Accept payments directly from your customers local bank account through a direct bank debit payment channel.
To initiate a direct bank debit payment, make a request to the account payments service with the payments/initiates
endpoint.
When the request is made you are expected to get a pending response.
The response from banks differ, some banks will return with a redirect url while others will not.
When a redirect url is returned, you are expected to redirect to the link supplied which will take the customer to the bank page. On this page, customer is expected to enter the OTP sent to their registered phone number or email with the bank. After the OTP is submitted, SeerBit redirects back to the redirect url supplied by the merchant.
When the redirect url is not returned, the transaction would be awaiting validation.
To validate the transaction the customer gets an OTP( one time password) via the registered number with the bank or via email.
​Verify the payment​
curl -X POSThttps://seerbitapi.com/api/v2/payments/initiates-H 'Content-Type: application/json'-H 'Authorization: Bearer {token}
{"publicKey":"merchantPublicKey","amount":"2000.00","fee":"10","fullName":"John Doe","mobileNumber":"08037456590","currency":"NGN","country":"NG","paymentReference":"UYTRE234566677RDFGFDDSS","email":"johndoe@gmail.com","productId":"Foods","productDescription":"Uba Account Transaction ","clientAppCode":"kpp64","redirectUrl":"https://checkout.seerbit.com","deviceType":"Apple Laptop","sourceIP":"127.0.0.1:3456","accountName":"John S Doe","accountNumber":"1234567890","bankCode":"033","bvn":"12345678901","dateOfBirth":"04011984","retry":"false","invoiceNumber":"1234567891abc123ac"}
{"status": "SUCCESS","data": {"code": "S20","payments": {"paymentReference": "UYTRE234566677RDFGFDDSS","linkingReference": "F320660611587911267617"},"message": "Transaction is pending"}}
Field | Description | Type | ​ |
publicKey | This is available after sign-up dash board -> settings -> api keys. | String | Required |
amount | Amount to be paid | String | Required |
fee | Charge on transaction, customer or merchant to bear whom to bear this can be set on the dashboard by merchant | String | Optional |
fullName | Customer name | String | Optional |
mobileNumber | Customer phone number | String | Optional |
currency | Currency to perform transaction | String | Required |
country | Country the customer is performing the transaction | String | Required |
paymentReference | Unique payment identifier, to be supplied by the merchant | String | Required |
Customer's Email | String | Required | |
productId | Unique identification number for each product, To be supplied by the Merchant | String | Optional |
productDescription | Narration of Transaction | String | Optional |
clientAppCode | Extra data | String | Optional |
redirectUrl | Url to redirect to | String | Required |
bvn | Customers' bank verification number. | String | Optional |
paymentType | Medium by which the payment transaction is made {ACCOUNT} | String | Required |
deviceType | Customer device | String | Optional |
sourceIP | Customer's IP Address | String | Optional |
accountName | Customer's account name | String | Required |
accountNumber | Customer's account number to debit | String | Required |
bankCode | Bank's Unique identifier | String | Required |
dateOfBirth | Customer's registered date of birth for debit card | String | Optional |
retry | This is passed as true to retry a failed transaction. | Boolean | Required |
invoiceNumber | ​ | String | Optional |
message | Response message from SeerBit | ​ | ​ |
code | Response code from SeerBit | ​ | ​ |
linkingReference | SeerBit transaction unique identifier | ​ | ​ |
This option is used to complete an account transaction, when OTP is required.
curl -X POSThttps://seerbitapi.com/api/v2/payments/validate-H 'Content-Type: application/json'-H 'Authorization: Bearer {token}
{"linkingReference":"F320660611587911267617","otp":"68871001"}
{"status": "SUCCESS","data": {"code": "00","payments": {"reference": "UYTRE234566677RDFGFDDSS","linkingreference": "F320660611587911267617"},"message": "Successful"}}
​