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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

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

AUTHORISED for transactions in progress

optional

text

Details of the transaction including cancellation reason if the transaction
was canceled.

optional

checkSum

SHA-256(orderID, transactionStatus, privateKey)

optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/txstatus.do?merchantID=76&encKey=7c3493911e323c9e8a58ab5c89a798c396df27cbd11bb7e4f5bb3870dd837327&orderID=1618844319674

response:

result=30&transactStatus=COMPLETED&checkSUM=2BCB301E55FCA55ECA07F619970769EB1F77537152DE671A9A75EC9ECB0C7451&orderID=1618844319674&text=This is FROM NIBSS Peter Vor/1000178065 /GTBank Plc:OFOLETA DANIEL

Sample (the transaction was canceled manually):

request:

https://kegow.bancore.com/getit/api/merchant/txstatus.do?merchantID=76&encKey=d0e2aafe494862291d9468863c2bd2a77e6cd4afa80809f91b37071c9072b41d&orderID=1619008224574

response:

result=30&transactStatus=CANCELED&checkSUM=468DB0914A52F5B414E94918F5D220CAE49CB14B0C94A9434044F645FFC96C53&orderID=1619008224574&text=This is FROM NIBSS Peter Vor/1020041527 /Zenith Bank:EHIMARE OAIKHENA Beneficiary Account is not a USD Account

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

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

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/Deposit to a Mobile Phone Number

Method URL

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

Request Parameters

Parameter

Description

Type

merchant_id

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

 

Transfer Merchant account to Merchant account

Method URL

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

Request Parameters

Parameter

Description

Type

merchantID

Merchant account ID

Required

destinationMerchantID

Merchant account ID

Required

amount

Amount in smallest monetary units (*100)

Required

currency

Destination wallet currency (ISO code)

Required

encKey

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

Required

Response Parameters

Parameter

Description

Type

result

Response code in case of successful transaction  will be

APPROVED = “30”

required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/transfer/internalaccount.do?merchantID=76&destinationMerchantID=341&amount=1500¤cy=NGN&encKey=08765718ae10d46c2635c57437825d949d4d01cbfadf9f12c266860452d0fc13

response:

result=30

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

Switch Bank Codes

Switch Bank Codes

Code

Institution Name

070001

NPF MicroFinance Bank

070002

Fortis Microfinance Bank

070006

Covenant MFB

070008

Page Financials

090004

Parralex Microfinance bank

090097

Ekondo MFB

090110

VFD MFB

090111

FinaTrust Microfinance Bank

090112

Seed Capital Microfinance Bank

090114

Empire trust MFB

090115

TCF MFB

090116

AMML MFB

090117

Boctrust Microfinance Bank

090118

IBILE Microfinance Bank

090119

Ohafia Microfinance Bank

090120

Wetland Microfinance Bank

090121

Hasal Microfinance Bank

090122

Gowans Microfinance Bank

090123

Verite Microfinance Bank

090124

Xslnce Microfinance Bank

090125

Regent Microfinance Bank

090126

Fidfund Microfinance Bank

090127

BC Kash Microfinance Bank

090128

Ndiorah Microfinance Bank

090129

Money Trust Microfinance Bank

090130

Consumer Microfinance Bank

090131

Allworkers Microfinance Bank

090132

Richway Microfinance Bank

090133

AL-Barakah Microfinance Bank

090134

Accion Microfinance Bank

090135

Personal Trust Microfinance Bank

090136

Baobab Microfinance Bank

090137

PecanTrust Microfinance Bank

090138

Royal Exchange Microfinance Bank

090139

Visa Microfinance Bank

090140

Sagamu Microfinance Bank

090141

Chikum Microfinance Bank

090142

Yes Microfinance Bank

090143

Apeks Microfinance Bank

090144

CIT Microfinance Bank

090145

Fullrange Microfinance Bank

090146

Trident Microfinance Bank

090147

Hackman Microfinance Bank

090148

Bowen Microfinance Bank

090149

IRL Microfinance Bank

090150

Virtue Microfinance Bank

090151

Mutual Trust Microfinance Bank

090152

Nagarta Microfinance Bank

090153

FFS Microfinance Bank

090154

CEMCS Microfinance Bank

090155

Advans La Fayette Microfinance Bank

090156

e-Barcs Microfinance Bank

090157

Infinity Microfinance Bank

090158

Futo Microfinance Bank

090159

Credit Afrique Microfinance Bank

090160

Addosser Microfinance Bank

090161

Okpoga Microfinance Bank

090162

Stanford Microfinance Bak

090164

First Royal Microfinance Bank

090165

Petra Microfinance Bank

090166

Eso-E Microfinance Bank

090167

Daylight Microfinance Bank

090168

Gashua Microfinance Bank

090169

Alpha Kapital Microfinance Bank

090171

Mainstreet Microfinance Bank

090172

Astrapolaris Microfinance Bank

090173

Reliance Microfinance Bank

090174

Malachy Microfinance Bank

090175

HighStreet Microfinance Bank

090176

Bosak Microfinance Bank

090177

Lapo Microfinance Bank

090178

GreenBank Microfinance Bank

090179

FAST Microfinance Bank

090180

Amju Unique Microfinance Bank

090188

Baines Credit Microfinance Bank

090189

Esan Microfinance Bank

090190

Mutual Benefits Microfinance Bank

090191

KCMB Microfinance Bank

090192

Midland Microfinance Bank

090193

Unical Microfinance Bank

090194

NIRSAL Microfinance Bank

090195

Grooming Microfinance Bank

090196

Pennywise Microfinance Bank

090197

ABU Microfinance Bank

090198

RenMoney Microfinance Bank

090205

New Dawn Microfinance Bank

090251

UNN MFB

090258

Imo State Microfinance Bank

090259

Alekun Microfinance Bank

090260

Above Only Microfinance Bank

090261

Quickfund Microfinance Bank

090262

Stellas Microfinance Bank

090263

Navy Microfinance Bank

090264

Auchi Microfinance Bank

090265

Lovonus Microfinance Bank

090266

Uniben Microfinance Bank

090267

Kuda Microfinance Bank

090268

Adeyemi College Staff Microfinance Bank

090269

Greenville Microfinance Bank

090270

AB Microfinance Bank

090271

Lavender Microfinance Bank

090272

Olabisi Onabanjo University Microfinance Bank

090273

Emeralds Microfinance Bank

090274

Prestige Microfinance Bank

090275

Ikire Microfinance Bank

090276

Trustfund Microfinance Bank

090277

Al-Hayat Microfinance Bank

090278

Glory Microfinance Bank

090280

Megapraise Microfinance Bank

090281

MintFinex Microfinance Bank

090282

Arise Microfinance Bank

090285

First Option Microfinance Bank

090286

Safe Haven Microfinance Bank

090287

AssetMatrix Microfinance Bank

090289

Pillar Microfinance Bank

090290

FCT Microfinance Bank

090292

Afekhafe Microfinance Bank

090293

Brethren Microfinance Bank

090295

Omiye Microfinance Bank

090296

Polyunwana Microfinance Bank

090297

Alert Microfinance Bank

090298

FedPoly Nasarawa Microfinance Bank

090303

Purplemoney Microfinance Bank

090305

Sulspap Microfinance Bank

090308

Brightway Microfinance Bank

Switch Response Codes

Switch Response Codes

Codes

Descriptions

00

Approved or completed successfully

01

Status unknown, please wait for settlement report

03

Invalid Sender

05

Do not honor

06

Dormant Account

07

Invalid Account

08

Account Name Mismatch

09

Request processing in progress

12

Invalid transaction

13

Invalid Amount

14

Invalid Batch Number

15

Invalid Session or Record ID

16

Unknown Bank Code

17

Invalid Channel

18

Wrong Method Call

21

No action taken

25

Unable to locate record

26

Duplicate record

30

Format error

34

Suspected fraud

35

Contact sending bank

51

No sufficient funds

57

Transaction not permitted to sender

58

Transaction not permitted on channel

61

Transfer limit Exceeded

63

Security violation

65

Exceeds withdrawal frequency

68

Response received too late

69

Unsuccessful Account/Amount block

70

Unsuccessful Account/Amount unblock

71

Empty Mandate Reference Number

91

Beneficiary Bank not available

92

Routing error

94

Duplicate transaction

96

System malfunction

97

Timeout waiting for response from destination

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