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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

  1. App calls /transact with the right auth details

  2. Provider responds with WaitingForOTP or PendingValidation as may be required

  3. App calls /transact/validate to supply OTP if needed

  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

  7. To 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 transaction_notification

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 response.message will contain the prompt.

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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