NON_KYC

1 – LIMITED_KYC

2 – BASIC_KYC

3 – FULL_KYC

Required

checkSUM

Encryption key. SHA- 256(accountID + kyc + merchantPrivateKey)

Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/kyc.do?accountID=2348096544765&merchantID=341&encKey=d2b4ab4a1c4c78e36808132887e64957954ed82d26a6314cb1c94058f2197b

response:

result=30&kyc=2&checkSUM=C90407B4A31B5DE9F9A8B6C64FB00C60DA28469BDD6F2B321BD03BC136B7D559

Verify Bank Details 

This method is used to verify bank account details. The bank account submitted on the request will be verified through NIBSS. Use the Method URL below.

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 (6 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

Verify BVN Number

This method is used to verify BVN Number. BVN Number submitted on the request will be verified through NIBSS. Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

bvn

BVN- Bank Verification Number

Required

merchantIP

IP address used to call the system

Required

firstName

First name registered with the BVN

Required

lastName

Last name registered with the BVN

Required

phone

Phone number registered with the BVN

Optional

date

Date of birth registered with the BVN (dd-MMM-yyyy eg. 01-JAN-2010)

Optional

encKey

SHA-256(merchantID+bvn+privateKey)

Required

Response Parameters

Parameter

Description

Type

result

Response  code 

required

response

Result of verification by NIBSS

required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/verifybvn.do?merchantID=72&bvn=22222222249&merchantIP=192.45.5.27&firstName=Charles&lastName=Megafu&phone=2348167351806&date=27-FEB-1977&encKey=f2567d99d3fc39dc5c85eca7d044f45db2b2ca18af26d3b79ecd62c8150680f

response:

result=30&response=00&validity=VALID

Verify Multiple BVN Numbers

This method is used to verify Multiple BVN Numbers. Multiple BVN Numbers submitted on the request will be verified through NIBSS. Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

data

request XML in same format as in NIBSS doc

Required

merchantIP

IP address used to call the system

Required

encKey

SHA-256(merchant_id + data + privatekey)

Required

Response Parameters

Parameter

Description

Type

result

Response  code 

required

response

Result of verification by NIBSS

required

Verify Mobile Number

Method URL

https://kegow.bancore.com/getit/api/mobile/checkCustomer.do

Request Parameters

Parameter

Description

Type

merchant_id

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

phone

Recipient’s phone number

Required

encKey

Encryption key SHA-256(merchant_id+phone+merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

firstName

First name of the user

Required

lastName

Last name of the user

Required

Get Personal Information

Method URL

https://kegow.bancore.com/getit/api/mobile/profile/get.do

Request Parameters

Parameter

Description

Type

access_token

Unique token generated

Required

merchant_id

Merchant account id. Provided by Bancore.

Required

encKey

Encryption key. SHA-256(merchant_id+ access_token+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

 result

Success or failure result code

Required

address

Customer’s address

Required

country

Customer’s country

Required

email

Customer’s email address

Required

firstName

Customer’s first name

Required

lastName

Customer’s last name

Required

zip

Zip code

Required

city

Customer’s city

Required

dateOfBirth

Customer’s date of birth

Required

subscribed

Customer’s subscription

Optional

address2

Customer’s address 2

Optional

fullAddress

Customer’s full address

Optional

cityDistrict

Customer’s city district

Optional

stateCountyRegion

Customer’s region code

Optional

Retrun Codes

Code

Value

Description

0

MISSING_PARAMETER

Required parameter(s) was not found or wrong name

10

REJECT_ENCKEY_MISMATCH

Encryption key is invalid

 30

SUCCESS

  Successful operation

95

INVALID_MERCHANT_ACCOUNT

Invalid merchant, merchant don’t exist

100

GENERAL_ERROR

Unknown error. Please try again later

102

BLOCKED_MOBILE_NUMBER

  Mobile number is blocked

415

WRONG_TOKEN

  Token value is wrong

Update Personal Information

This operation is used to update Personal Information of the cardholder. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/profile/update.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account id. Provided by Bancore.

Required

phone

Mobile number in international format

Required

address

Customer’s address

Required

country

Customer’s country

Required

email

Customer’s email address

Required

firstName

Customer’s first name

Required

lastName

Customer’s last name

Required

zip

Zip code

Required

city

Customer’s city

Required

dateOfBirth

Customer’s date of birth

Required

subscribed

Customer’s subscription

Optional

address2

Customer’s address 2

Optional

fullAddress

Customer’s full address

Optional

cityDistrict

Customer’s city district

Optional

stateCountyRegion

Customer’s region code

Optional

encKey

SHA-256(merchantID +phone+ email+ dateOfBirth+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/profile/update.do?merchantID=50&phone=2348096989068&address=Maple+street+29-2&country=NG&email=test@test.com&firstName=Ayn&lastName=Vorky&zip=100001&city=Lagos&dateOfBirth=2000-08-08&subscribed=true&address2=Maple+street+27-2&fullAddress=Maple+street+23+Lagos+100001&cityDistrict=test&stateCountyRegion=LA&encKey=d1eb48c64a55ccd08a86b53752660ee69b8593ba5a59c30d53d01ee2f90950

response:

result=30

Verify Upload KYC Documentation for Verification (POI, POA)

This operation is used to Upload KYC Documentation for Verification (POI, POA). Use the Method URL below.

Method URL

https://kegow.kegow.com/getit/api/merchant/kyc/upload.do

Request Parameters

Parameter

Description

Type

phone

Mobile number in international format

Required

merchantID

Provided merchant account id

Required

proofIdentityBase64

Document file encoded Base64. Proof of identity. Supported file type .jpeg, .png

Size limit 350 kb

Required

proofAddressBase64

Document file encoded Base64. Proof of address. Supported file type .jpeg, .png

Size limit 350 kb

Required

encKey

Encryption key. SHA-256(merchantID + phone + merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

Parameter

Description

Type

result

Success or fail result code

Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/kyc/upload.do
POST data:
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”merchantID”
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
341
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”phone”
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
2348096989068
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”proofIdentityBase64″
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
/9j/4AAQSkZJRgABAQEAYABgAAD/4RCoRXhpZgAATU0AKgAAAAgABAE7AA
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”proofAddressBase64″
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
/9j/4AAQSkZJRgABAQEAYABgAgABAE7AAIAAAASAAAISodpAAQAAAABAAAIXJydAAEAAAAkAAAQfOocAAcAAA
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa
Content-Disposition: form-data; name=”encKey”
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit
838b3a25736f7f8ee35efb562a35f4a34f299aefff3b4882f4ae940725aea50
–b9exOyfiapXwn_naf3Zbbo-Z_88TaZ_YCa–

response:

result=30

Possible Return Codes

Possible Return Codes are digit numerical values sent as a part of the response from the server. Status codes give an idea of whether the request to the server has been successful or not. 

Find in the table below the return codes and their respective descriptions:

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

40

 SUCCCESS. IN PROGRESS

Successful operation. Transaction in progress.

60

INVALID_CARD

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

61

CARD_BLOCKED

Blocked card

90

INVALID_ORDER_ID

OrderID must be unique

95

INVALID_MERCHANT_ACCOUNT

Invalid merchant, merchant don’t exist

96

INVALID_AMOUNT

Invalid amount for the operation

97

 AMOUNT_TOO_BIG

Amount is too big to be accepted by the destination phone number

98

TRANSFER_LIMIT

Transfer limit is reached

100

GENERAL_ERROR

Unknown error. Please try again later

102

BLOCKED_MOBILE_NUMBER

Mobile number is blocked

103

PIN_ERROR

PIN code is wrong

111

RECORD_NOT_FOUND

The requested record is not found

113

CARDID_TOKEN_WRONG

Card id differs from account represented by token

116

KYC_PAYMENT_LIMIT

Payment limit is exceeded for KYC level

200

USER_IP_TRIES_EXCEEDED

Customer has exceeded failed attempts and has been blocked

202

UNEXPECTED_MERCHANT_IP

Merchant IP is unknown

203

INACTIVE_MERCHANT_ACCOUNT

The merchant account is not active

300

FEE_NOT_FOUND

Fee value not available

400

APPLICATION_UPDATE

The application is not available

412

AMOUNT_ERROR

Amount is wrong

415

WRONG_TOKEN

Token value is wrong

420

WRONG_BANK_ACCOUNT

The submitted bank account information is incorrect