With this service, the calling apps can issue a card on behalf of a customer. At a minimum, apps will need to collect customer details and forward to OnePipe. OnePipe will in turn forward to the provider’s dedicated implementation. This service may use OTP to confirm the card issuance request from the customer.

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 handler: All providers that need to do 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.

Process flows

Sequence of calls

App calls /transact with the right auth details (if supplied)
Provider responds with WaitingForOTP or PendingValidation (if 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": "issue_card",
    "auth": {
        "type": null,
        "secure": null,
        "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": {
            "name_on_card": "Opeyemi Olaniroko Adamu",
            "address_line_1": "23 Ebinpejo Lane",
            "address_line_2": "Idumota",
            "address_city": "Lagos",
            "address_state": "Lagos",
            "address_postal_code": "12301",
            "address_country_code": "NG",
            "card_currency_code": "NGN",
            "card_default_pin": "1234"
        }
    }
}

Response (when otp_override = false)

{
    "status": "PendingValidation",
    "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": {
            "card_no_masked": "506100xxxxxx4998",
            "card_sequence_no": "001",
            "card_brand": "Mastercard",
            "card_scheme_code": "001",
            "card_scheme_name": "Osun Students Card",
            "name_on_card": "Opeyemi O. Adamu",
            "address_line_1": "23 Ebinpejo Lane",
            "address_line_2": "Idumota",
            "address_city": "Lagos",
            "address_state": "Lagos",
            "address_postal_code": "23401",
            "address_country_code": "NGN",
            "card_currency_code": "566",
            "issuer_cbn_code": "43",
            "otp_setup_response": "9000",
            "secure": "TripleDES.encrypt("{card.Pan};{card.Cvv};{card.Expdate};{card.Pin}",secretKey)",
            "reference": "000022200225154318222333334432",
            "meta":{
              "field_key":"field_value",
              "field_key":"field_value"
            }
        }
    }
}

Request (validate with otp)

Acceptable values for `auth.type`

Type	Description

Type	Description
null	Only null is accepted. Therefore, no `secure` as well.

Breakdown of the details object

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

Field	Type	Requirement	Description

Field	Type	Requirement	Description
name_on_card	string	compulsory	The name that should be on the card.
address_line_1	string	compulsory	Address of customer
address_line_2	string	compulsory	Address of customer
address_city	string	compulsory	City
address_state	string	compulsory	State
address_postal_code	string	compulsory	Postal code
address_country_code	string	compulsory	Country code
card_currency_code	string	compulsory	The currency required on the card. E.g. NGN
card_default_pin	string	compulsory	The default PIN the card should be issued with. This would need to be changed before the card is active.

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)

Request payload from OnePipe to the provider microservice comes encrypted, using the Triple DES Algorithm. See details.

Read this closely.

Public wiki

Issue Card

Commercial model

Special configuration notes

Settlement & fees model

Process flows

INTERFACE SPECIFICATION (APP → ONEPIPE)

Request (Transact)

Response (when otp_override = false)

Response (when otp_override = true)

Request (validate with otp)

Acceptable values for `auth.type`

Breakdown of the details object

Possible status response codes

INTERFACE SPECIFICATION (ONEPIPE → PROVIDER MICRO SERVICE)

Commercial model

Special configuration notes

Settlement & fees model

Process flows

INTERFACE SPECIFICATION (APP → ONEPIPE)

Request (Transact)

Response (when otp_override = false)

Response (when otp_override = true)

Request (validate with otp)

Acceptable values for auth.type

Breakdown of the details object

Possible status response codes

INTERFACE SPECIFICATION (ONEPIPE → PROVIDER MICRO SERVICE)

Acceptable values for `auth.type`