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Settlement & fees model

Model

How it works

Invoice

OnePipe (via Polaris client) will invoice the calling app periodically for all calls to the endpoint. At settlement, Polaris will debit aggregated fee from the app’s client bank account, credit the settlement account.

The OnePipe-Polaris agreed fee will then be debited from the settlement account and split to relevant parties.

Process flows

Sequence of calls

  1. App of JS calls /transact with the right auth details

  2. Provider responds with WaitingForOTP if not overridden

  3. App calls /transact/validate to supply OTP

  4. Provider responds with any of the completion codes Successful or Failed.

  5. To query the status of a transaction, the app can call /transact/query

  6. Where the provider supports it, the app can call /transact/reverse to request a reversal

Special notes

This same flow works for Lookup BVN Min and Lookup BVN Max

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