With this service, the calling apps can get available balance for a given source. 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. It’s also possible that some providers will require extended authorization information (like an OTP), if needed, providers need to prompt for this. Upon the correct details being provided, the provider will respond with account/wallet balance information.

Before you proceed: Please read this.

Commercial model

The 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.

Settlement & fees model

Model	How it works
Invoice	The host client will invoice the calling app periodically for all calls to the endpoint.

Special configuration notes

OTP override: All providers of this service should implement OTP, but support the configuration of otp_override such that based on this configuration, they could be instructed to bypass the OTP requirement for an app.
SMS handler: All providers that need to do OTP validation can use the Send SMS and Send Email services on OnePipe to send their OTP.

Process flows

Sequence of calls

App calls /transact with the right auth details
Provider responds with WaitingForOTP or PendingValidation as may be required
App calls /transact/validate to supply OTP if needed
Provider responds with any of the completion codes Successful or Failed.
To query the status of a transaction, the app can call /transact/query
Where the provider supports it, the app can call /transact/reverse to request a reversal

INTERFACE SPECIFICATION (APP → ONEPIPE)

Request (Transact)

{
  "request_ref":"{{request_ref}}", 
  "request_type":"get_balance",
  "auth": {
    "type": "bank.account | card | wallet | msisdn", 
    "secure": "{{encrypted(bank account number | card details | wallet | msisdn)}}",
    "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",
    	"another_key":"a_meta_value_2"
    },
    "details": null
  }
}

Response (when otp_override = false)

{
    "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)

{
    "status": "Successful",
    "message": "Transaction processed successfully",
    "data": {
        "provider_response_code": "00",
        "provider": "Beeceptor",
        "errors": null,
        "error": null,
        "provider_response": {
            "account_id": "50617644717007",
            "account_type": "Current",
            "account_number": "6200000766",
            "avialable_balance": 2077099,
            "ledger_balance": 2077099,
            "minimum_balance": 0,
            "account_class": "STFCUR",
            "account_status": "ACCOUNT OPEN",
            "currency": "NGN",
            "reference": "000022200225154318222333334432",
            "meta":{
              "field_key":"field_value",
              "field_key":"field_value"
            }
        }
    }
}

Request (validate with otp)

{
  "request_ref":"{{request_ref}}", 
  "request_type":"get_balance",
	"auth": {
        "secure": "{{encrypted_otp}}",
        "auth_provider": "Beeceptor" 
    },
    "transaction": {
        "transaction_ref": "70713093460718"
    }
}

Breakdown of the details object

For this service, the details object will be null

Acceptable values for `auth.type`

Value	Description
card	Takes card details.
bank.account	Takes bank account.
wallet	Takes a wallet ID for debit.

Possible status response codes

For this service, these are the possible responses a client can receive

Status	Meaning
Successful	Standard success code
Failed	Standard failure code
WaitingForOTP	To signify that this provider has requested an OTP from the customer and it should be supplied.
PendingValidation	To signify that this provider needs some extra information to be provided. The `response.message` will contain the prompt.

INTERFACE SPECIFICATION (ONEPIPE → PROVIDER MICRO SERVICE)

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, 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.

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