Overview
With this service, the calling apps can do KYC with the customer's bvn. This service will return slightly above minimal KYC information. Apps will forward collect the account number BVN they will like to obtain information on and forward to OnePipe. If authorisation details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation.
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At agreed settlement cycles, the host will debit the configured beneficiary account of the app for the use of this API and share that fee with all participants. Fees will be determined by the provider. Parties that share the fees are:
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Host client
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Provider
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ISO
Special configuration notes
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Model | How it works |
|---|---|
Invoice | The host client will invoice the calling app periodically for all calls to the endpoint. |
Acceptable values for auth.type
bvn
Process flows
Sequence of calls
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| Gliffy | ||||||||||||||||
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| Info |
|---|
For details on encryption using the Triple DES Algorithm, read this. |
Request (Transact)
| Code Block | ||
|---|---|---|
| ||
{
"request_ref":"{{request_ref}}",
"request_type":"lookup_bvn_mid",
"auth": {
"type": "bvn",
"secure": "{{encrypted_bvn}}",
"auth_provider": "Beeceptor",
"route_mode":" null"
},
"transaction": {
"mock_mode": "live",
"transaction_ref": "{{transaction_ref}}",
"transaction_desc": "A random transaction",
"transaction_ref_parent": null,
"amount": 0,
"customer":{
"customer_ref": "{{customer_id}}",
"firstname": "Uju",
"surname": "Usmanu",
"email": "ujuusmanu@gmail.com",
"mobile_no": "234802343132"
},
"meta":{
"a_key":"a_meta_value_1",
"anotherb_key":"a_meta_value_2"
},
"details": {null
"otp_override": true
}
}
} |
Response (when otp_override = false)
| Code Block | ||
|---|---|---|
| ||
{
"status": "WaitingForOTP",
"message": "Please enter the OTP sent to 2348022****08",
"data": {
"provider_response_code": "900T0",
"provider": "Beeceptor",
"errors": null,
"error": null,
"provider_response": null
}
} |
Response (when otp_override = true)
| Code Block | ||
|---|---|---|
| ||
{
"status": "Successful",
"message": "Transaction processed successfully",
"data": {
"provider_response_code": "00",
"provider": "Beeceptor",
"errors": null,
"error": null,
"provider_response": {
"bvnreference": "2233305555598776665556665",
"first_namebvn": "John22333055555",
"middlefirst_name": "JaneJohn",
"lastmiddle_name": "DoeJane",
"datelast_of_birthname": "09-Dec-1990Doe",
"phone_number_1dob": "070376086481990-12-22",
"phone_number_2number1": "07037608648",
"registrationphone_datenumber2": "12-Sep-2015",
"enrollmentregistration_bankdate": "011",
"enrollment_branch": "MATORI"1990-12-22",
"email": "john.doe@gmail.com",
"gender": "Male",
"level_of_account": "Level 2 - Medium Level Accounts",
"lga_of_origin": "Owerri West",
"lga_of_residence": "Ikeja",
"marital_status": "Single",
"nationality": "Nigeria",
"residential_address": "34, Banjo Street, Ikeja, Lagos"meta":{}
}
}
} |
Request (validate with otp)
| Code Block | ||
|---|---|---|
| ||
{
"request_ref":"{{request_ref}}",
"request_type":"lookup_bvn_minmid",
"auth": {
"secure": "{{encrypted_otp}}",
"auth_provider": "Beeceptor"
},
"transaction": {
"transaction_ref": "70713093460718"
}
} |
Request Payload Description
...
Field
...
Type
...
Requirement
...
Description
...
request_ref
...
string
...
compulsory
...
Takes unique value for every request made to OnePipe
...
request_type
...
string
...
compulsory
...
This should be set to the service lookup_bvn_mid
...
auth.type
...
string
...
compulsory
...
This should be set to bvn
...
auth.secure
...
string
...
compulsory
...
This should be set to the encrypted bvn.
...
auth.provider
...
string
...
compulsory
...
This should be set to the name of the Provider
...
auth.route_mode
...
string
...
N/A
...
This can be set to null
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transaction.mock_mode
...
string
...
optional
...
This can be set to either live or inspect. If left as null, value will fall back to the state of the service set on the console.
...
transaction.transaction_desc
...
string
...
optional
...
Description of your transaction
...
transaction.transaction_ref_parent
...
string
...
optional
...
Takes value of a (parent) transaction reference
...
transaction.customer.customer_ref
...
string
...
compulsory
...
Identifier for customer
...
transaction.customer.firstname
...
string
...
optional
...
First name of customer
...
transaction.customer.surname
...
string
...
optional
...
Surname of customer
...
transaction.customer.email
...
string
...
optional
...
Email address of customer
...
transaction.customer.mobile_no
...
string
...
optional
...
Phone number of customer
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transaction.amount
...
big int
...
compulsory
...
Set this to 0
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transaction.transaction_ref
...
string
...
compulsory
...
Takes unique value for every transaction call to OnePipe.
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transaction.meta
...
object
...
optional
...
Json object of your arbitrary transaction parameters
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transaction.details
...
object
...
compulsory
...
Breakdown of the details object
For this service, the details object will have the following:
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Field
...
Type
...
Requirement
...
Description
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otp_override
...
boolean
...
optional
...
be null
Possible status response codes
For this service, these are the possible responses a client can receive
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INTERFACE SPECIFICATION (ONEPIPE → PROVIDER MICRO SERVICE)
| Info |
|---|
Request payload from OnePipe to the provider microservice comes encrypted, using the Triple DES Algorithm. See details. |
Request (Transact)
| Code Block | ||
|---|---|---|
| ||
{
"request_mode":"transact",
"request_ref":"{{request_ref}}",
"request_type":"lookup_bvn_mid",
"auth": {
"type": "bvn",
"secure": "{{decrypted_bvn}}",
"auth_provider": "Beeceptor"
},
"transaction": {
"mock_mode": "live",
"transaction_ref": "{{transaction_ref}}",
"transaction_desc": "A random transaction",
"transaction_ref_parent": null,
"amount": 0,
"customer":{
"customer_ref": "{{customer_id}}",
"firstname": "Uju",
"surname": "Usmanu",
"email": "ujuusmanu@gmail.com",
"mobile_no": "234802343132"
},
"meta":{
"a_key":"a_meta_value_1",
"another_key":"a_meta_value_2"
},
"details": {
"otp_override": true
},
"client_info": {
"name": "TrustPay",
"id": null,
"bank_cbn_code": null,
"bank_name": null,
"console_url": null,
"js_background_image": null,
"css_url": null,
"logo_url": "https://trustpay.onepipe.io/img/trustpay_logo_console.png",
"footer_text": "Brought to you by <strong>SunTrust Bank</strong>",
"options": [
"BANK.TRANSFER",
"CARD"
],
"primary_color": "#b37038",
"secondary_color": "#b37038",
"primary_button_color": "#b37038",
"modal_background_color": "linear-gradient(147.44deg, #d8903c 26.99%, #e69921 74.1%)",
"payment_option_color": "rgba(76, 61, 47, 0.08)",
"payment_option_active_color": "rgba(31, 31, 31, 0.25)",
"app_color": "#b37038"
},
"app_info": {
"name": "Victor Motors",
"id": "5cdab3332b7d4100015f0db4",
"beneficiary_account_no": "0001137069",
"extras": {/*this will contain an array of provider override settings*/}
}
}
} |
Response (when otp_override = false)
Set provider_response_code to 900T0
| Code Block | ||
|---|---|---|
| ||
{
"status": "WaitingForOTP",
"message": "Please enter the OTP sent to 2348022****08",
"data": {
"provider_response_code": "10",
"provider": "Beeceptor",
"errors": null,
"error": null,
"provider_response": null
}
} |
Response (when otp_override = true)
| Code Block |
|---|
{
"status": "Successful",
"message": "Operation was successful",
"data": {
"provider_responde_code":"00",
"provider": "Polaris",
"errors": null,
"error": null,
"provider_response": {
"bvn": "22333055555",
"first_name": "John",
"middle_name": "Jane",
"last_name": "Doe",
"date_of_birth": "09-Dec-1990",
"phone_number_1": "07037608648",
"phone_number_2": "",
"registration_date": "12-Sep-2015",
"enrollment_bank": "011",
"enrollment_branch": "MATORI",
"email": "john.doe@gmail.com",
"gender": "Male",
"level_of_account": "Level 2 - Medium Level Accounts",
"lga_of_origin": "Owerri West",
"lga_of_residence": "Ikeja",
"marital_status": "Single",
"nationality": "Nigeria",
"residential_address": "34, Banjo Street, Ikeja, Lagos"
}
}
} |
Request (validate with otp)
| Code Block | ||
|---|---|---|
| ||
{
"request_mode":"validate",
"request_ref":"{{request_ref}}",
"request_type":"lookup_bvn_mid",
"auth": {
"type": null,
"secure": "{{otp}}",
"auth_provider": "Beeceptor"
},
"transaction": {
"mock_mode": null,
"transaction_ref": "{{transaction_ref}}",
"transaction_desc": null,
"transaction_ref_parent": null,
"amount": 0,
"customer":null,
"meta":null,
"details": null
}
} |
Read this closely.
Special notes for OTP override
Whenever a request is to be validated by OTP, the provider microservice should first call the provider, store response info in the database, send an OTP to the phone number attached to the BVN, then respond with WaitingForOTP.
On the OTP validation phase, if user OTP is valid, provider should retrieve info from the database, then respond with a Successful response.
NB: Data should be erased from the DB.
Special notes for providers
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