With this service, the calling apps can KYC a customer's bank verification number. This service will only return a True/False match of the supplied customer details if it matches what is saved against their BVN correctly. If authorization details are required by a provider, apps will have to provide this. OnePipe will in turn forward to the provider’s dedicated implementation.

This services basically just determines if the details passed for a BVN match what is on record for that BVN.

Before you proceed: Please read this.

Commercial model

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.

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 handling: All providers that need to execute OTP validation can use the Send SMS and Send Email services on OnePipe to send their OTP.

Settlement & fees model

Model	How it works

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

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)

For details on encryption using the Triple DES Algorithm, read this.

Request (Transact)

{
  "request_ref":"{{request_ref}}", 
  "request_type":"lookup_bvn_min",
  "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",
    	"b_key":"a_meta_value_2"
    },
    "details": {
    	"dob": "1990-09-12"
    }
  }
}

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": {
            "bvn": "22333055555",
            "first_name": true,
            "last_name": true,
            "dob": true,            
            "reference": "98776665556665",
            "meta":{}
        }
    }
}

Request (validate with otp)

Breakdown of the details object

For this service, the details object will have the following:

Field	Type	Requirement	Description

Field	Type	Requirement	Description
dob	date	optional	The date of birth to match in `yyyy-MM-dd`

Possible status response codes

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

Status	Meaning

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 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.

Public wiki

Lookup BVN Min