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info@bancore.com
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In African Payments
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P2P TRANSFER

  • Enable your customers to instantly transfer funds to their friends and families
  • Automatically transfer money to bank accounts, mobile wallets
  • Issue redeemable payment vouchers
  • Supports card to card, mobile number, email and bank accounts

Get Transaction Status

This operation is used to Get and Check Transaction Status. Use the Method URL below.

Method URL

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

 

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

encKey

SHA-256(orderID+merchantID+privateKey)

Required

orderID

Customer unique identifier of the transaction

Required

Response Parameters

Parameter

Description

Type

result

Response  code 

required

orderID

Customer unique identifier of the transaction

optional

transactStatus

COMPLETED for successful operations

CANCELLED for failed operations

optional

checkSum

SHA-256(orderID, transactionStatus, privateKey)

optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/txstatus.do?merchantID=72&orderID=1610548998576&encKey=060f8c6b82a64f558d26a6f1b59228966bde17d2b3ac5c799cb5d2602d8556

response:

result=30&transactStatus=CANCELED&checkSUM=0B9626C636011DEA7872CBE848F50164730C1054E70D979F18A1BAE6BBDB6A99&orderID=1610548998576

Transfer to Bank

This method is used to transfer funds to the destination bank account. Transfer is completed through Central Bank Switch. Funds will be loaded to the user bank account specified on request. Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

amount

Amount in smallest monetary unit

required

currency

Currency code (e.g NGN)

required

orderID

Unique identifier of the transaction

required

merchantID

Merchant Identifier in Kegow system

required

bankAccountNumber

User bank account number

required

bankSortCode

User bank code (6 digits)

required

beneficiaryName

Name of the beneficiary

optional

senderID

10 digits identifier of the sender

required

senderName

Sender’s name

required

customerRemark

Customer remark to be included in the transaction narration

optional

encKey

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

required

Response Parameters

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

required

transactionId

Transaction ID of the operation

optional

error

Bank switch error code returned in case of error 420

optional

errorText

Bank switch text of the error returned in case of error 420

optional

checkSum

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

optional

Sample:

request:

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

response:

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

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

Transfer/Deposit to a Mobile Phone Number

Method URL

https://kegow.bancore.com/getit/api/mobile/transfer/othercard.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

amount

Amount to be transferred in smallest monetary units (amount*100)

Required

currency

Card currency

Required

sourceCard

Source card id

Required

destinationPhone

Destination phone number in international format (country code followed by phone number e.g.
45246070605)

Required

encKey

Encryption key. SHA- 256 (merchantID + access_token + amount + sourceCard + destinationPhone +
merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

transactionID

Unique identifier of the transaction

Required

Response 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 

96

INVALID_AMOUNT

Invalid amount for the operation

97

 AMOUNT_TOO_BIG

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

100

GENERAL_ERROR

Unknown error. Please try again later

102

BLOCKED_MOBILE_NUMBER

Mobile number is blocked

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

400

APPLICATION_UPDATE

The application is not available

415

WRONG_TOKEN

   Token value is wrong

 

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

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