Online Payment - Acquiring

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.

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
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”}

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

This method is used to make payment with a token associated with the payment card. Use the Method URL below.

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	Alpha-Numeric
authCode	Token of the card	Man	Alpha-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
email	Email of the cardholder	Man	Alpha-Numeric
encKey	SHA-256(merchantID + amount + currency + authCode + merchantPrivateKey)	Man	Alpha-Numeric

*Man – Mandatory
*Opt – Optional

Response Parameters

Parameter

Description

Type

Format

result

Response code

result

Numeric

status

Success or Failure of the operation

result

Alpha-Numeric

data

Json

{
“code”:”value”,
“payments”:{
“country”:”value”,
“amount”:”value”,
“code”:”value”,”paymentReference”:”value”,
“currency”:”value”,
“publicKey”:”value”,
“message”:”value”,
“email”:”value”,
“productDescription”:” value”},
“message”:”value”}

json

Alpha-Numeric

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/topupbycard/charge.do?merchantID=72&paymentReference=1580985105198&authCode=caa193f91017f1be85af&amount=1500¤cy=NGN&email=marrys92@gmail.com&encKey=b2fc2a2e61f527db99979ea0362fc355e17de46d7d2ac9cf3443f49999218d7e

response:

result=30&status=SUCCESS&data={“code”:”00″,”payments”:{“country”:”NG”,”amount”:”15″,”code”:”00″,”paymentReference”:”1580985105198″,”currency”:”NGN”,”publicKey”:”SBTESTPUBK_03snGRxdB0zN6xttx37zyVFcXhZzNfwY”,”message”:”Successful”,”email”:”marrys92@gmail.com“,”productDescription”:”Authorised charge”},”message”:”Successful”}

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

P2P Transfer

International Remittance

Online Payment - Acquiring

Card acquiring solution

Method URL

Request Parameters

Response Parameters

Sample:

Callback Parameters

Callback Sample

Card tokenization and card acquiring with card token

Request Parameters

Response Parameters

Sample:

Possible Return Codes

API Specification

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