With this service, the calling apps can KYC a customer's account number or other authorization details like cards or wallets. This service will only return minimal KYC information. Apps will collect the account number they will like to obtain information on and forward it to OnePipe. 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.

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.

Settlement & fees model

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
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_account_min",
  "auth": {
    "type": "bank.account | card", 
    "secure": "{{encrypted_secure}}",
    "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": null
  }
}

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": {
            "customer_id": "007935125",
            "account_name": "BOLA SALAMI",
            "account_number": "1780161243",
            "last_name": "SALAMI",
            "first_name": "BOLA",
            "middle_name": "-",
            "gender": "Female",
            "account_currency": "NGN",
            "dob": "yyyy-MM-dd-HH-mm-ss"
        }
    }
}

Request (validate with otp)

{
  "request_ref":"{{request_ref}}", 
  "request_type":"lookup_account_min",
	"auth": {
        "secure": "{{encrypted_otp}}",
        "auth_provider": "Beeceptor" 
    },
    "transaction": {
        "transaction_ref": "70713093460718"
    }
}

Breakdown of the details object

For this service, the details object will be null.

Possible values for auth.type

card
bank.account
wallet

Possible status response codes

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

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, then respond with WaitingForOTP or PendingValidation. On the OTP validation leg, if user OTP is valid, the provider should retrieve info from the database, then respond with a Successful response.
NB: Data should be erased from the DB upon response.

Dependencies

This service may use the send_otp and validate_otp services behind the scenes to handle the OTP authentication process. Alternatively, it may use the send_sms or send_email services. These services should be invoked by the provider using the API key of the calling app. As such, these services need to be enabled for the calling app as well, otherwise this request would fail.

Lookup Account Min