Pay with Bank Transfer

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Supported Countries

This payment method is only supported for Nigerian Banks.

Pay with Bank transfer (PWBT) creates virtual accounts to help you collect payments via transfers from customers. This method of payment is completed off-app i.e. customer complete the transfers from their bank apps outside your applications.

Use these steps to create a PWBT payment:

1. Create a request with the order reference, payment_option and bank_code. You can query bank_code using the bank list endpoint.
2. Encrypt your request containing the customer's card information. We covered encryption in detail here.
3. Send your request to the pay order endpoint.
4. Display the recipient_account and recipient_name in-app for your customer to complete the transfer.

Sample request (unencrypted)

//unencrypted
{
   "reference": "ORD001",
   "payment_option": "BANK-TRANSFER",
   "bank_transfer": {
       "bank_code": "035"
   }
}

Sample request (encrypted)

//encrypted
{
  "data": "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"
}

Sample response

{
   "data": {
       "card": null,
       "payment_detail": {
           "redirect_url": "7212000163",
           "recipient_account": "7212000163",
           "recipient_name": "AlliancePayDemo",
           "payment_reference": "CP751316F5-D37B-485C-9AF8-1883D22D4CD4"
       },
       "bank_transfer_details": null,
       "order_payment": {
           "order_id": 463,
           "order_payment_reference": "PA-REF-A2390C4C-258C-4A53-8C95-06696D33E016",
           "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": 35.20
       }
   },
   "status": "success",
   "message": "Bank transfer order created successfully"
}