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:
- Create a request with the order
reference
andpayment_option
- Encrypt your request containing the reference. We covered encryption in detail here.
- Send your request to the pay order endpoint.
- 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"
}
Updated 7 days ago
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