NQR Payments

NIBSS QR (NQR) payments are secure QR-code based payments. These payments wrap transaction details and connect seamlessly with customer's banking apps.

Like PWBT payments, NQR payments are also completed off-app.

To collect an NQR payment, follow these steps:

  1. Create a request with the order reference and payment_option
  2. Encrypt your request containing the reference. We covered encryption in detail here.
  3. Send your request to the pay order endpoint.
  4. Display the QR image returned as redirect_url in-app for your customer to complete the payment.

Use these samples to guide your NQR payment implementation:

//unencrypted
{
   "reference": "ORD001",
   "paymentoption": "NQR"
}

//encrypted
{
  "data": "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"
}
{
   "data": {
       "card": null,
       "payment_detail": {
           "redirect_url": "https://s3-eu-west-1.amazonaws.com/generated-qr-images/QRimages/%2F20240108000000000000000000000052.png?response-content-type=image%2Fpng&X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Date=20240108T175234Z&X-Amz-SignedHeaders=host&X-Amz-Expires=1800&X-Amz-Credential=AKIA2TFKVVQINHYJZUBS%2F20240108%2Feu-west-1%2Fs3%2Faws4_request&X-Amz-Signature=9d88ff91743cfa60a1ee3f4f4c21e118be6ce5bb85612d4a79852c6c99892d42",
           "recipient_account": "https://s3-eu-west-1.amazonaws.com/generated-qr-images/QRimages/%2F20240108000000000000000000000052.png?response-content-type=image%2Fpng&X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Date=20240108T175234Z&X-Amz-SignedHeaders=host&X-Amz-Expires=1800&X-Amz-Credential=AKIA2TFKVVQINHYJZUBS%2F20240108%2Feu-west-1%2Fs3%2Faws4_request&X-Amz-Signature=9d88ff91743cfa60a1ee3f4f4c21e118be6ce5bb85612d4a79852c6c99892d42",
           "recipient_name": null,
           "payment_reference": "CP6564F2BB-EF28-4B84-A020-AEACFED807A0"
       },
       "bank_transfer_details": null,
       "order_payment": {
           "order_id": 463,
           "order_payment_reference": "PA-REF-0156A4A2-60B9-4813-BCD9-34F53A2BCABF",
           "currency": "NGN",
           "status_id": 1,
           "order_payment_response_code": "01",
           "order_payment_response_message": "pending-authenticaion",
           "order_payment_instrument": null,
           "remarks": "Order payment initiated",
           "total_amount": 250.00,
           "fee": 34.37
       }
   },
   "status": "success",
   "message": "Bank transfer order created successfully"
}


What’s Next