Prepaid Card

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Mastercard, VISA, UnionPay and Verve supported

Customer Registration

This operation is used to register a new cardholder. Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
phone	Mobile number in international format	Required
name	User name	Required
address	User address (max length 50)	Required
city	User city	Required
country	User country in ISO code format (ex. Nigeria – NG)	Required
zip	Zip Code	Required
region	Region code in ISO format (LA for Lagos)	Optional
customerID	National ID	Optional
ip	User IP address	Optional
email	User email	Optional
encKey	SHA-256(merchantID + phone + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	result
phone	User phone number	phone
encKey	SHA-256(merchantID + phone + result + merchantPrivateKey)	encKey
errorText	If we have some errors, add supported text.	errorText

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/registration.do?merchantID=76&phone=2348049714879&name=Max+Andros&address=Cronenberg+321&city=Abuja&country=NG&zip=00176®ion=LA&customerID=1999755079&ip=198.31.5.81&email=test@test,com&birthDate=2000-08-28&encKey=4dd9a00401fd7b850d02e3ced85509f4e9f2bd9dcfe1a5ce9d47131cb36639b

response:

result=30&phone=2348049714879&encKey=30305088E682D2EC11BE4FC5715BC09C5F3BD50C95EBEDE2547F77BA6EA7C606&errorText=null

Display account data

This operation retrieves cardholder registration data. Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
phone	Mobile number in international format	Required
encKey	SHA-256(phone + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of successful transaction will be APPROVED = “30”	required
firstName	Сustomer first name stored in account	optional
lastName	Customer last name stored in account	optional
dateOfBirth	User date of birth in format year-month-date	optional
state	User registered state in ISO format	optional
address	User registered address	optional
city	User registered City	optional
zip	User registered zip code	optional
remitterId	User ID registered with the account	optional
pinExist	True – permanent pin code set up for the account False – Go through OTP	optional
checkSum	SHA-256(phone + merchantID + firstName + merchantPrivateKey)	optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/account.do?merchantID=72&phone=2348094194738&encKey=3b66f9492d62a3000cf131a13df8441337056b163e2c707931af79ecdefe11a

response:

result=30&firstName=Airiel&lastName=Corund&dateOfBirth=2000-08-28&state=LA&address=Cronenberg321&city=Abuja&zip=00176&remitterId=1999755079&checkSUM=D4EDC61F1D4A376F579FCB80E667B1B660B18B00764ECA6806D8EADDC71622CF&cards=11984931&pinExist=false

Display Card Balance

This operation allows checking the current card balance of the cardholder. Use the Method URL below.

Method URL

https://kegow.kegow.com/getit/api/merchant/balance.do

Request Parameters

Parameter	Description	Type
cardID	Provided card reference/id	Required
merchantID	Provided merchant account id	Required
encKey	Encryption key. SHA-256(cardID + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
amount	Card available balance	Required
cardName	Card holder name	Required
currency	Card currency	Required
checkSUM	Encryption key. SHA-256(cardID + merchantID + amount + currency + merchantPrivateKey)	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/balance.do?cardID=4860095&merchantID=72&encKey=b0714fc99dbaa713c079729024d38d3c00243925e10fb8aede6818ee6837221

response:

result=30&amount=1698.7¤cy=XOF&cardName=Airiel Corund&checkSUM=1E8B5182961500B7AB6403B6BF66E4F0FBDC7BB5ABCE35C4380CF88BEC162F99

Mini Statement

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID (will be provided by Retailer)	Required
cardID	Customer card id	Required
startDate	Start period date in format dd/MM/yyyy	Required
endDate	End period date in format dd/MM/yyyy	Required
encKey	SHA-256(merchantId + cardId + startDate + endDate + merchantPrivateKey)	Required

Response Parameters

Response content type: application/xml

Examples:

Request:

https://kegow.bancore.com/getit/api/merchant/ministatement.do?merchantID=341&cardID=4861361&startDate=01/03/2021&endDate=30/03/2021&encKey=69e98f31a5b94fd74998c4926dd0b80b13f85f5b755e5a93553941abcc6baa82

Response:



    30
    4861361
    01/03/2021
    30/03/2021
    
        2021-03-25T12:34:18+01:00
        Mini Statement
        654122020
        -2
        -2
        111.60
        
        
        
        
    
    
        2021-03-24T16:13:36+01:00
        Funds Transfer External Account to Card
        653789293
        58.80
        58.80
        113.60
        
        
        
        
    
    
        2021-03-24T16:06:34+01:00
        Mini Statement
        653787641
        -2
        -2
        54.80
        
        
        
        
    
    
        2021-03-24T15:58:36+01:00
        Mini Statement
        653783911
        -2
        -2
        56.80
        
        
        
        
    
    
        2021-03-24T14:42:29+01:00
        Funds Transfer External Account to Card
        653762914
        58.80
        58.80
        58.80

Update Personal Information

This operation is used to update Personal Information of the cardholder. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/profile/update.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
phone	Mobile number in international format	Required
address	Customer’s address	Required
country	Customer’s country	Required
email	Customer’s email address	Required
firstName	Customer’s first name	Required
lastName	Customer’s last name	Required
zip	Zip code	Required
city	Customer’s city	Required
dateOfBirth	Customer’s date of birth	Required
subscribed	Customer’s subscription	Required
address2	Customer’s address 2	Optional
fullAddress	Customer’s full address	Optional
cityDistrict	Customer’s city district	Optional
stateCountyRegion	Customer’s region code	Optional
encKey	SHA-256(merchantID+phone+email+dateOfBirth+merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or failure result code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/profile/update.do?merchantID=50&phone=2348096989068&address=Maple+street+29-2&country=NG&email=test@test.com&firstName=Ayn&lastName=Vorky&zip=100001&city=Lagos&dateOfBirth=2000-08-08&subscribed=true&address2=Maple+street+27-2&fullAddress=Maple+street+23+Lagos+100001&cityDistrict=test&stateCountyRegion=LA&encKey=d1eb48c64a55ccd08a86b53752660ee69b8593ba5a59c30d53d01ee2f90950

response:

result=30

Withdraw Funds

This operation is used to send a request to Withdraw Funds from the card. Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
cardID	Provided card reference/id	Required
merchantID	Provided merchant id	Required
currency	Currency code (e.g USD)	Required
amount	Amount in smallest monetary unit	Required
orderID	Customer unique identifier of the transaction	Required
encKey	Encryption key. SHA-256(cardID + amount + currency + orderID + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
transactID	Transaction id	Optional
orderID	Customer unique identifier of the transaction	Optional
checkSUM	Encryption key. SHA-256(amount + transactID + merchantPrivateKey)	Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/withdraw.do?cardID=4856967&merchantID=341¤cy=XOF&amount=1100&orderID=1612264148991&encKey=a1f9ef2f206b709bb7d5b569b4d2955f6f2af315812f2ddb40da18908e9426

response:

result=30&transactID=71686&checkSUM=2D453BE4AD4070529A51BBFF133813D7BD262F911205BC52A0E768709FBF7670&orderID=1612264148991

Deposit Funds (Card Load for Existing Users with CardID)

This operation is used to send a request to Deposit Funds to the existing card (Card Load for Existing Users with CardID). Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
cardID	Provided card reference/id	Required
merchantID	Provided merchant id	Required
currency	Currency code (e.g USD)	Required
amount	Amount in smallest monetary unit	Required
orderID	Customer unique identifier of the transaction	Required
encKey	Encryption key. SHA-256(cardID + amount + currency + orderID + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
transactID	Transaction id	Optional
orderID	Customer unique identifier of the transaction	Optional
checkSUM	Encryption key. SHA-256(amount + transactID + merchantPrivateKey)	Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/deposit.do?cardID=4857751&merchantID=72¤cy=XOF&amount=150000&orderID=1612266441118&encKey=a18ae4861c445491c643f2832b6c8e189660079ca1e3d17ea977c243444f79

response:

result=30&transactID=71698&checkSUM=5111486137B63B5285486844B7CA658CF4FF0BFE830484C4F400A77D957EA26C&orderID=1612266441118

Deposit Funds (Card Load for Newly Registered Users without Card)

This operation is used to send a request to Deposit Funds (Card Load for Newly Registered Users without Card). Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
accountID	Provided user id. Unique 19 digits code or mobile number in international format with country code	Required
merchantID	Provided merchant id	Required
currency	Currency code (e.g VND)	Required
amount	Amount in smallest monetary unit	Required
orderID	Customer unique identifier of the transaction	Optional
encKey	Encryption key. SHA-256(accountID + amount + currency + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
transactID	Transaction id	Optional
cardID	Сard reference returned in case if deposit is made to accounts that were registered but card was not issued for them.	Optional
orderID	Customer unique identifier of the transaction	Optional
checkSUM	Encryption key. SHA-256(amount + transactID + merchantPrivateKey)	Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/bankTopup.do?accountID=2348098855313&merchantID=72¤cy=XOF&amount=112000&orderID=1612189492732&encKey=103a243c059d172051d1333278597a950f49708713c88a06653749a3fc36f

response:

result=30&transactID=71635&checkSUM=20BF7627F327714F5F12712FF401C3FA3F194A275F58EA1B5DBE8939344FA0D8&cardID=4860380&orderID=1612189492732

Get Card ID

This operation allows getting the Card ID of the cardholder. Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
accountID	Provided user id. Unique 19 digits code or mobile number in international format with country code	Required
merchantID	Provided merchant id	Required
encKey	Encryption key. SHA- 256 (accountID + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
cardID	Default Card reference	Required
checkSUM	Encryption key. SHA – 256 (accountID + cardID + merchantPrivateKey)	Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/card.do?accountID=2348096989068&merchantID=341&encKey=f68242311323512b3a5cf388693354a01c932c97bee1e3f9f819fb0b3fbe44

response:

result=30&cardID=4855676&checkSUM=249BE088E6003E3B752B30FB9A1462D8D7EBCD5908651E9359915E572E829989

Get Card Image

This operation allows getting the Card Image. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/merchant/card/image.do

Request Parameters

Parameter	Description	Type
merchantID	Merchant account id. Provided by Bancore.	Required
phone	Mobile number in international format	Required
card_id	Unique identifier of the card	Required
encKey	Encryption key. SHA-256(merchantID+phone+card_id+merchantPrivateKey)	Required

Response Parameters

Jsp file for customize:

/WEB-INF/pages/card/image/cardImage.jsp

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/card/image.do?merchantID=76&phone=2348098855313&card_id=4860381&encKey=2c872a73dd62095c188cda0c600b0cc8a943bb2863034974b870360c069984

response:

Issue Additional Prepaid Virtual Card

Method URL

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

Request Parameters

Parameter	Description	Type
accountID	Provided user id. Unique 19 digits code or mobile number in international format with country code	Required
merchantID	Provided merchant id	Required
currency	Currency code (e.g VND)	Required
amount	Amount in smallest monetary unit	Required
orderID	Customer unique identifier of the transaction	Optional
encKey	CEncryption key. SHA-256(accountID + merchantID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success or fail result code	Required
transactID	Transaction id	Optional
cardID	Сard reference returned in case if deposit is made to accounts that were registered but card was not issued for them.	Optional
orderID	Customer unique identifier of the transaction	Optional
checkSum	Encryption key. SHA-256(amount + transactID + cardID+merchantPrivateKey)	Optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/issuecard.do?accountID=2348096326998&merchantID=341¤cy=XOF&amount=100000&orderID=1612283107905&encKey=23fdb0796ea9e4086665bc8aadbff0f3a291c5c96855289e3b4a857acb94f9

response:

result=30&cardID=4860408&transactionID=71728&checkSUM=BCC00875A3AEC0511690C699B6A23A7A42CEA8C6607A5668402820CA368FA714&orderID=1612283107905

Add Plastic Card API

This operation is used to Add Plastic Card to the cardholder’s account. Use the Method URL below.

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
accountID	Mobile number in international format with country code	Required
cardID	GTP customer ID	Required
digits	Four last digits of the card	Required
encKey	SHA-256(accountID+cardID+digits+merchantID+privateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/addplastic.do?merchantID=72&accountID=2348092685963&cardID=2253781&digits=3853&encKey=985091f1b7834e477e2bf05381cc459f27f980bce3fad8038b400276cf953bd

response:

result=30&checkSUM=9112E7AAADCC1164B73F199F95E29A558F425BD05F256AD1256D1330ED9A7FA9

Freeze/Activate Card

Method URL

https://kegow.bancore.com/getit/api/mobile/freezeThaw.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	Success or failure result code	Required
errorMessage	Error description	Required

Sample:

request:

https://kegow.bancore.com/getit/api/mobile/freezeThaw.do?merchant_id=83&card_id=4737684&status=FREEZE&access_token=nMQVcZ0&encKey=a4d5b48822324db7045e101f8d29be3d53078c17e4cebe4c542a70815845ff2e

response:

result=30

Return Codes

Code	Value	Description
0	MISSING_PARAMETER	Required parameter(s) was not found or wrong name
10	REJECT_ENCKEY_MISMATCH	Encryption key is invalid
30	SUCCESS	Successful operation
95	INVALID_MERCHANT_ACCOUNT	Invalid merchant, merchant don’t exist
415	WRONG_TOKEN	Token is wrong

View Card Info

Method URL

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

Request Parameters

Parameter	Description	Type
merchantID	Merchant account ID	Required
cardId	Provided card id	Required
cardNumberPart	false – returns masked PAN, CVV, exp date true – returns remaining digits of masked PAN	Optional
encKey	SHA-256(merchantID + cardId + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Response code in case of success will be “30”	required
availableBalance	Available card balance	optional
currency	Currency code (e.g USD)	optional
cardHolderName	Cardholder name	optional
cvv	3 digits security code printed on the back of the card	optional
cardNumber	masked PAN	optional
state	Active/null(not active)	optional
expiryDateMonth	2 digits of the month card is valid to	optional
expiryDateYear	4 digits of the year card is valid to	optional

Sample(1):

request:

https://kegow.bancore.com/getit/api/merchant/card/get.do?merchantID=341&cardId=4855676&cardNumberPart=false&encKey=b09fae9c202b38225bb7359df8b50228cfb1d1e72157ae3fa1a4ab913b7e8388

response:

result=30&availableBalance=4569.69¤cy=XOF&cardHolderName=Andre Tan&cvv=123&cardNumber=XXXX3737&state=ACTIVE&expiryDateMonth=9&expiryDateYear=2022

Sample(2):

request:

https://kegow.bancore.com/getit/api/merchant/card/get.do?merchantID=72&cardId=4860380&cardNumberPart=true&encKey=9d8a2430db7cb7358377059f68a5492f0ee574efd9debf940c9e416aa6cf6baa

response:

result=30&availableBalance=null¤cy=null&cardHolderName=null&cvv=null&cardNumber=990099059245XXXX&state=null&expiryDateMonth=null&expiryDateYear=null

Sample(3):

request:

https://kegow.bancore.com/getit/api/merchant/card/get.do?merchantID=76&cardId=4860381&cardNumberPart=&encKey=8ece47d73a2f025ea7023e1c3e28995ea0ff7402216216cf8473aaf552642089

response:

result=30&availableBalance=1560.2¤cy=XOF&cardHolderName=Cora Hay&cvv=672&cardNumber=XXXX6887&state=ACTIVE&expiryDateMonth=2&expiryDateYear=2024

Plastic Card Issuance - Registration Request

Method URL

https://kegow.bancore.com/getit/api/merchant/issuecard/plastic.do

Request Parameters

Parameter	Description	Type
merchantID	Provided merchant account id	Required
customerID	Processor card reference printed on the card	Opt
preferredName	Preferred name of cardholder	Required
IDType	1: Passport, 2:National ID, 3:Driver’s License, 4:Other	Required
IDValue	Value corresponding to the IDType	Required
mobilePhoneNumber	Phone number in international format starting with country code 234xxxxxxxxx	Required
currency	Preferred name of cardholder	Required
preferredName	Currency code (e.g USD)	Required
encKey	Encryption key. SHA-256(merchantID + mobilePhoneNumber + preferredName + currency + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success (30) or fail result code	Required
cardID	The Card ID in Bancore system	Required

Sample(without customerID (Processor card reference printed on the card)):

request:

https://kegow.bancore.com/getit/api/merchant/issuecard/plastic.do?merchantID=76&preferredName=MALIA+TATE&IDType=1&IDValue=ACF569654&mobilePhoneNumber=2348049858671¤cy=XOF&encKey=5b290262830d4759ac5bc328c236a0a1489be9d3112ecaec99da9d7c8e0b318

response:

result=30&cardID=4862208

Sample(with customerID (Processor card reference printed on the card)):

request:

https://kegow.bancore.com/getit/api/merchant/issuecard/plastic.do?merchantID=72&customerID=10444837&preferredName=ANNA+POMODORO&IDType=1&IDValue=ACF569654&mobilePhoneNumber=2348045497112¤cy=XOF&encKey=8d69b2ee0273e03012279d6bfeae60015297b265430dd42234817020e02243f

response:

result=30&cardID=4862206

Plastic Card Pin Code Reset

Method URL

https://kegow.bancore.com/getit/api/merchant/card/changePIN2

Request Parameters

Parameter	Description	Type
merchantID	Provided merchant account id	Required
cardID	The Card ID in Bancore system	Required
pin	New pin code	Required
encKey	Encryption key. SHA-256( merchantID + cardID + pin + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success (30) or fail result code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/card/changePIN2.do?merchantID=72&cardID=4862203&pin=5566&encKey=29c239f4ba56a1aa6ecd2b70f1792248b3591f8a147127e62991f3b700bbad6

response:

result=30

Plastic Card Pin Code Change

Method URL

https://kegow.bancore.com/getit/api/merchant/card/changePIN

Request Parameters

Parameter	Description	Type
merchantID	Provided merchant account id	Required
cardID	The Card ID in Bancore system	Required
encKey	Encryption key. SHA-256( merchantID + cardID + merchantPrivateKey)	Required

Response Parameters

Parameter	Description	Type
result	Success (30) or fail result code	Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/card/changePIN.do?merchantID=72&cardID=4862203&encKey=cecacb7e746dc2ad179b1b9b8fcda93801dd521cca8af529fd44b60ba944350

response:

result=30

POS Webhook documentation

Webhook send by the POS Platform

General

Webhooks allow external services to be notified when an operation is completed.

The URL that receives the Webhook data have to be configured and must use HTTPS.

Data is transmitted in JSON format

Transaction

From your side you need to prepare a URL where requests from Bancore with information on transactions will be sent in JSON format.

Field	Type	Description
requestId	int	Unique identifier for the request. Min Length 1. Max Length 15.
customerId	int	Unique identifier of customer. Min Length 5. Max Length 10.
transactionId	int	Unique identifier of transaction. Min Length 10. Max Length 15.
lastFourDigits	string	Last four digits of the customer account. Min Length 4. Max Length 4.
transactionDate	string	Transaction Date. Formated as dd-MMM-yyyy. Min Length 11. Max Length 11.
transactionTime	string	Transaction Time. Formated as hh:mm (24 hour format). Min Length 5. Max Length 5.
transactionName	string	Transaction name. POS, ATM, Transfer, Received. Min Length 3. Max Length 8.
creditOrDebit	string	C for Credit, D for Debit. Min Length 1. Max Length 1.
currencyCode	string	Three character currency code of the account. Min Length 3. Max Length 3.
baseAmount	number	Amount in the card currency that was authorized or cleared. The sign will be negative for debit, and positive for credit. Min Length 1. Max Length 15.
totalAmount	number	Summation of baseAmount and feeAmount in the card currency that was authorized or cleared. Min Length 1. Max Length 15.
runningBalance	number	The current balance of the account in the currency of the account. Min Length 1. Max Length 15.
fees	number	Fee amount in the card currency that was authorized or cleared. Min Length 1. Max Length 15.
reference	string	Reference information regarding the transaction. Min Length 1. Max Length 150.
firstName	string	Customer First Name. Min Length 1. Max Length 80.
lastName	string	Customer Last Name. Min Length 1. Max Length 50.
merchantCity	string	Merchant City. Min Length 0. Max Length 13.
merchantTerminal	string	Merchant Terminal Id. Min Length 0. Max Length 8.
merchantCountry	string	A two character code identifying the country of the acquiring institution for the merchant or ATM. Min Length 0. Max Length 2
denialReason	string	If a transaction was denied, this contains a brief description of the denial reason. Min Length 1. Max Length 40

{
“requestId”: 11223344556699,
“customerId”: 479045,
“transactionId”: 1234567890,
“lastFourDigits”: “1234”,
“transactionDate”: “01-APR-2021”,
“transactionTime”: “04:51”,
“transactionName”: “POS”,
“creditOrDebit”: “C”,
“currencyCode”: “XOF”,
“baseAmount”: 12,
“fees”: 1,
“reference”: “Here is the reference
information”,
“firstName”: “Larry”,
“lastName”: “Sands”,
“merchantCity”: “New York
City”,
“merchantTerminal”: “DFVC97PR”,
“merchantCountry”: “US”,
“denialReason”: “Velocity
Limit
Exceeded”,
“totalAmount”: 13,
“runningBalance”: 123
}

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

Introduction

P2P Transfer