Overview
With this service, the calling apps can do a transfer to a destination account number from a preconfigured pre-configured account of the app. 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. This is a service that is useful for when a business wants to debit their own account and credit any destination account.
| Info |
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Before you proceed: Please read this. |
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The provider should have it's own way of debiting the preconfigured pre-configured account (which will be passed either in beneficiary info or extras) then execute the transfer. Provider needs to send a share of income to the settlement account at the host; which will then be shared with OnePipe, host and ISO. Parties that share the fees are:
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OnePipe
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Host client
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Settlement & fees model
Model | How it works |
|---|---|
Amount or Commission | Provider sends a share of income to the settlement account at the host; which will then be shared with OnePipe, host and ISO. |
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For details on encryption using the Triple DES Algorithm, read this. |
Request (Transact)
| Code Block | ||
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{
"request_ref":"{{request_ref}}",
"request_type":"disburse",
"auth": {
"type": null"bank.account",
"secure": null"{{encrypted}}",
"auth_provider": "BeeceptorGTBank",
"route_mode": null
},
"transaction": {
"mock_mode": "live",
"transaction_ref": "{{transaction_ref}}",
"transaction_desc": "A random transaction",
"transaction_ref_parent": null,
"amount": 1000,
"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": {
"destination_account":"2363262632",
"destination_bank_code":"011",
"otp_override": true
}
}
} |
Response (when otp_override = false)
| Code Block | ||
|---|---|---|
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{
"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 | ||
|---|---|---|
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{
"status": "Successful",
"message": "Transaction processed successfully",
"data": {
"provider_response_code": "00",
"provider": "Beeceptor",
"errors": null,
"error": null,
"provider_response": {
"reference": "000022200225154318222333334432",
"payment_id": "136FTTP200590171",
"destination_institution_code": "000016",
"beneficiary_account_name": "JOHN DOE JAMES",
"beneficiary_account_number": "3056433222",
"beneficiary_kyc_level": "3",
"originator_account_name": "James Jane",
"originator_account_number": "0001131256",
"originator_kyc_level": "1",
"narration": "My narration",
"transaction_final_amount": 1000,
"meta":{}
}
}
} |
Request (validate with otp)
| Code Block | ||
|---|---|---|
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{
"request_ref":"{{request_ref}}",
"request_type":"transfer_funds",
"auth": {
"secure": "{{encrypted_otp}}",
"auth_provider": "Beeceptor"
},
"transaction": {
"transaction_ref": "70713093460718"
}
} |
Request Payload Description
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Field
...
Type
...
Requirement
...
Description
...
request_ref
...
string
...
compulsory
...
Takes unique value for every request made to OnePipe
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request_type
...
string
...
...
This should be set to the service disburse
...
auth.type
...
string
...
N/A
...
This can be set to null
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auth.secure
...
string
...
N/A
...
This can be set to null
...
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.
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transaction.transaction_desc
...
string
...
optional
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Description of your transaction
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transaction.transaction_ref_parent
...
string
...
optional
...
Takes value of a (parent) transaction reference
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transaction.customer.customer_ref
...
string
...
compulsory
...
Identifier for customer
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transaction.customer.firstname
...
string
...
optional
...
First name of customer
...
transaction.customer.surname
...
string
...
optional
...
Surname of customer
...
transaction.customer.email
...
string
...
optional
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Email address of customer
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transaction.customer.mobile_no
...
string
...
optional
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Phone number of customer
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transaction.amount
...
big int
...
compulsory
...
This is the amount (kobo) to be transferred
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transaction.transaction_ref
...
string
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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
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object
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compulsory
...
Holds defined fields peculiar to this service
Breakdown of the details object
For this service, the details object will have the following:
Field | Type | Requirement | Description |
|---|---|---|---|
destination_account_number | string | compulsory | Destination account to send funds to |
destination_bank_code | string | compulsory | Destination institution code |
otp_override | boolean | optional | Defaults to |
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 | ||
|---|---|---|
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{
"request_ref": "{{request_ref}}",
"request_mode": "transact",
"request_type": "disburse",
"auth": {
"type": null,
"secure": null,
"auth_provider": "Beeceptor"
},
"transaction": {
"mock_mode": "live",
"transaction_ref": "{{transaction_ref}}",
"transaction_desc": "A random transaction",
"transaction_ref_parent": null,
"amount": 1000,
"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": {
"destination_account": "2363262632",
"destination_bank_code": "011",
"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": {
"source_account_number": "2233232345"
}
}
}
} |
Response (when otp_override = false)
Set provider_response_code to 900T0
| Code Block | ||
|---|---|---|
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{
"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 |
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{
"status": "Successful",
"message": "Operation was successful",
"data": {
"provider_responde_code":"00",
"provider": "Beeceptor",
"errors": null,
"error": null,
"provider_response": {
"reference": "000022200225154318222333334432",
"payment_id": "136FTTP200590171",
"destination_institution_code": "000016",
"beneficiary_account_name": "JOHN DOE JAMES",
"beneficiary_account_number": "3056433222",
"beneficiary_kyc_level": "3",
"originator_account_name": "James Jane",
"originator_account_number": "0001131256",
"originator_kyc_level": "1",
"narration": "My narration",
"transaction_final_amount": 1000
}
}
} |
Failed Response
| Code Block |
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{
"status": "Failed",
"message": "Operation was not successful",
"data": {
"provider_responde_code":"91",
"provider": "Beeceptor",
"errors": [
{
"code" : "01",
"message : "Reason why it failed"
}
],
"error": {
"code" : "01",
"message : "Reason why it failed"
},
"provider_response": {
"response_code": "91",
"response_message":"Failed"
}
}
} |
Request (validate with otp)
| Code Block | ||
|---|---|---|
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{
"request_mode":"validate",
"request_ref":"{{request_ref}}",
"request_type":"disburse",
"auth": {
"type": null,
"secure": "{{otp}}",
"auth_provider": "Beeceptor"
},
"transaction": {
"mock_mode": null,
"transaction_ref": "{{transaction_ref}}",
"transaction_desc": null,
"transaction_ref_parent": null,
"amount": 1000,
"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 source of fund, 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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