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info@bancore.com
Number #1
In African Payments
Industry Standard
PCI Level 1
Trusted By
Top 10 remittance companies
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Value added services

  • Well documented APIs to offer consumer product
  • Supports products like:
  •           Insurance (Auto, health, life);
  •           Airtime;
  •           Fashion;
  •           Bill payment;
  •           Travel

Get Mobile Operators List

Method URL

https://kegow.bancore.com/getit/api/mobile/airtime/operators.do

Request Parameters

Parameter

Description

Type

merchantID

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

Response Parameters

Parameter

Description

Type

Parameter

Description

Type

result

Success or fail result code

Required

errorMessage

Error description

Optional

operators

List of mobile phone operators is returned e.g. (MTN-MTN; ETST-9Mobile; AIRT-AirTel; GLO-GLO; VISAF-Visafone Nigeria; MLINK-MultiLinks; MTNHYNET-MTN Hynet; MTNBBSERV-MTN Blackberry; MTNDSERV-MTN Data; MTNPOSP-MTN Postpaid; ETSTDATA-9Mobile Data; AIRTDATA-Airtel Data; GLODATA-Globacom Data; LCC-LCC Toll)

Optional

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

100

GENERAL_ERROR

Unknown error. Please try again later

Airtime Purchase

Purchase airtime recharge for user phone number. Funds will be loaded to the user’s phone account. Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

Parameter

Description

Type

merchantID

Merchant account ID of the client

required

operator

Mobile phone operator name (MTN-MTN;ETST-Etisalat;VISAF-VISAF;AIRT-AirTel;MLINK-MLINK;GLO-GLO)

required for Nigerian numbers

optional for international numbers

destinationNumber

Mobile phone number of recipient of airtime in international format (234xxxxxxxxxx)

required

amount

Amount in smallest monetary unit for Nigerian numbers (10*100 = 1000)

Amount whole number for international numbers (10)

required

currency

For Nigerian numbers: Currency code (e.g NGN)

For international numbers: Currency code (e.g XOF) of the destination phone number

required

orderId

Unique identifier of the transaction

required

encKey

For Nigerian numbers: SHA-256(merchantID + destinationNumber + amount + orderID +operator+merchantPrivateKey)

For international numbers: SHA-256(merchantID + destinationNumber + amount + orderID +merchantPrivateKey)

required

Response Parameters

Parameter

Description

Type

Parameter

Description

Type

result

Response  code  in  case  of  successful  transaction  will be

APPROVED = “30”

required

errorMessage

Description of error returned

optional

transactionId

Transaction ID of the operation

optional

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/merchantairtime.do?merchantID=72&operator=ETST&destinationNumber=2347062206892&amount=1500&orderId=1569319479476¤cy=NGN&encKey=f1646bc7fcf7df3a268ccd3ff931491c2fda4f313a1121fd3d9f658026eaeea4

response:

result=30&transactionId=2593

request:

https://kegow.bancore.com/getit/api/merchant/merchantairtime.do?merchantID=76&destinationNumber=380951780154&amount=10&orderId=158815480096266241¤cy=UAH&encKey=dc783acf44b455a68baf30d622a71c22178c9f80683debbd1dd9fa7eeacaf4d9

response:

result=30&transactionId=67309

Payment with Voucher

This method is used to process Payment with Voucher. Use the Method URL below.

Method URL

https://kegow.bancore.com/getit/api/vouchercardpurchase.do

Request Parameters

Parameter

Description

Type

account_id

Unique identifier of merchant account in the system

Required

cardnumber

19 digits voucher number

Required

currency

Currency code (e.g NGN)

Required

amount

Amount in smallest monetary unit

Required

order_id

Customer unique identifier of the transaction

Optional

encKey

Encryption key. SHA-256(account_id+ cardnumber+ amount+ currency+ private_key)

Required

Response Parameters

Parameter

Description

Type

result

Success or fail result code

Required

transact

Transaction id

Optional

checkSUM

Encryption key. SHA-256(result + transact+merchantPrivateKey)

Optional

Sample:

request:

https://kegow.bancore.com/getit/api/vouchercardpurchase.do?account_id=72&cardnumber=6395536056449808776¤cy=XOF&amount=5000&order_id=1585578673735&enckey=c8d6f4bfe52782ed57a16f112cec0386f0a4aa22976d0d8d2dec64158a9777

response:

result=30&transact=64496&checksum=AC65C97B308636A067F7DB769A5C8D87B002F888151DC365562AA910E3786452

Cardless ATM Withdrawal

Method URL

https://kegow.bancore.com/getit/api/mobile/atm/withdraw.do

Request Parameters

Parameter

Description

Type

merchant_id

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

phone

Recipient’s phone number

Required

amount

Amount in smallest monetary units 

Required

currency

Currency of the operation

Required

sourceCard

Id of the source card

Required

orderID

Unique identifier of the operation

Required

encKey

Encryption key SHA-256(merchant_id+ phone+ amount+ currency+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

code

Withdrawal code

Required

pin

Pin code to confirm the withdrawal

Required

error

Error code

Required

checkSum

Checksum

Optional

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

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 

90

INVALID_ORDERID

OrderID must be unique

95

INVALID_MERCHANT_ACCOUNT

Invalid merchant, merchant don’t exist

98

TRANSFER_LIMIT

Transfer limit

100

GENERAL_ERROR

Unknown error. Please try again later

102

BLOCKED_MOBILE_NUMBER

  Mobile number is blocked

116

KYC_PAYMENT_LIMIT

Payment limit is exceeded for KYC level

302

POSSIBLE_FRAUD

Suspicious Activity

415

WRONG_TOKEN

Token value is wrong

Send SMS

This method is used for SMS send out. Use the Method URL below.

Method URL

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

Request Parameters

Parameter

Description

Type

phone

Recipient phone number

Required

merchantID

Provided merchant account id

Required

text

Text of the SMS

Required

from

Sender name

Required

encKey

Encryption key. SHA-256(merchantID + phone + text + merchantPrivateKey) 

Required

Response Parameters

Parameter

Description

Type

result

Success or fail result code

Required

Sample:

request:

https://kegow.bancore.com/getit/api/merchant/sms.do?merchantID=72&phone=96170909700&text=test+txt&from=Monnyme&encKey=3e5266857d2faa97a228de1e94ffe1845925302b2158f5792fa226af85ef04

response:

result=30

Bill Payment. Get Category.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/getCategories.do

Request Parameters

Parameter

Description

Type

merchant_id

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

encKey

Encryption key SHA-256(merchant_id+ access_token+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

categories

json with list of categories will be returned

Required

Bill Payment. Get Billers.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/getBillers.do

Request Parameters

Parameter

Description

Type

merchant_id

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

category_id

ID of the category selected by user in the first step of Bill Payment process

Required

encKey

Encryption key SHA-256(merchant_id+ access_token+ category_id+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

billers

json with list of billers for specified category will be returned

Required

Bill Payment. Get Product.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/getProducts.do

Request Parameters

Parameter

Description

Type

merchant_id

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

biller_id

ID of the biller selected by user in the second step of Bill Payment process

Required

encKey

Encryption key SHA-256(merchant_id+ access_token+ category_id+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

products

json with list of products for specified biller will be returned

Required

Bill Payment. Pay Bill.

Method URL

https://kegow.bancore.com/getit/api/mobile/quickteller/pay.do

Request Parameters

Parameter

Description

Type

merchant_id

Merchant account id. Provided by Bancore.

Required

access_token

Unique token generated

Required

product_id

Payment code returned under getProducts.do for the product that
you need

Required

customer_id

Customer details for the selected product

Required

card_id

ID of the card to be used for payment

Required

amount

Amount to be paid in smallest monetary units

Required

currency

Currency

Required

encKey

Encryption key SHA-256(merchant_id+ access_token+amount+ customer_id+card_id+ merchantPrivateKey)

Required

Response Parameters

Parameter

Description

Type

result

Success or failure result code

Required

responseCode

Response code from the Bill Payment provider

Required

transactionId

Unique identifier of the transaction

Required

transactionDate

Date of the transaction

Required

Possible 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

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 

61

CARD_BLOCKED

Card blocked

90

INVALID_ORDERID

OrderID must be unique

95

INVALID_MERCHANT_ACCOUNT

Invalid merchant, merchant don’t exist

100

GENERAL_ERROR

Unknown error. Please try again later

101

MOBILE_NUMBER_ERROR 

Mobile number is wrong

102

BLOCKED_MOBILE_NUMBER

Mobile number is blocked

103

PIN_ERROR

PIN code is wrong

113

CARDID_TOKEN_WRONG

Card id differs from account represented by token

116

KYC_PAYMENT_LIMIT

Payment limit is exceeded for KYC level

150

VIRTUALCARD_LIMIT_EXCEEDED

Virtual cards limit is excceeded

151

PLASTICCARD_LIMIT_EXCEEDED

Plastic cards limit is excceeded

200

USER_IP_TRIES_EXCEEDED

Customer has exceeded failed attempts and has been blocked

202

UNEXPECTED_MERCHANT_IP

Merchant IP is unknown

203

DEACTIVE_MERCHANT_ACCOUNT

The merchant account is not active

300

FEE_NOT_FOUND

Fee value not available

400

APPLICATION_UPDATE

The application is not available

415

WRONG_TOKEN

Token value is wrong

420

BANK_TRANSFER_FAILED

Transfer to bank failed