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Online Payment - Acquiring

Important: Please use the corresponding merchant account for the transaction currency.
If transaction is in USD – please use USD merchant account.
If transaction is in NGN – please use NGN merchant account.

  • Accept payment online, anywhere in the world
  • Accept payments in multiple currencies globally
  • Accept payments on mobile and web
  • Support 3D secure cards
  • Accept payments from multiple payment options: Cards, mobile wallet, Wechat, Alipay

Card acquiring solution

Use this method for first time payment with a card that does not have a token associated with it.

In response to the request, a redirect URL will be provided where the cardholder needs to be taken to confirm the payment with 3D secure.

Once confirmed a callback will be initiated from our side to the callback URL provided in the request that will contain a token generated for the card.

In case of verification, a failure callback is not initiated. Use the Method URL below.

NOTE: This API method loads money from bank card to merchant account.

In order to move money from merchant account to prepaid card please use following API methods:

  1. issue and load prepaid card (https://kegow.bancore.com/getit/api/merchant/bankTopup.do)
  2. load existing prepaid card using card ID (https://kegow.bancore.com/getit/api/merchant/deposit.do)

Method URL

https://kegow.bancore.com/getit/api/merchant/topupbycard/subscription/create.do

Request Parameters

Parameter

Description

Type

Format

merchantID

Merchant account ID

Man

Numeric

paymentReference

Unique identifier of payment

Man

Alpha-Numeric, Max 15

cardNumber

16 digits PAN number

Man

Numeric

expiryMonth

2 digits of the month card is valid to

Man

Numeric

expiryYear

2 digits of the year card is valid to

Man 

Numeric

cvv

3 digits security code printed on the back of the card

Man

Numeric

pin

4 digits pin code number

Man

Numeric

amount

Amount to be charged from card in smallest monetary units (1*100)

Man

Numeric

currency

Currency (ISO code e.g. GBP)

Man

Alphabetic

country

Country card is issued in (2 letters ISO code) e.g. Nigeria – NG

Man

Alphabetic

cardName

Name on card

Man

Alphabetic

mobileNumber

Mobile number of the cardholder

Man

Numeric

customerId

Unique identifier of cardholder

Man

Numeric

email

Email of the cardholder

Man

Alpha-Numeric

callbackURL

Callback where cardholder will be redirected after payment

Man

Alpha-Numeric

encKey

SHA-256 (merchantID + amount + currency + mobileNumber + cardNumber + merchantPrivateKey)

Man

Alpha-Numeric

*Man – Mandatory

*Opt – Optional

Response Parameters

Parameter

Description

Type

Format

result

Response  code

result

Numeric

status

Status of the request Success or Failure

result

Alphabetic

data

json {
“code”:”value”,”payments”:{ “paymentReference”:”value”,
“linkingReference”:”value”,
“redirectURL”:”value”
}

json

Alpha-Numeric

message

Message

text

Alphabetic

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/topupbycard/subscription/create.do?merchantID=72&paymentReference=1580986096016&cardNumber=5123450000000008&expiryMonth=05&callbackUrl=https://www.google.com&expiryYear=24&cvv=100&amount=2000¤cy=NGN&country=NG&cardName=Bola+Olat&email=marry332@gmail.com&mobileNumber=09022323531&pin=1111&customerId=1580986096281&encKey=922a32c04519f3dda0ca11f1fdb79aa34bb2915cc9fb801fda3f6a4646443f02

response:

result=30&status=SUCCESS&data={“code”:”S20″,”payments”:{“paymentReference”:”1580986096016″,”linkingReference”:”F509420731580986157494″,”redirectUrl”:”https://staging.seerbitapigateway.com/seerbit/card-dispatch?sredref=F509420731580986157494″},”message”:”Transaction is pending”}

Notes: If the request contains the link callbackUrl = https://www.google.com, then when you go to this page, the status of the transaction will be indicated in the address bar:

1. Complete success looks like this

https://www.google.com/?message=Successful&authcode=80a087ce3023bc2416bf&reference=1633087034232

(this is all in the address bar on the callback page)

2.  Some kind of error has occurred

https://www.google.com/?message=Successful&reference=1633087034232

(authcode disappeared, then an error has occurred)

3. Card verification failed

https://www.google.com/?message=Verification%20Failed.%20&reference=1633087162815

Callback Parameters

Parameter

Description

Type

Format

message

Success or Failure of the operation

result

Alphabetic

authcode

Card token. Unique identifier to be stored for future use as card alias.

result

Alphabetic

reference

Payment reference

result

Numeric

Callback Sample

https://www.google.com/?message=Successful&authcode=602e4ac697a398d8f7cc&reference=1580986096016

Card tokenization and card acquiring with card token

Use this method for first time payment with a card that does not have a token associated with it.

In response
to the request, a redirect URL will be provided where the cardholder needs to be taken to confirm the payment with
3D secure. Once confirmed a callback will be initiated from our side to the callback URL provided in the request
that will contain a token generated for the card.

In case of verification, a failure callback is not
initiated.

Method URL

https://kegow.bancore.com/getit/api/merchant/topupbycard/charge.do

Request Parameters

Parameter

Description

Type

Format

merchantID

Merchant account ID

Man

Numeric

paymentReference

Unique identifier of payment

Man

Numeric

cardNumber

16 digits PAN number

Man

Numeric

expiryMonth

2 digits of the month card is valid to

Man

Numeric

expiryYear

2 digits of the year card is valid to

Man

Numeric

cvv

3 digits security code printed on the back of the card

Man

Numeric

pin

4 digits pin code number

Man

Numeric

amount

Amount to be charged from card in smallest monetary units (1*100)

Man

Numeric

currency

Currency (ISO code e.g. GBP)

Man

Alphabetic

country

Country card is issued in (2 letters ISO code) e.g. Nigeria – NG

Man

Alphabetic

cardName

Name on card

Man

Alphabetic

mobileNumber

Mobile number of the cardholder

Man

Numeric

customerId

Unique identifier of cardholder

Man

Numeric

email

Email of the cardholder

Man

Alpha-Numeric

callbackUrl

Callback where cardholder will be redirected after payment

Man

Alpha-Numeric

encKey

SHA-256 (merchantID + amount + currency + mobileNumber + cardNumber +
merchantPrivateKey)

Man

Alpha-Numeric

sourceCurrency

Currency (ISO code e.g. GBP)

Opt

Alphabetic

rate

rate

Opt

Numeric

*Man – Mandatory
*Opt – Optional

Response Parameters

Parameter

Description

Type

Format

result

Response  code

result

Numeric

status

Status of the request Success or Failure

result

Alpha-Numeric

data

json {

  “code”:”value”,{

  “paymentReference”:”value”,

       “linkingReference”:”value”,

       “redirectURL”:”value”

}

json

Alpha-Numeric

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/topupbycard/subscription/create.do?
merchantID=72&paymentReference=1618906911558&cardNumber=5123450000000008&expiryMonth=05&callbackUrl=https%3A%2F%2Fwww.google.com&expiryYear=24&cvv=100&amount=200¤cy=USD&country=NG&cardName=Bola+Olat&email=bolaolat532%40gmail.com&mobileNumber=09022323531&pin=1111&customerId=1618906911595&encKey=27f33d66cd91b77cd24f73d4182c7cff8dee94e23060246b36d7dc3d3a9361c&sourceCurrency=NGN&rate=10.5

response:

result=30&status=SUCCESS&data={“code”:”S20″,”payments”:{“paymentReference”:”1618906911558″,”linkingReference”:”SEERBIT021999681618907025772″,”redirectUrl”:”https://staging.seerbitapigateway.com/seerbit/card-dispatch?sredref=SEERBIT02199968161890702772″},”message”:”Transaction is pending”}

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