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International Remittance

  • Lets your customers send money to friends and family globally
  • Send money in multiple currencies
  • Supports multiple payment options Card to Card, mobile number, email, bank account
  • Instant settlement to over 70 Countries

Display Merchant Account Balance

This method is used for Merchant Account Balance enquiry. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/merchantBalance

Request Parameters

Parameter

Description

Type

currency

Merchant account currency

Required

merchantID

Provided merchant account id

Required

encKey

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

Required

Response Parameters

Parameter

Description

Type

result

Success or fail result code

Required

balance

Merchant available balance

Required

currency

Card currency

Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/merchantBalance.do?currency=NGN&merchantID=20&encKey=70a8bb32922bae7b1706da0b6705885ccd577c06d1b4180ea06b6f853c959e

response:

result=30&balance=73000¤cy=NGN&checkSUM=46155793B0CE1D81F0AC61B7AD1FCFD1C83F25CA7B10BA83B419AB374B4338A7

Transfer to Wallet. Get Rates.

This method is used to transfer funds to the wallet and get exchange rates. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/mfs/rate.do

Request Parameters

Parameter

Description

Type

Parameter

Description

Type

merchantID

Merchant account ID provided by Bancore

Required

fromCurrency

Source currency (ISO code)

Required

toCurrency

Destination currency (ISO code)

Required

toCountry

Destination country (2 letters ISO code) e.g. Nigeria – NG

Required

encKey

SHA-256(merchantID + fromCurrency + toCurrency + toCountry + merchantPrivateKey)

Required 

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

 

required

rate

json {
“from_currency”:”value”,
“fx_rate”:”value”,
“partner_code”:”value”,
“time_stamp”:”value”,
“to_currency”:”value”
}

optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/mfs/rate.do?merchantID=72&fromCurrency=USD&toCurrency=NGN&toCountry=NG&encKey=d9d09132217cc3b587f3c79ac22d35a786abcf4638fd20f65b4578d0a90902

response:

result=30&rate={“from_currency”:”USD”,”fx_rate”:”357.39″,”partner_code”:”CPNG”,”time_stamp”:”2020-04-09 13:32:55″,”to_currency”:”NGN”}

Transfer to Wallet. Get List of Supported Partners.

This method is used to transfer funds to the wallet and get the List of Supported Partners. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/mfs/partners.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

encKey

SHA-256(pmerchantID + merchantPrivateKey)

Required 

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

required

partners

json 

[{
“countryCode”:”value”,
“currencyCode”:”value”,
“limit”:”value”,
“maxDailyValue”:”value”,
“maxMonthlyValue”:”value”,
“maxWeeklyValue”:”value”,
“minPerTxLimit”:”value”,
“maxPerTxLimit”:”value”,
“partnerCode”:”value”,
“partnerName”:”value”},
{
“countryCode”:”value”,
“currencyCode”:”value”,
“limit”:”value”,
“maxDailyValue”:”value”,
“maxMonthlyValue”:”value”,
“maxWeeklyValue”:”value”,
“minPerTxLimit”:”value”,
“maxPerTxLimit”:”value”,
“partnerCode”:”value”,
“partnerName”:”value”
}]

required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/mfs/partners.do?merchantID=72&country=KE&encKey=893e19577461aa8235a31520b60da4a023e9d0a574de14544e2b6caa9ca7c6

response:

result=30&partners=[{“countryCode”:”CI”,”currencyCode”:”XOF”,”limit”:”250000.0500000.050000.0150000.0100.0″,”maxDailyValue”:”250000.0″,”maxMonthlyValue”:”500000.0″,”maxWeeklyValue”:”150000.0″,”minPerTxLimit”:”100.0″,”maxPerTxLimit”:”50000.0″,”partnerCode”:”MTNCI”,”partnerName”:”MTN CI”},{“countryCode”:”CM”,”currencyCode”:”XOF”,”limit”:”250000.0500000.050000.0150000.0100.0″,”maxDailyValue”:”250000.0″,”maxMonthlyValue”:”500000.0″,”maxWeeklyValue”:”150000.0″,”minPerTxLimit”:”100.0″,”maxPerTxLimit”:”50000.0″,”partnerCode”:”MTNCM”,”partnerName”:”MTN CM”},{“countryCode”:”UG”,”currencyCode”:”UGX”,”limit”:”8000000.02.4E74000000.0150000.0500.0″,”maxDailyValue”:”8000000.0″,”maxMonthlyValue”:”2.4E7″,”maxWeeklyValue”:”150000.0″,”minPerTxLimit”:”500.0″,”maxPerTxLimit”:”4000000.0″,”partnerCode”:”MTNUG”,”partnerName”:”MTN UG”},{“countryCode”:”ZM”,”currencyCode”:”ZMW”,”limit”:”6000.018000.03000.0150000.01.0″,”maxDailyValue”:”6000.0″,”maxMonthlyValue”:”18000.0″,”maxWeeklyValue”:”150000.0″,”minPerTxLimit”:”1.0″,”maxPerTxLimit”:”3000.0″,”partnerCode”:”MTNZM”,”partnerName”:”MTN ZM”},{“countryCode”:”NG”,”currencyCode”:”NGN”,”limit”:”1000000.03000000.0500000.01000000.0350.0″,”maxDailyValue”:”1000000.0″,”maxMonthlyValue”:”3000000.0″,”maxWeeklyValue”:”1000000.0″,”minPerTxLimit”:”350.0″,”maxPerTxLimit”:”500000.0″,”partnerCode”:”PAGANG”,”partnerName”:”PAGANG”}]

Transfer to Wallet. Verify Wallet.

This method is used to transfer funds to the wallet and verify the wallet. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/mfs/account.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

msisdn

Mobile number of the wallet in international format starting with country code
(234xxxxxxxxxx)

Required

toCountry

Destination country (2 letters ISO code) e.g. Nigeria – NG

Required

encKey

SHA-256(merchantID + msisdn + toCountry + merchantPrivateKey)

Required 

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

required

account

json
[{
“msisdn”:”value”,
“partner_code”:”value”,
“status_code”:”value”
}]

optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/mfs/account.do?merchantID=72&msisdn=0776220110&toCountry=UG&encKey=3e7b25bc55a3a0c8460eaf048554cfae7ff8c7be59da4b04c1f5b2bc28df4e&network=airtel_money

response:

result=30&account=”Test MTN Account”

Transfer to Wallet.

This method is used to transfer funds to the wallet. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/mfs/transaction.do

Request Parameters

Parameter

Description

Type

 

merchantID

 

Merchant account ID

 

Required

amount

Amount in smallest monetary units (*100)

Required

currency

Destination wallet currency (ISO code)

Required

fromCountry

Source country (ISO code) 2 digits Nigeria – NG

Required

toCountry

Destination country (ISO code) 2 digits Nigeria – NG

Required

senderMsisdn

Mobile number of the sender in international format starting with country code (234xxxxxxxxxx)

Required

senderFirstName

First name of the sender

Required

senderLastName

Last name of the sender

Required

receiverMsisdn

Mobile number of the destination wallet in international format starting with country code (234xxxxxxxxxx)

Required

receiverFirstName

First name of receiver

Required

receiverLastName

Last name of receiver

Required

thirdPartyTransID

Unique transaction ID

Required

encKey

SHA-256(merchantID + amount + currency + receiverMsisdn + senderMsisdn + thirdPartyTransID + merchantPrivateKey)

Required 

Response Parameters

Parameter

Description

Type

result

Response code in case of successful transaction will be APPROVED = “30”

required

 

Сustomer first name stored in account

required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/mfs/transaction.do?merchantID=72&amount=10500¤cy=XAF&fromCountry=NG&toCountry=CM&senderMsisdn=2348061472595&senderFirstName=Zimniy&senderLastName=Just&receiverMsisdn=237653801972&receiverFirstName=Test&receiverLastName=Example&thirdPartyTransID=1585669144280&encKey=6eeb77ebcd11602b10063f10cff06d3be930541a321ec5c94d0bf56959102e&network=

response:

result=30

International bank transfer.

This method is used to initiate cross-border bank transfers. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/xe/transfer.do

Request Parameters

Parameter

Description

Type

Format

merchantID

Merchant account ID

Man

Numeric

amount

Amount in smallest monetary unit (*double)

Man

Numeric

buyCurrency

Destination currency (ISO code e.g. GBP)

Man

Alphabetic

sellCurrency

Source currency (ISO code e.g. GBP)

Man

Alphabetic

bankCountryCode

Country code of the recipient bank

Man

Numeric

accountNumber

Recipient bank account number

Man

Numeric

accountName

Recipient bank account name

Man

Alpha-Numeric

nationalClearingCode

Clearing code if available

Man

Numeric

bankName

Name of the recipient bank

Man

Alpha-Numeric

orderID

Unique identifier of the operation must be alphanumeric

Man

Alpha-Numeric

encKey

SHA-256(merchantID + amount + buyCurrency + sellCurrency + bankCountryCode + accountName + accountNumber + nationalClearingCode + BankName + merchantPrivateKey)

Man

Alpha-Numeric

*Man – Mandatory
*Opt – Optional

Response Parameters

Parameter

Description

Type

Format

result

Response  code

result

Numeric

transactionId

Id of the transaction

ID

Numeric

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/xe/transfer.do?merchantID=72&amount=5.00&buyCurrency=GBP&sellCurrency=USD&bankCountryCode=GB&accountName=testing+2nd+Dec+recipient&accountNumber=12548795&nationalClearingCode=010541&bankName=bank+of+testing&orderID=1575554178160&encKey=d615cf45bc0811cc8c7964cd6d21a7a1cec7039c82bc16da6c2dc9c4996a7c4b

response:

result=30&transactionId =19842653

Currency exchange rates

This method is used to inquire currency exchange rate. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/xe/rate.do

Request Parameters

 

Parameter

Description

Type

Format

merchantID

Merchant account ID

Man

Numeric

amount

Amount in smallest monetary unit (*double)

Man

Numeric

buyCurrency

Destination currency (ISO code e.g. GBP)

Man

Alphabetic

sellCurrency

Source currency (ISO code e.g. GBP)

Man

Alphabetic

encKey

SHA-256(merchantID + amount + buyCurrency + sellCurrency + merchantPrivateKey)

Man

Alpha-Numeric

*Man – Mandatory
*Opt – Optional

Response Parameters

 

Parameter

Description

Type

Format

result

Response  code

result

Numeric

rate

Currency exchange rate

amount

Numeric

inverseRate

Inverse currency exchange rate

rate

Numeric

buyAmount

Converted amount

amount

Alphabetic

sellAmount

Initial amount

amount

Alphabetic

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/xe/rate.do?merchantID=72&amount=100.00&buyCurrency=GBP&sellCurrency=USD&encKey=a92e51143d2a0d52eb0d6d5a67be5a450ebf660d33c53b3973d775d063b493aa

response:

result=30&rate=1.3075&inverseRate=0.7648&buyAmount=76.48&sellAmount=100.00

List of Banks for International Bank Transfer

This method is used to get the list of banks for international bank transfer. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/xe/bank/info.do

Request Parameters

Parameter

Description

Type

merchantID

Provided merchant id

Required

country

Country name e.g. Nigeria

Required

encKey

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

Required

Response Parameters

Parameter

Description

Type

result

Success or fail result code

Required

info

List of banks and bank codes for the specified country in json format

Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/xe/bank/info.do?merchantID=72&country=Nigeria&encKey=5d2a4dc8f502dbd21f16810f62b9417917c8dfd2947b52267efe9c8a82a0f1

response:

result=30&info=[ { “Bank”: “Access Bank PLC”, “Swift Code”: “FBNINGLA” }, { “Bank”: “Diamon Bank PLC”, “Swift Code”: “DBLNNGLA” }, { “Bank”: “Fidelity Bank PLC”, “Swift Code”: “FIDTNGLA” }, { “Bank”: “First City Monument Bank PLC”, “Swift Code”: “FCMBNGLA” }, { “Bank”: “First Bank of Nigeria Limited”, “Swift Code”: “FBNINGLA” }, { “Bank”: “Guaranty Trust Bank PLC”, “Swift Code”: “GTBINGLA” }, { “Bank”: “Skye Bank PLC – Now Polaris Bank PLC”, “Swift Code”: “PRDTNGLA” }, { “Bank”: “Union Bank PLC”, “Swift Code”: “UBNINGLA” }, { “Bank”: “United Bank for Africa PLC”, “Swift Code”: “UNAFNGLA” }, { “Bank”: “Zenith Bank PLC”, “Swift Code”: “ZEIBNGLA” }, { “Bank”: “Citi Bank Nigeria Limited”, “Swift Code”: “CITINGLA” }, { “Bank”: “Ecobank Nigeria PLC”, “Swift Code”: “ECOCNGLA” }, { “Bank”: “Globus Bank Limited”, “Swift Code”: “GLOUNGLA” }, { “Bank”: “Heritage Banking Company Limited”, “Swift Code”: “HBCLNGLA” }, { “Bank”: “Ketstone Bank Limited”, “Swift Code”: “PLNINGLA” }, { “Bank”: “Stanbic IBTC Bank Plc”, “Swift Code”: “SBICNGLX” }, { “Bank”: “Standard Chartered”, “Swift Code”: “SCBLNGLA” }, { “Bank”: “Sterling Bank PLC”, “Swift Code”: “NAMENGLA” }, { “Bank”: “Unity Bank PLC”, “Swift Code”: “ICITNGLA” }, { “Bank”: “Wema Bank PLC”, “Swift Code”: “WEMANGLA” }, { “Bank”: “Suntrust Bank Nigeria Limited”, “Swift Code”: “SUTGNGLA” }, { “Bank”: “Providus Bank Limited”, “Swift Code”: “UMPLNGLA” }, { “Bank”: “Jaiz BankPlc”, “Swift Code”: “JAIZNGLA” } ]

 

Get Fee for Operation

This method is used to Get Fee for Operation. Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

merchantID

Merchant account id. Provided by Bancore.

Required

amount

Amount of the operation

Required

currency

Currency of the operation

Required

type

Type of the operation:

TRANSFER_VIRTUAL_TO_VIRTUAL, TRANSFER_VIRTUAL_TO_PLASTIC,
TRANSFER_PLASTIC_TO_VIRTUAL – card to card transfer

TRANSFER_VIRTUAL_TO_VIRTUAL_OTHER_ACCOUNT, 
TRANSFER_VIRTUAL_TO_PLASTIC_OTHER_ACCOUNT, TRANSFER_PLASTIC_TO_VIRTUAL_OTHER_ACCOUNT, TRANSFER_PLASTIC_TO_PLASTIC_OTHER_ACCOUNT – transfer to a mobile phone number

TOPUP_VIRTUAL_BY_VIRTUAL, TOPUP_PLASTIC_BY_VIRTUAL, TOPUP_VIRTUAL_BY_VIRTUAL_NEW (used when card list was returned empty) – voucher redemption

QUICK_TELLER_BILL_PAYMENT_BY_PLASTIC
QUICK_TELLER_BILL_PAYMENT_BY_VIRTUAL – bill payment operations through Quick Teller
BILL_PAYMENT_BY_PLASTIC_TO_VIRTUAL – request money and invoce operations
BILL_PAYMENT_BY_VIRTUAL_TO_VIRTUAL

Required

encKey

Encryption key. SHA-256 (merchantID + amount + currency + type + merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

totalAmount

total amount of operation

Required

feeAmount

fee for operation

Required

result

Success or failure result code

 Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/fee/get.do?merchantID=72&amount=100000¤cy=NGN&type=TRANSFER_VIRTUAL_TO_PLASTIC&encKey=f4cfedf68220876a34c8ddadc0caa9779d2d33b366a94fb325aba7a3efb349d

response:

result=30&totalAmount=101000&feeAmount=1000

Verify Bank Account

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

Transfer to Bank

This method is used to perform transfers to banks. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/mfs/bankremit.do

Request Parameters

Parameter

Description

Type

Format

merchantID

Merchant account ID

Man

Numeric

amount

Amount in smallest monetary unit (*100)

Man

Numeric

currency

Destination currency (ISO code e.g. GBP)

Man

Alphabetic

fromCountry

Source country (2 letters ISO code) e.g. Nigeria – NG

Man

Alphabetic

toCountry

Destination country (2 letters ISO code) e.g. Nigeria – NG

Man

Alphabetic

senderMsisdn

Mobile number of the sender in international format starting with country code (234xxxxxxxxxx)

Man

Numeric

senderFirstName

First name of the sender

Man

Alphabetic

senderLastName

Last name of the sender

Man 

Alphabetic

receiverMsisdn

Mobile number of the wallet in international format starting with country code (234xxxxxxxxxx)

Man

Numeric

receiverFirstName

First name of the recipient

Man

Alphabetic

receiverLastName

Last name of the recipient

Man

Alphabetic

thirdPartyTransID

Unique identifier of the transaction

Man

Alpha-Numeric

accountNumber

Destination Bank Account Number

Man

Alpha-Numeric

bankcode

Destination Bank sort code

Man

Alpha-Numeric

statusCode

Status code of the operation 1

Man

Numeric

encKey

SHA-256(merchantID + amount + currency + thirdPartyTransID + merchantPrivateKey)

Man 

Alpha-Numeric

*Man – Mandatory
*Opt – Optional

Response Parameters

Parameter

Description

Type

Format

result

Response  code

result

Numeric

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/mfs/bankremit.do?merchantID=72&amount=1100¤cy=NGN&fromCountry=NG&toCountry=NG&senderMsisdn=2349092151999&senderFirstName=John&senderLastName=Doe&receiverMsisdn=2349092151996&receiverFirstName=PATRICKMUBIRU&receiverLastName=KIZITO&thirdPartyTransID=1597664727687&accountNumber=2662030406&bankcode=050&statusCode=1&encKey=b44c7385e4df037a2615f23550a84e794398ba361849af85c135c6cdabecbb7b

response:

result=30&fx_rate=378.1

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