Settlement & fees model
Model | How it works |
|---|---|
Amount | The provider removes a percentage or flat fee from the amount as fee and settles the difference to the app owner (via the client). |
Commission | The provider surcharges the payer with an extra fee and pays a share of that surcharge to the app owner, OnePipe and Client |
Invoice | The client will invoice the calling app periodically for all calls to the endpoint. |
Process flows
Sequence of calls
App calls
/transactwith the right auth detailsProvider responds with
WaitingForOTPorPendingValidationas may be requiredApp calls
/transact/validateto supply OTP if neededProvider responds with any of the completion codes
SuccessfulorFailed.To query the status of a transaction, the app can call
/transact/queryWhere the provider supports it, the app can call
/transact/reverseto request a reversalTo receive available options for this service, apps can call
/transact/options.
Acceptable values for auth.type
Type | Description |
|---|---|
card | Takes card details for debit. |
bank.account | Takes bank account details for debit. |
cash | Will simply flag the transaction, as awaiting |
custom | Takes a unique transaction ref. This mode is for when OnePipe.js or some other UI processes the payment and passes in a ref for validation of the payment. |
voucher | Takes a voucher code for debit. |
airtime | Takes MSISDN and debits the airtime on it. |
wallet | Takes a wallet ID for debit. |
bank.transfer | Simply instructs the provider to generate bank transfer instructions. |
Possible response codes
For this service, these are the possible responses a client can receive
Response code | 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 |
Special notes
This should be seen as a standard payments service. All providers are required to execute settlement per agreed contracts to the account designated by the client bank.
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